Brykov B.A.Published in:
Russian Journal of Entrepreneurship
– Volume 18, Number 13 (July 2017)



Keywords: bank crediting, credit lending models, external factors, foreign experience, small and medium-sized business


Share:

Abstract:

Small and medium-sized enterprises (SMEs) have a significant impact on economic growth and development of any country. In many countries, SMEs constitute the majority of enterprises. Each country has its own classification criteria, features of crediting system and credit lending models. In order to draw recommendations for the development of lending to SMEs in Russia it is necessary to analyze the experience of other countries and factors that have impact on formation of models. Based on the results of the analysis, we identified several measures to support SMEs that are the most suitable for adaptation in Russia. These measures will lead to greater demand for lending to SMEs and to more willing financing SMEs by banks.

---

References:
Ahmet F. Aysan, Mustafa Disli, Adam Ng, Huseyin Ozturk (2016). Is small the new big? Islamic banking for SMEs in Turkey Economic Modelling. 54 187-194.
Dresvyankin P.V. (2016). Перспективы применения зарубежного опыта кредитования малого бизнеса Евразийский научный журнал. (5). 76-79.
International committee on credit reporting : facilitating SME financing through improved credit reportingWorld Bank Group. Retrieved from http://documents.worldbank.org/curated/en/429511468053058455/International-committee-on-credit-reporting-facilitating-SME-financing-through-improved-credit-reporting
Mohamed Shabana, Meryem Duygunb, John Fry (2016). SME's lending and Islamic finance. Is it a “win–win” situation? Economic Modelling. (55). 1-5.
SME Finance in Ethiopia : Addressing the Missing Middle ChallengeWorld Bank Group. Retrieved from http://documents.worldbank.org/curated/en/805371468247458154/SME-Finance-in-Ethiopia-Addressing-the-Missing-Middle-Challenge
Salyakhova E.K. (2016). Malyy biznes v zarubezhnoy praktike [Small business in foreign practice]. NovaInfo.Ru. 4 (57). 199-207. (in Russian).
Sokolinskaya N.E. (2011). Strategiya razvitiya malyh predpriyatiy Italii [Development strategy of small enterprises of Italy]. Finansy, dengi, investitsii. (3(39)). 11-13. (in Russian).
Sokolinskaya N.E. (2013). Opyt Kitaya v podderzhke malyh innovatsionnyh predpriyatiy [China's experience in supporting small innovative enterprises]. Bankovskie uslugi. (5). 36-39. (in Russian).
Sokolinskaya N.E. (2013). Osobennosti podderzhki innovatsionnogo razvitiya malyh predpriyatiy v SShA i vozmozhnosti ispolzovaniya ikh v Rossii [Features of support of innovative development of small enterprises in the US and the possibility of using them in Russia]. Finansy. Dengi. Investitsii. (4(48)). 24-28. (in Russian).
Terence Tai-Leung Chong, Liping Lu, Steven Ongena (2013). Does banking competition alleviate or worsen credit constraints faced by small- and medium-sized enterprises? Evidence from China Journal of Banking and Finance. 37 (9). 3412-3424.
Tewari Parth S., Skilling David, Kumar Pranav, Wu Zack Competitive small and medium enterprises : a diagnostic to help design smart SME policyWashington DC ; World Bank. Retrieved from http://documents.worldbank.org/curated/en/534521468331785470/Competitive-small-and-medium-enterprises-a-diagnostic-to-help-design-smart-SME-policy
Малый и средний бизнес в 2012 году: международный опыт регулирования и финансированияМСП Банк. (in Russian). Retrieved from https://www.mspbank.ru/userfiles/files/researches/MSB_int-new.pdf
Развитие малого и среднего предпринимательства. Зарубежный опытМСП Банк. (in Russian). Retrieved from https://www.mspbank.ru/userfiles/2015EU.pdf