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Investigation of foreign models of the financial-credit support of small enterprise and possibility of their adaptation in Russia

Zabolotskaya V.V. PhD in Economics, associate professor of department "World Economy and Management", Kuban State University ( zvikky@hotmail.com )

Journal: Finance and credit, #18, 2012

In the article the contemporary models of the financial- credit support of the subjects of the small enterprise of the industrially developed countries are investigated, the comparative analysis of diagrams and programs of the crediting of small enterprises is carried out. The possibilities according to the adaptation of advanced foreign experience in Russia with the formation of the domestic model of the financial-credit support of small business are determined.


Economic foundations of crediting the small business enterprises

Zabolotskaya V.V. Candidate of Economics, Associate Professor of the International Economics Department, Kuban State University, Krasnodar ( zvikky@hotmail.com )

Journal: Finance and credit, #27, 2011

The article is devoted to the research of the system of crediting the small businesses and its elements, that allowed the author to determine the specific principles of crediting of small businesses, to reveal credit preferences of small business enterprises and their behavioral functions on the credit market, as well as priorities of further developing the credit infrastructure of small business with new subjects and intermediaries.


Evaluation of small business credit worthiness

Zabolotskaya V.V. assistant professor of the Department of World Economics, State University of Kuban

Aristarkhov А.А. State University of Kuban

Journal: Finance and credit, #12, 2009

The authors suggest a methodological approach to evaluation of small business credit worthiness. This approach proceeds from a mathematical tool of fuzzy sets theory. They also elaborated an algorithm of a lending expert’s actions in terms of the suggested approach. The article deals with a case study of evaluation of small business credit worthiness using the mentioned approach; as a result the authors draw conclusions about the advantages and opportunities of introducing it to regional commercial banks.


The mechanism of the long-term pension savings investment into the electricity supply network companies

Zabolotskaya V.V. Candidate of Economics, Associate Professor of the International Economics Department, Kuban State University, Krasnodar ( zvikky@hotmail.com )

Khit L.V. Post-graduate student of the International Economics Department, Kuban State University, Krasnodar ( shulga-luda@rambler.ru )

Journal: Finance and credit, #17, 2011

The article is devoted to the developing of the innovative mechanism of pension savings investment into the electricity supply network companies for a long-term period. This mechanism is based on using the method – Regulatory Asset Base, that makes it possible to compose the long-term electricity tariff guarantying medium capital gains with the minimum risk of investment.


Appraisal of enterprise economic potential

Zabolotskaya N.V. economist of economic management department of OAO “Magnitogorsk Metallurgical Plant”

Kozlova T.V. candidate of economic sciences, associate professor, head of department of finances and accounting of GOU VPO “Magnitogorsk State Technical University named after Nosov G.I.”

Journal: Economic Analysis: Theory and Practice, #5, 2009

Successful business development is the result of rational management based on use of information about enterprise capacity. Enterprise capacity is the factor of dynamic business development. Consequently business development is conditioned by corresponding economic potential of the enterprise. Besides activity of an economic subject is a complex system that is formalized and described by indicators and aimed at support but oftener increase of its economic potential.


Mechanism of guaranteeing of lending to small and medium-sized businesses in the EU countries and the possibility of its adaptation to Russia

Zabolotskaya V.V. PhD in Economics, associate professor of department “International economics and management”, Kuban State University ( zvikky@hotmail.com )

Journal: Finance and credit, #5, 2012

In the article is comprehensively studied the best practice in the provision of guarantees for lending to small and medium enterprises in the European Community (EC). It is made the systematization of the main guarantee schemes and types of guarantee products widely used in various EU countries and determined the restrictions to their practical application. It is also actualized the significance of developing the national governmental guarantee system, determined its importance for promoting and support of small and medium-sized businesses, allowing to identify the priority areas and formulate recommendations for adaptation of foreign experience of the EU from a position of forming the effective guarantee mechanism of financial and credit support for small and medium-sized enterprises in Russia.


Governmental financial support to innovation activities of small and medium-sized businesses abroad

Zabolotskaya V.V. Kuban State University, Krasnodar, Russian Federation ( zvikky@hotmail.com )

Journal: Finance and credit, #28, 2015

Importance Due to intensified process of the national economy modernization and transition to the innovation-based development under economic and political sanctions that hinder the growth of entrepreneurship in Russia, the problem of adapting the governmental support for innovative small and medium-sized businesses to the existing conditions requires a systems study of recent developments in the foreign models of financial support to innovation activity.
     Objectives The article aims to systematize the recent changes in government programs supporting innovation activities in foreign countries in order to identify trends in the modern models of financial support to small and medium-sized businesses and opportunities to adapt their perspective elements to Russian conditions.
     Methods Using the methods of scientific knowledge of economic phenomena, comparison and grouping, I analyzed various aspects of financing the innovation activities of small and medium-sized businesses in foreign countries.
     Results The study determined common trends and highlighted the reasons preventing the growth of innovation activities of small and medium-sized businesses in Russia at the present stage.
     Conclusions Best practices of some foreign countries with regard to arranging the programs and processes of public-private infrastructure, financial, information and consultancy support and accelerated commercialization of novel solutions of small and medium-sized enterprises are indicative of the need for formalization and implementation of the systems approach by the Russian government to all processes related to incentives for innovation activities of small and medium-sized businesses.


A methodology to assess the creditworthiness of small businesses in the commercial bank, based on the fuzzy sets theory

Zabolotskaya V.V. Kuban State University, Krasnodar, Krasnodar Krai, Russian Federation ( zvikky@hotmail.com )

Journal: Finance and credit, #47, 2015

Importance The Basel Committee (Basel II) requires applying the internal rating system (IRB) to assess borrowers’ creditworthiness, including small businesses, by commercial banks. The IRB system should contain both quantitative and qualitative indicators. This foregrounds the development and practical application of new mathematical and analytical tools like fuzzy sets methods in the lending practice of banks.
     Objectives The aim of the study is to develop a new methodological approach to developing the fuzzy production system and a mathematical model to support credit decisions on practicability of lending to small businesses based on the fuzzy sets theory and the Fishburn’s rule.
     Methods Using the mathematical tools of the fuzzy sets theory, I propose a fuzzy production system of quantitative and qualitative indicators and a mathematical model to perform a comprehensive analysis of financial and economic condition and creditworthiness of a small business borrower, regardless of its branch and regional affiliation and form of incorporation.
     Conclusions To maximize the reliability of credit rating in commercial banks, it is necessary to automate the process by applying mathematical rules and tools of the fuzzy set theory. This will reduce the credit risk and the risk of subjectivity of assessment, minimize the impact of intentional errors and misrepresentation of financial and economic information, speed up the process of expert decision-making, and enable to vary the estimated figures depending on the specifics of small business operations and goals and objectives of the credit.


Methodological aspects of assessing the financial security and sustainability of small agricultural and trading enterprises

Zabolotskaya V.V. Kuban State University, Krasnodar, Krasnodar Krai, Russian Federation ( zvikky90@gmail.com )

Bordiyan L.V. Kuban State University, Krasnodar, Krasnodar Krai, Russian Federation ( message2blv@gmail.ru )

Journal: Regional Economics: Theory and Pactice, #11, 2017

Subject The article studies the financial and economic relations that arise in assessing the financial sustainability and security of small business in the trade and agriculture sectors.
Objectives The article aims to compare the existing scientific approaches to assessing the financial sustainability and security and propose a methodological approach based on the application of a computerized scoring algorithm and ranking of financial indicators, taking into account the industry-specific nature of small borrowing enterprises.
Methods For the study, we used the methods of expert evaluation and correlation analysis. The article provides an overview of the information and statistics data from Russian and foreign sources.
Results The article offers our own developed methodological approach based on the application of feed aggregators, which includes an algorithm and software to calculate the integrated credit rating, and which allows for a mathematically precise determination of the creditworthiness class and credit risk cover reserve.
Conclusions and Relevance The article shows that commercial banks do not single out financial security indicators when assessing borrowers. The proposed software improves the existing methodological approaches to financial security assessment. Its application in banking practice will help small enterprises to access external financial resources. The practical significance of the proposed methodological approach is that the software is adapted to the new forms of accounting, and can be used in the activities of banks and other financial intermediaries.


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