title: Ð¤Ð¾ÑÐ¼Ñ Ð¸ Ð¼ÐµÑÐ¾Ð´Ñ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ Ð¼Ð°Ð»Ð¾Ð³Ð¾ Ð±Ð¸Ð·Ð½ÐµÑÐ° (Ð½Ð° Ð¿ÑÐ¸Ð¼ÐµÑÐµ ÐÐÐ "ÐÐ¢Ð")
title: Ð²ÑÐ¿ÑÑÐºÐ½Ð°Ñ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð°Ñ ÑÐ°Ð±Ð¾ÑÐ° Ð±Ð°ÐºÐ°Ð»Ð°Ð²ÑÐ°
titleType: Subtitle
title: Forms and methods of small business lending (on the example of PJSC Â«VTBÂ»)
Creators: name: ÐÐµÐ¶Ð½ÑÐ²Ð°, ÐÐ°Ð´ÐµÐ¶Ð´Ð°
Publisher: name: Ð¡Ð°Ð½ÐºÑ-ÐÐµÑÐµÑÐ±ÑÑÐ³ÑÐºÐ¸Ð¹ Ð¿Ð¾Ð»Ð¸ÑÐµÑÐ½Ð¸ÑÐµÑÐºÐ¸Ð¹ ÑÐ½Ð¸Ð²ÐµÑÑÐ¸ÑÐµÑ ÐÐµÑÑÐ° ÐÐµÐ»Ð¸ÐºÐ¾Ð³Ð¾
Year: 2020
Subjects: ÐÐÐ "ÐÐ¢Ð"
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ÐºÑÐµÐ´Ð¸ÑÐ½ÑÐ¹ Ð¿Ð¾ÑÑÑÐµÐ»Ñ
Ð¿Ð»Ð°ÑÐµÐ¶ÐµÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÑ
Ð¿ÑÐ¾ÑÐµÐ½ÑÐ½Ð°Ñ ÑÑÐ°Ð²ÐºÐ°
Ð·Ð°ÐµÐ¼ÑÐ¸Ðº
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ÑÑÑÐ´Ð½Ð°Ñ Ð·Ð°Ð´Ð¾Ð»Ð¶ÐµÐ½Ð½Ð¾ÑÑÑ
ÐºÑÐµÐ´Ð¸ÑÐ½Ð°Ñ Ð¿ÑÐ¾Ð³ÑÐ°Ð¼Ð¼Ð°
ÑÐµÑÐ¸Ð½Ð°Ð½ÑÐ¸ÑÐ¾Ð²Ð°Ð½Ð¸Ðµ
PJSC Â«VTBÂ»
small business
credit
credit portfolio
solvency
interest rate
borrower
creditworthiness
loan debt
loan program
refinancing

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description: The object of study is PJSC "VTB". The theoretical foundations of organizing a system of bank lending to small businesses, the nature, functions and principles of bank lending to small businesses are considered. The types and forms of bank lending to small businesses, as well as the current state of the small business lending system in the Russian Federation are determined.
The analysis of the effectiveness of lending to small businesses on the example of PJSC "VTB", and the organizational and economic characteristics of the activities of PJSC "VTB". Issues related to the analysis of the bankâs credit policy and credit products for small businesses were also considered. Measures are proposed to improve lending to small businesses in "VTB" PJSC. The calculation of the economic efficiency of the implementation of the proposed activities.
In order to improve lending to small businesses, a study was conducted of the opinions of potential customers using questionnaires regarding the desired loan conditions. Based on the results of the survey and the identified needs of small businesses, new credit products were developed (start credit, development credit, express credit), the conditions of which take into account the financial capabilities and specifics of the clientâs business as much as possible. The greatest interest among the respondents was caused by the Express Credit loan program.
 The calculation of advertising events was carried out to attract the attention of small businesses to new loans and determined the financial effect of introducing the developed new loan products for "VTB" PJSC. According to the forecast, the volume of loans issued will increase, which will make it possible to get additional profit, while the profitability of credit products will increase.