Sheina E.G., Serebryakova A.Yu.Published in:
Russian Journal of Entrepreneurship
– Volume 20, Number 1 (January 2019)

JEL classification: G21, G32, L26, M21

Keywords: commercial bank, crowdinvesting, financial risk, lending, small and medium enterprises, sources of financing


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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.

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