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Modern tendencies of lending to small and medium-sized businesses in the Russian economy

Abstract

The article analyzes the problems and trends in lending to small and medium-sized businesses in the Russian economy, highlights the key features of banks’ work with small businesses, the Central Bank’s software tools aimed at supporting lending to small and medium-sized businesses. The analysis of dynamics and structure of banks’ loan portfolio in terms of work with small and medium-sized businesses is presented. The purpose of the article is to consider the main problems of interaction between banks and small and medium-sized businesses. As a result of the study, we studied the factors limiting the development of lending to small businesses in Russia, both from the point of view of credit institutions and from the point of view of borrowers. The dynamics of lending to small and medium-sized businesses in Russia is analyzed, and the leading banks in terms of the volume of loans issued for the needs of small and medium-sized businesses are identified. Based on the analysis of the structure of the volume of loans issued to small and medium-sized businesses, changes are revealed associated with a decrease in the share of trade and manufacturing in 2020. In conclusion, proposals are formulated to improve and increase the dynamics of lending to small and medium-sized businesses in the Russian Federation.

About the Author

G. М. Galeeva
Kazan (Volga region) Federal University
Russian Federation

PhD in Economics, Associate Professor



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Review

For citations:


Galeeva G.М. Modern tendencies of lending to small and medium-sized businesses in the Russian economy. Kazan economic vestnik. 2021;(5):41-49. (In Russ.)

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ISSN 2305-4212 (Print)