Banks Will Help Start A Business
Last week 'Sobinbank' issued its first loan to start a business – entrepreneurs have received from the Bank of 5 million rubles for opening a beauty salon 'Person' for the franchise. 'Credit for biznesa.ru' asked the bankers to assess the role this event for the development of bank lending to small businesses in general. Dmitry Melnikov, head of the Directorate of Client Management Small Business Bank URALSIB I do not think that this event will become a kind of impetus for the Mass lending start-up in a small business, all banks that are serious and not declaratively engaged in lending to small businesses – are universal, rather than investment. It is unlikely that they will start handing out en masse credits for opening his business – a strategy not the same. Another thing is that some transactions will take place in the framework of special programs adopted by banks. Most often, these transactions will be ad hoc, as far as possible be conducted in partnership with the parastatal Assistance Fund lending to small businesses, either through established banks themselves venture funds – especially for lending to start-up high-tech or manufacturing goods and services with high added value, as well as in areas with below-average level of competition. By the way, and the state nasozdavav funds to support small businesses, not too actively sponsors the kind of clients. Perhaps the only exception – a venture fund created by the Department of Small Business of the Moscow Government and AFK 'system'.