Problems of crediting small and medium entrepreneurship in the Russian Federation
Sheina E.G.1, Serebryakova A.Yu.1
1 Уральский государственный экономический университет
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Journal paper
Russian Journal of Entrepreneurship *
Volume 20, Number 1 (January 2019)
* Этот журнал не выпускается в Первом экономическом издательстве
Abstract:
The article discusses the peculiarities of problems in the field of lending to small and medium-sized enterprises, analyzes the trend of changes in corporate loan debt, identifies the main directions for the development of financing of small and medium-sized enterprises in Russia. Based on the analysis, a mechanism has been developed for attracting borrowed sources of financing based on the technology of crowdinvesting in the form of a new loan product for small and medium-sized enterprises. The article will be of interest to specialists in the field of banking credit activities, as well as to all those interested in the problems of financing small and medium-sized businesses.
Keywords: sources of financing, commercial bank, small and medium enterprises, lending, financial risk, crowdinvesting
JEL-classification: L26, G21, G32, M21
References:
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Bruton G., Khavul S., Siegel D., Wright M. (2016). New Financial Alternatives in Seeding Entrepreneurship: Microfinance, Crowdfunding, and Peer‐to‐Peer Innovations Entrepreneurship Theory and Practice. (39). 9-26.
Chernysheva M.V. (2016). Problemy kreditovaniya malogo i srednego biznesa v Rossii [Problems of lending to small and medium-sized businesses in Russia]. Economics and management. (2). 158-160. (in Russian).
Derbeneva E.N. (2017). Osobennosti i problemy bankovskogo kreditovaniya malogo i srednego biznesa v Rossii [Characteristics and chalenges of bank landing of small and medium businesses in russia]. Bulletin of the Astrakhan State Technical University. Series: economics. (1). 107-114. (in Russian).
Haron H., Said S.B., Jayaraman K., Ismail I. (2013). Factors Influencing Small Medium Enterprises (SMES) in Obtaining Loan International Journal of Business and Social Science. (4). 182-195.
Ismailov A.N. (2016). Sovremennoe sostoyanie kreditovaniya malogo biznesa v RF [Current state of small business lending in Russia]. The symbol of science. (6-1(18)). 192-195. (in Russian).
Khau Dzh. (2012). Kraudsorsing. Kollektivnyy razum – buduschee biznesa [Crowdsourcing. Collective intelligence-the future of business] M.: Alpina Pablisher. (in Russian).
Korobova G.G. (2015). Bankovskoe delo [Banking] M.: Magistr, Infra-M. (in Russian).
Kozionova A.V., Evdokimova S.S. (2017). Sovremennye tendentsii kreditovaniya malogo i srednego biznesa [Current trends in lending to small and medium-sized businesses] Research and development of students. 218-221. (in Russian).
Kremlev T.S. (2016). Investitsionnye instrumenty kraudsorsing, kraudfanding, kraudinvesting [Investment instruments crowdsourcing, crowdfunding, crowdinvesting]. The young scientist. (10). 762-766. (in Russian).
Lavrushin O.I., Valentseva N.I. (2016). Bankovskoe delo [Banking] M.: Knorus. (in Russian).
Lee N., Brown R. (2016). Innovation, SMEs and the liability of distance: the demand and supply of bank funding Journal of Economic Geography. (3). 1468-2702.
Lee N., Sameen H., Cowling M. (2015). Access to finance for innovative SMEs since the financial crisis Research Policy. (2). 370-380.
Litvinova D.A. (2017). Kraudinvesting kak novaya forma investirovaniya [Crowdinvesting as a new form of investment]. Global Markets and Financial Engineering. 4 (2). 73-81. (in Russian). doi: 10.18334/grfi.4.2.38035.
Morozko N.I., Burov P.D. (2016). Perspektivy razvitiya bankovskogo kreditovaniya malogo i srednego biznesa v Rossii [Perspectives in the development of bank crediting of small- and medium scale business in the Russian Federation (Russia, Moscow)]. Problemy sovremennoy ekonomiki. (4(60)). 100-102. (in Russian).
Rostamkalaei A., Freel M. (2016). The cost of growth: small firms and the pricing of bank loans Small Business Economics. (2). 255-272.
Slazak E. (2016). Credit Market Imperfections in the Theory of Credit Rationing Financial Internet Quarterly. (7). 76-91.
Starodubtseva E.B., Pechnikova A.V. (2008). Bankovskie operatsii [Banking] M.: FORUM: INFRA-M. (in Russian).
Strokova A.A. (2016). Kraudfanding v Rossii: suschnost i perspektivy razvitiya [Crowdfunding in Russia: essence and prospects of development] Problems and prospects of economy and management. 58-61. (in Russian).
Sun H., Cen L., Jiang N. (2013). Our Empirical Study of bank loans accessibility influence factors for SMEs Information and Communication Technology for Education. 118-121.
Tavasiev A.M. (2011). Bankovskoe delo: upravlenie kreditnoy organizatsiey [Banking: the management of the credit institution] M.: Dashkov i K. (in Russian).
Trigub E.Yu. (2017). Aktualnye problemy kreditovaniya malogo i srednego predprinimatelstva v Rossii [Topical problems of crediting small and medium entrepreneurship in russia]. International Research Journal. (12-3(66)). 67-70. (in Russian). doi: 10.23670/IRJ.2017.66.206.
Van der Schans D. (2015). The Bank's role in facilitating economic growth by addressing imperfections in SME finance markets Venture Capital. 1-19.
Vanacker T.R., Manigart S. (2016). Pecking order and debt capacity considerations for highgrowth companies seeking financing Small Business Economics. (1). 53-69.
Vyazovik S.M., Tselykovskaya A.A. (2017). Problemy kreditovaniya malogo i srednego biznesa v Rossiyskoy Federatsii [Problems of lending to small and medium-sized businesses in the Russian Federation]. Scientific Herald: finance, banks, investments. (2(39)). 68-73. (in Russian).
Бутова Э.Ю. Проблемы развития малого бизнеса в РоссииIupr.ru. (in Russian). Retrieved September 04, 2018, from http://www.iupr.ru/domains_data/files/zurnal_31/Butova.pdf
Мосс А. Что такое краудфандинг?Crowdsourcing. Retrieved September 07, 2018, from http://crowdsourcing.ru/article/what_is_the_crowdfunding
Назарова А.Х. Особенности кредитования и динамика объемов кредитования малого и среднего бизнесаIupr.ru. (in Russian). Retrieved September 04, 2018, from http://www.iupr.ru/domains_data/files/zurnal_37/Nazarova%2024.pdf
Balabanova I.T. (2011). Banki i bankovskoe delo [Banks and banking] SPb.: Piter. (in Russian).
Bogachkova L.Yu. (2018). Malyy i sredniy biznes – dvigatel zanyatosti i razvitiya [Small and medium business-the engine of employment and development]. Mosty: Analitika. (4). 18-23. (in Russian).
Bruton G., Khavul S., Siegel D., Wright M. (2016). New Financial Alternatives in Seeding Entrepreneurship: Microfinance, Crowdfunding, and Peer‐to‐Peer Innovations Entrepreneurship Theory and Practice. (39). 9-26.
Chernysheva M.V. (2016). Problemy kreditovaniya malogo i srednego biznesa v Rossii [Problems of lending to small and medium-sized businesses in Russia]. Economics and management. (2). 158-160. (in Russian).
Derbeneva E.N. (2017). Osobennosti i problemy bankovskogo kreditovaniya malogo i srednego biznesa v Rossii [Characteristics and chalenges of bank landing of small and medium businesses in russia]. Bulletin of the Astrakhan State Technical University. Series: economics. (1). 107-114. (in Russian).
Haron H., Said S.B., Jayaraman K., Ismail I. (2013). Factors Influencing Small Medium Enterprises (SMES) in Obtaining Loan International Journal of Business and Social Science. (4). 182-195.
Ismailov A.N. (2016). Sovremennoe sostoyanie kreditovaniya malogo biznesa v RF [Current state of small business lending in Russia]. The symbol of science. (6-1(18)). 192-195. (in Russian).
Khau Dzh. (2012). Kraudsorsing. Kollektivnyy razum – buduschee biznesa [Crowdsourcing. Collective intelligence-the future of business] M.: Alpina Pablisher. (in Russian).
Korobova G.G. (2015). Bankovskoe delo [Banking] M.: Magistr, Infra-M. (in Russian).
Kozionova A.V., Evdokimova S.S. (2017). Sovremennye tendentsii kreditovaniya malogo i srednego biznesa [Current trends in lending to small and medium-sized businesses] Research and development of students. 218-221. (in Russian).
Kremlev T.S. (2016). Investitsionnye instrumenty kraudsorsing, kraudfanding, kraudinvesting [Investment instruments crowdsourcing, crowdfunding, crowdinvesting]. The young scientist. (10). 762-766. (in Russian).
Lavrushin O.I., Valentseva N.I. (2016). Bankovskoe delo [Banking] M.: Knorus. (in Russian).
Lee N., Brown R. (2016). Innovation, SMEs and the liability of distance: the demand and supply of bank funding Journal of Economic Geography. (3). 1468-2702.
Lee N., Sameen H., Cowling M. (2015). Access to finance for innovative SMEs since the financial crisis Research Policy. (2). 370-380.
Litvinova D.A. (2017). Kraudinvesting kak novaya forma investirovaniya [Crowdinvesting as a new form of investment]. Global Markets and Financial Engineering. 4 (2). 73-81. (in Russian). doi: 10.18334/grfi.4.2.38035.
Morozko N.I., Burov P.D. (2016). Perspektivy razvitiya bankovskogo kreditovaniya malogo i srednego biznesa v Rossii [Perspectives in the development of bank crediting of small- and medium scale business in the Russian Federation (Russia, Moscow)]. Problemy sovremennoy ekonomiki. (4(60)). 100-102. (in Russian).
Rostamkalaei A., Freel M. (2016). The cost of growth: small firms and the pricing of bank loans Small Business Economics. (2). 255-272.
Slazak E. (2016). Credit Market Imperfections in the Theory of Credit Rationing Financial Internet Quarterly. (7). 76-91.
Starodubtseva E.B., Pechnikova A.V. (2008). Bankovskie operatsii [Banking] M.: FORUM: INFRA-M. (in Russian).
Strokova A.A. (2016). Kraudfanding v Rossii: suschnost i perspektivy razvitiya [Crowdfunding in Russia: essence and prospects of development] Problems and prospects of economy and management. 58-61. (in Russian).
Sun H., Cen L., Jiang N. (2013). Our Empirical Study of bank loans accessibility influence factors for SMEs Information and Communication Technology for Education. 118-121.
Tavasiev A.M. (2011). Bankovskoe delo: upravlenie kreditnoy organizatsiey [Banking: the management of the credit institution] M.: Dashkov i K. (in Russian).
Trigub E.Yu. (2017). Aktualnye problemy kreditovaniya malogo i srednego predprinimatelstva v Rossii [Topical problems of crediting small and medium entrepreneurship in russia]. International Research Journal. (12-3(66)). 67-70. (in Russian). doi: 10.23670/IRJ.2017.66.206.
Van der Schans D. (2015). The Bank's role in facilitating economic growth by addressing imperfections in SME finance markets Venture Capital. 1-19.
Vanacker T.R., Manigart S. (2016). Pecking order and debt capacity considerations for highgrowth companies seeking financing Small Business Economics. (1). 53-69.
Vyazovik S.M., Tselykovskaya A.A. (2017). Problemy kreditovaniya malogo i srednego biznesa v Rossiyskoy Federatsii [Problems of lending to small and medium-sized businesses in the Russian Federation]. Scientific Herald: finance, banks, investments. (2(39)). 68-73. (in Russian).
Бутова Э.Ю. Проблемы развития малого бизнеса в РоссииIupr.ru. (in Russian). Retrieved September 04, 2018, from http://www.iupr.ru/domains_data/files/zurnal_31/Butova.pdf
Мосс А. Что такое краудфандинг?Crowdsourcing. Retrieved September 07, 2018, from http://crowdsourcing.ru/article/what_is_the_crowdfunding
Назарова А.Х. Особенности кредитования и динамика объемов кредитования малого и среднего бизнесаIupr.ru. (in Russian). Retrieved September 04, 2018, from http://www.iupr.ru/domains_data/files/zurnal_37/Nazarova%2024.pdf
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