Topic 36. Problems of lending to the real sector of the Russian economy

Investments in the real sector, due to their high risk, are unattractive for banking capital compared to more profitable and reliable financial assets.

Operations in the financial market (purchase and sale of foreign currencies, operations with securities) bring such a profit that is impossible in the material sphere. Therefore, loans from commercial banks (and CB funds) are mainly used not in the sphere of production and circulation of products, but in the sphere of circulation that does not serve the production process.

The transfer of capital from the sphere of production to the sphere of circulation \uXNUMXd "aggravation of imbalances in the economy + the reason for the high interest rates for long-term loans due to the high risk of loan default (payment crisis) and their inflationary depreciation.

Problems:

1) In conditions of high inflation and low welfare of the population, it is impossible to provide loans to individuals (although there are a number of exceptions - for example, consumer lending). 2) A high degree of risk in issuing a loan for a long term; 3) the absence or insufficient development of a legal framework. 4) banks do not have a long-term resource base, because 1) low incomes of the population, 2) distrust of the population in banks as a result of crises, 3) high inflation = impossibility of long-term deposits, not covered by interest on deposits.

Necessary: ​​for economic recovery and development

1) increase production volume and efficiency

2) improving the conditions for the sale of goods

3) loans to the production sector

Measures:

1) tax benefits for enterprises 2) preferential loans, government incentives for lending in priority areas, 3) return of funds from abroad, regain the trust of the population, it is necessary to reduce the dollarization of the economy, deposit insurance system.

The bank must control the use of funds, develop reliable methods for assessing the borrower, the quality of collateral, and measures to reduce risks.

Credit consulting - provision of consulting services in the field of attracting credit financing.

Why do you need a loan broker?

1. There are several hundred banks in Moscow, they all say that they lend, they indicate this service on their websites.

2. In reality, most banks do not lend to clients "from the street", rather they need money from clients to finance the business of the founders and firms friendly to the founders (real owners).

3. Some banks were specially created to raise funds for the purposes of their creators.

4. Those (few) banks that lend are inundated with applications, most of which are initially impassable or illiterate from the point of view of bankers who value their time and who are easier to refuse than to engage in free training of clients in financial matters.

5. As a rule, the main profitability of many banks is operations that have nothing to do with lending to clients "from the street."

6. Many bank employees have plans to raise funds from customers, swindle them into "different services", dynamize for as long as possible - as a result, there is no loan, and the bank received income.

7. The actual terms for considering clients "from the street" are many times longer than those declared, sometimes several months.

8. For "off the street" clients, it is necessary to immediately collect dozens of documents, for "our own" - a preliminary decision remotely.

9. Wasted time and money is much more expensive than the average broker's fee.

Attention: a competent credit broker must have experience in STAFF WORK IN A BANK, preferably in a MANAGEMENT POSITION and IN SEVERAL BANKS, as well as profile (economic or legal education).

There are few such brokers, as a rule they work privately or in small companies.

Large brokers, as a rule, hire people with no or minimal work experience, they earn on the stream, at random.

!!! We save YOUR TIME AND MONEY - interaction and solution is carried out remotely via the Internet.

Authors: Shevchuk D.A., Shevchuk V.A.

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