INDUSTRY-SPECIFIC FEATURES OF BORROWERS IN LENDING TO SMALL AND MEDIUM-SIZED BUSINESSES

Abstract

Small and medium-sized enterprises, on the one hand, represent a special economic sector that creates material benefits with a low level of involvement of material, energy, and natural resources and at the same time the maximum possible attraction of human capital. On the other hand, this is the sphere of self–realization and self-sufficiency of people, within the framework of constitutional rights. The relationship between banks and borrowers is often contradictory, their interests do not always coincide, as they are not oriented towards the same end goal. It is very common to observe discrimination on the part of banks in relation to new businesses. In addition, banks' relationships with small and medium-sized businesses do not have significant practice in Russia, commercial banks are forced to independently create lending models for this category of borrowers. This article is devoted to the study of the problems of lending to small and medium-sized businesses. Credit transactions are considered taking into account the industry approach based on the materials of JSC "Rosselkhozbank". A scheme for the development of a new banking product for the restructuring of credit debts of entrepreneurs engaged in agricultural production has been completed. This will allow commercial banks to get good results in a reasonable time. Even a slight increase in production will entail the creation of new jobs, therefore, an increase in tax and non-tax deductions to the budget and extra-budgetary funds. And the correct organization of lending technology will ensure the inflow of funds to the branches of the real sector of the economy.