Home  Journals  Finance and Credit  46(478) - 2011 December

Specificity of credit requirements of the enterprises of small business

Available online: 2 December 2011

Subject Heading: SMALL BUSINESS LENDING

JEL Classification: 

The world history testifies that market relations and their effective development is impossible without business which is the integral, necessary component of economic system of the country. The major role of commercial banks in small-scale business development speaks complexity for small enterprises to receive financial assets from other sources. However for increase of overall performance of banks with small business, it is necessary to take into consideration that small firms have specific credit requirements, and the given requirements essentially differ from requirements of the large enterprises. In the present work attempt of revealing of credit requirements of the enterprises of small-scale business is undertaken, classification of requirements is offered. The accent is made on necessity of the account of credit requirements of businessmen at the organization of process of bank crediting. The conclusion that besides credit requirements of businessmen, the credit organizations should consider and the reasons interfering of their satisfaction is drawn. The given reasons as has shown research, are a barrier to the further effective work of the Russian commercial banks with small business.

Keywords: Small-scale business, credit requirements, credit resources, services of commercial banks for the small-scale business enterprises

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ISSN 2311-8709 (Online)
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