title: Ð Ð°Ð·Ð²Ð¸ÑÐ¸Ðµ ÑÐ¸Ð½Ð°Ð½ÑÐ¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ Ð¼Ð°Ð»ÑÑ Ð¸ ÑÑÐµÐ´Ð½Ð¸Ñ Ð¿ÑÐµÐ´Ð¿ÑÐ¸ÑÑÐ¸Ð¹ Ð² ÑÐ¾Ð²ÑÐµÐ¼ÐµÐ½Ð½ÑÑ ÑÑÐ»Ð¾Ð²Ð¸ÑÑ
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: Development of financing for small and medium-sized enterprises under modern conditions
Creators: name: ÐÑÐ°Ð´Ð¸ÑÐµÐ², ÐÑÑÐµÐ¼
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: 2025
Subjects: Ð¼Ð°Ð»Ð¾Ðµ Ð¸ ÑÑÐµÐ´Ð½ÐµÐµ Ð¿ÑÐµÐ´Ð¿ÑÐ¸Ð½Ð¸Ð¼Ð°ÑÐµÐ»ÑÑÑÐ²Ð¾
ÑÐ¸Ð½Ð°Ð½ÑÐ¸ÑÐ¾Ð²Ð°Ð½Ð¸Ðµ
ÐºÑÐ°ÑÐ´Ð»ÐµÐ½Ð´Ð¸Ð½Ð³
Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¾Ðµ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ðµ
Ð³Ð¾ÑÑÐ´Ð°ÑÑÑÐ²ÐµÐ½Ð½Ð°Ñ Ð¿Ð¾Ð´Ð´ÐµÑÐ¶ÐºÐ°
small and medium-sized enterprises
financing
crowdlending
bank lending
government support

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description: The object of the study is the Russian segment of small and medium-sized enterprises (SMEs). The purpose of this study is to analyze existing methods of SME financing, identify their advantages and disadvantages, and develop recommendations to improve the efficiency and accessibility of financial resources for this sector. To achieve this goal, the following tasks were set: - study the theoretical foundations of SME financing, including the classification of methods and tools; - analyze the current state of the SME financing market and assess the effectiveness of alternative financing methods such as crowdlending; - identify barriers limiting SME access to financial resources and propose measures to overcome them; - the study employs methods of scientific literature analysis, comparative and systematic approaches, as well as statistical and econometric analysis. The paper uses methods of scientific literature analysis, comparative and system approaches, as well as statistical and econometric analysis. The role of SMEs in the Russian economy is assessed, the dynamics of bank lending, crowdlending development and the effectiveness of state support programs are analyzed. Comparative analysis showed that crowdlending under certain conditions offers more favorable rates and flexible terms compared to bank loans. The scientific novelty of the paper lies in the comparison of traditional and alternative financing methods, which allows choosing the most effective tools for SME development. The implementation of the proposed measures can increase the financial stability of SMEs and their contribution to the economy. The econometric model was developed using the MS Excel software product. The initial data for the calculations were collected from open sources using the Python programming language.