Loans to Small Business - Creative Approach.
Starting your own business is not easy in principle,for this you need a special talent, abilities that are far from everyone. Become a businessman can not everyone, especially if you live in Russia. Almost every year the international rating agencies have our country somewhere between Rwanda and Guinea-Bissau in the summary table of the states where it is most convenient to do business. Leaders, as a rule, also do not change. These are the so-called "Asian Dragons" - countries that have made a huge leap in their economic development in recent years, as well as "old" leaders - the US and the countries of Western Europe.
About why it is easy to conduct business there, but weit is difficult to argue very long. Here and mentality, and huge distances, and administrative barriers, and corruption, and crime and stuff. With all this you need to fight and, if you manage to win, business in Russia, perhaps, will prosper. However, for any entrepreneur, the most important resource, among other things, is money, means that can be put into action. should be affordable and inexpensive - this is one of thethe main conditions of prosperity. In the US, for example, local entrepreneurs have no problems with this. For loans to small businesses, there is a special structure that is part of the presidential administration.
In Russia, the state is also trying to helpbusiness people, but it turns out not so well. Banks are reluctant to work with those wishing to start their own business, moreover, even with experienced executives of companies wishing to obtain a loan, credit institutions prefer not to get involved. A particularly risky direction for them is loans to small businesses without collateral. Such a loan can only be given if you have a good mortgage or a reliable guarantor. Although usually a person who wants to start their own business, there is neither one nor the other.
While the situation seems hopeless, butThe Russian government is preparing a series of measures that in the future should make loans to small businesses available to many. At the same time, our leaders are well aware that government intervention in natural market processes should be extremely cautious. It's just that you can not give money to everyone who wants, it's unlikely that anything good can come out of it. Therefore, the best world samples are planned to be used as a basis for the domestic reform.
For example, in the same USA, the state itself does not issueloans, but it is a surety and guarantor of a return for the bank. This allows you to make loans to small businesses without collateral available. Why should a bank present to the borrower inflated demands, if the government reimburses your losses (if they certainly follow). Therefore, in America, banks themselves willingly give out funds to entrepreneurs, because it is impossible to lose here. True state is ready to learn not for everyone. For Russia, with our level of corruption, this can become a serious problem: can only take "their" people. So it's easy to endure the American model of supporting entrepreneurship, our problems can not be solved, we need a creative approach.
