To provide long-term credits, banks have to attract resources, the charges on which do not allow them to establish a real interest rate on the loan for the borrowers. However, crediting of small business under imperfect legal framework which does not stipulate real personal responsibility of businesses before creditors involves higher risks. Therefore, despite the demand for credit services in the field of the real sector of economy, banks cannot presume to credit investments in small business development on a large scale.
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