Ishchenko Marina Ivanovna
Organization, job position
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The crediting activity of commercial banks is a precondition for successful competition of these institutions which leads to the increase in production of credited organizations, employment growth and solvency improvement of the participants of economic relations. Not only the improvement of the crediting technology is considered but also the development and the introduction of new methods of reducing crediting risks are observed. The realization of the small business potential in solving economic and social problems is absolutely impossible without its adequate financial and crediting support. In contemporary Russia the problem of financial support of small business development is particularly urgent. The need for crediting and development of small business in Russia is discussed in this article. The analysis of the main indicators characterizing the current state of crediting of small and medium-sized businesses is made, the SWOT-credit rating is given and the rating of banks providing loans to small business is shown. The main indicators of small and medium-sized business were considered, the analysis of the dynamics of the volume of loans provided to small business was made and the size of loan portfolios was discussed. The main reasons why banks refuse to lend to small business are ranked. On the basis of findings, the ways of solving the problem, in particular the reduction of the tax burden on small business, fixing the prices for the conclusion of contracts and the development of credit bureaus, are suggested.
Export of the food production is undoubtedly one of the most important strategic problems of Russia. The agricultural capacity of our country allows it not only to be fully self-sufficient in terms of food but also turns it into the leading exporter of foodstuffs in the world. The solution of this task requires the effective solution of many problems such as bringing the food industries to a new higher technical and technological level, the creation of the export infrastructure and mechanisms of the financial support to food producers. The fulfilling of the export potential of the domestic agrarian and industrial complex will not only help Russian economy to find the faster way out of the crisis but also will let our country play a major role in the international food trade and, respectively, in the struggle against hunger in the poorest countries of the world. In this article, the essence and the structure of the Russian agricultural export are considered. The three scenarios of the export development (pessimistic, realistic and optimistic) and the conditions of their realization are analyzed. The analysis of the main indicators characterizing the current economic state of the agricultural production export is carried out. Based on the drawn conclusions, we have offered the ways of the solution of the given problem