title: Ð¡Ð¾Ð²ÐµÑÑÐµÐ½ÑÑÐ²Ð¾Ð²Ð°Ð½Ð¸Ðµ ÑÐ¾ÑÐ¼ 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±ÐµÑÐ±Ð°Ð½Ðº)
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: Improvement of Small Business Lending Forms (based on the example of PJSC Sberbank)
Creators: name: Ð¤ÐµÐ´Ð¾ÑÐ¾Ð²Ð°, Ð®Ð»Ð¸Ñ
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: ÑÐ¾Ð²ÐµÑÑÐµÐ½ÑÑÐ²Ð¾Ð²Ð°Ð½Ð¸Ðµ ÑÐ¾ÑÐ¼ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ Ð¼Ð°Ð»Ð¾Ð³Ð¾ Ð±Ð¸Ð·Ð½ÐµÑÐ°
ÑÐ¾ÑÐ¼Ñ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ Ð¼Ð°Ð»Ð¾Ð³Ð¾ Ð±Ð¸Ð·Ð½ÐµÑÐ°
ÑÐµÐ½Ð´ÐµÐ½ÑÐ¸Ð¸ Ð¸ Ð¿ÐµÑÑÐ¿ÐµÐºÑÐ¸Ð²Ñ ÑÐ°Ð·Ð²Ð¸ÑÐ¸Ñ Ð¿ÑÐµÐ´Ð¿ÑÐ¸ÑÑÐ¸Ð¹ Ð¼Ð°Ð»Ð¾Ð³Ð¾ Ð±Ð¸Ð·Ð½ÐµÑÐ°
Ð¾ÑÐ½Ð¾Ð²Ð½ÑÐµ Ð¿ÑÐ¾Ð±Ð»ÐµÐ¼Ñ Ð¸ ÑÐ¸ÑÐºÐ¸ Ð² ÑÑÐµÑÐµ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ Ð¼Ð°Ð»Ð¾Ð³Ð¾ Ð±Ð¸Ð·Ð½ÐµÑÐ°
ÑÐ°Ð·ÑÐ°Ð±Ð¾ÑÐºÐ° ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð³Ð¾ Ð¿ÑÐ¾Ð´ÑÐºÑÐ°
improvement of small business lending forms
forms of small business lending
trends and prospects for small business development
main problems and risks in small business lending
development of a credit product

description: Ð¦ÐµÐ»ÑÑ ÑÐ°Ð±Ð¾ÑÑ ÑÐ²Ð»ÑÐµÑÑÑ ÑÐ°Ð·ÑÐ°Ð±Ð¾ÑÐºÐ° ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð³Ð¾ Ð¿ÑÐ¾Ð´ÑÐºÑÐ° Â«ÐÐ¾ÑÑÑÐ¿Ð½ÑÐ¹ ÐºÑÐµÐ´Ð¸Ñ Ð¼Ð°Ð»Ð¾Ð¼Ñ Ð±Ð¸Ð·Ð½ÐµÑÑÂ». ÐÑÐ»Ð¸ ÑÐµÑÐµÐ½Ñ ÑÐ»ÐµÐ´ÑÑÑÐ¸Ðµ Ð·Ð°Ð´Ð°ÑÐ¸: â ÐÐ¿ÑÐµÐ´ÐµÐ»ÐµÐ½Ñ ÐºÐ»ÑÑÐµÐ²ÑÐµ Ð¿Ð¾Ð½ÑÑÐ¸Ñ, ÑÐ²ÑÐ·Ð°Ð½Ð½ÑÐµ Ñ Ð¼Ð°Ð»ÑÐ¼ Ð±Ð¸Ð·Ð½ÐµÑÐ¾Ð¼. â ÐÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ñ ÑÐµÐ½Ð´ÐµÐ½ÑÐ¸Ð¸ Ð¸ Ð¿ÐµÑÑÐ¿ÐµÐºÑÐ¸Ð²Ñ ÑÐ°Ð·Ð²Ð¸ÑÐ¸Ñ Ð¼Ð°Ð»ÑÑ Ð¿ÑÐµÐ´Ð¿ÑÐ¸ÑÑÐ¸Ð¹. â ÐÑÐ¾Ð°Ð½Ð°Ð»Ð¸Ð·Ð¸ÑÐ¾Ð²Ð°Ð½ ÑÐ¾ÑÑÐ¸Ð¹ÑÐºÐ¸Ð¹ Ð¸ Ð¼ÐµÐ¶Ð´ÑÐ½Ð°ÑÐ¾Ð´Ð½ÑÐ¹ Ð¾Ð¿ÑÑ Ð² Ð¾Ð±Ð»Ð°ÑÑÐ¸ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ Ð¼Ð°Ð»Ð¾Ð³Ð¾ Ð±Ð¸Ð·Ð½ÐµÑÐ°. â ÐÑÐµÐ½ÐµÐ½Ð° Ð´ÐµÑÑÐµÐ»ÑÐ½Ð¾ÑÑÑ ÐÐÐ Â«Ð¡Ð±ÐµÑÐ±Ð°Ð½ÐºÂ». â ÐÑÑÐ²Ð»ÐµÐ½Ñ Ð¾ÑÐ½Ð¾Ð²Ð½ÑÐµ Ð¿ÑÐ¾Ð±Ð»ÐµÐ¼Ñ Ð¸ ÑÐ¸ÑÐºÐ¸, Ñ ÐºÐ¾ÑÐ¾ÑÑÐ¼Ð¸ ÑÑÐ°Ð»ÐºÐ¸Ð²Ð°ÑÑÑÑ ÐºÐ¾Ð¼Ð¼ÐµÑÑÐµÑÐºÐ¸Ðµ Ð±Ð°Ð½ÐºÐ¸ Ð¿ÑÐ¸ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ð¸ ÑÑÐ±ÑÐµÐºÑÐ¾Ð² Ð¼Ð°Ð»Ð¾Ð³Ð¾ Ð±Ð¸Ð·Ð½ÐµÑÐ°. â Ð Ð°Ð·ÑÐ°Ð±Ð¾ÑÐ°Ð½Ð¾ Ð¿ÑÐµÐ´Ð»Ð¾Ð¶ÐµÐ½Ð¸Ðµ Ð¿Ð¾ ÑÐ»ÑÑÑÐµÐ½Ð¸Ñ ÑÑÐ»Ð¾Ð²Ð¸Ð¹ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ Ð¼Ð°Ð»Ð¾Ð³Ð¾ Ð±Ð¸Ð·Ð½ÐµÑÐ° Ð² ÐÐÐ Â«Ð¡Ð±ÐµÑÐ±Ð°Ð½ÐºÂ» Ð¸ Ð¿ÑÐ¾Ð²ÐµÐ´ÐµÐ½Ð° Ð¾ÑÐµÐ½ÐºÐ° ÐµÐ³Ð¾ ÑÑÑÐµÐºÑÐ¸Ð²Ð½Ð¾ÑÑÐ¸. Ð¤Ð¾ÑÐ¼ÑÐ»Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ðµ Ð·Ð°Ð´Ð°Ñ Ð¾Ð¿ÑÐµÐ´ÐµÐ»Ð¸Ð»Ð¾ Ð¾ÑÐ³Ð°Ð½Ð¸Ð·Ð°ÑÐ¸Ñ Ð´Ð°Ð½Ð½Ð¾Ð¹ ÑÐ°Ð±Ð¾ÑÑ. ÐÐ½Ð° Ð²ÐºÐ»ÑÑÐ°ÐµÑ Ð²Ð²ÐµÐ´ÐµÐ½Ð¸Ðµ, ÑÑÐ¸ Ð¾ÑÐ½Ð¾Ð²Ð½ÑÐµ Ð³Ð»Ð°Ð²Ñ, Ð·Ð°ÐºÐ»ÑÑÐµÐ½Ð¸Ðµ Ð¸ Ð¿ÐµÑÐµÑÐµÐ½Ñ Ð¸ÑÐ¿Ð¾Ð»ÑÐ·Ð¾Ð²Ð°Ð½Ð½ÑÑ Ð¸ÑÑÐ¾ÑÐ½Ð¸ÐºÐ¾Ð². Ð Ð¿ÑÐ¾ÑÐµÑÑÐµ Ð¿Ð¾Ð´Ð³Ð¾ÑÐ¾Ð²ÐºÐ¸ Ð²ÑÐ¿ÑÑÐºÐ½Ð¾Ð¹ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð¾Ð¹ ÑÐ°Ð±Ð¾ÑÑ Ð¿ÑÐ¸Ð¼ÐµÐ½ÑÐ»Ð¸ÑÑ ÑÐ°Ð·Ð»Ð¸ÑÐ½ÑÐµ Ð¼ÐµÑÐ¾Ð´Ñ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ, ÑÐ°ÐºÐ¸Ðµ ÐºÐ°Ðº Ð°Ð½Ð°Ð»Ð¸Ð· Ð¸ ÑÐ¸Ð½ÑÐµÐ·, ÑÑÐ°Ð²Ð½ÐµÐ½Ð¸Ðµ Ð¸ Ð½Ð°Ð±Ð»ÑÐ´ÐµÐ½Ð¸Ðµ, Ð° ÑÐ°ÐºÐ¶Ðµ Ð¾Ð±Ð¾Ð±ÑÐµÐ½Ð¸Ðµ Ð¸ ÑÐ¸ÑÑÐµÐ¼Ð°ÑÐ¸Ð·Ð°ÑÐ¸Ñ ÑÐ¾Ð±ÑÐ°Ð½Ð½Ð¾Ð³Ð¾ Ð¼Ð°ÑÐµÑÐ¸Ð°Ð»Ð°. ÐÐºÑÑÐ°Ð»ÑÐ½Ð¾ÑÑÑ ÑÐµÐ¼Ñ Ð¾Ð±ÑÑÐ»Ð¾Ð²Ð»ÐµÐ½Ð° Ð½ÐµÐ¾Ð±ÑÐ¾Ð´Ð¸Ð¼Ð¾ÑÑÑÑ Ð¿Ð¾Ð¸ÑÐºÐ° Ð½Ð¾Ð²ÑÑ Ð¿Ð¾Ð´ÑÐ¾Ð´Ð¾Ð² Ðº ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ Ð¼Ð°Ð»Ð¾Ð³Ð¾ Ð±Ð¸Ð·Ð½ÐµÑÐ°, Ð¿Ð¾ÑÐºÐ¾Ð»ÑÐºÑ Ð¶ÐµÑÑÐºÐ°Ñ ÐºÑÐµÐ´Ð¸ÑÐ½Ð°Ñ Ð¿Ð¾Ð»Ð¸ÑÐ¸ÐºÐ° Ð±Ð°Ð½ÐºÐ¾Ð² Ð¸ Ð½ÐµÐ´Ð¾ÑÑÐ°ÑÐ¾Ðº Ð»Ð¸ÐºÐ²Ð¸Ð´Ð½ÑÑ Ð°ÐºÑÐ¸Ð²Ð¾Ð² Ñ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ¾Ð² Ð¾Ð³ÑÐ°Ð½Ð¸ÑÐ¸Ð²Ð°ÑÑ Ð´Ð¾ÑÑÑÐ¿ Ðº ÑÐ¸Ð½Ð°Ð½ÑÐ¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ. ÐÑÐµÐ´Ð»Ð¾Ð¶ÐµÐ½ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÐ¹ Ð¿ÑÐ¾Ð´ÑÐºÑ, ÐºÐ¾ÑÐ¾ÑÑÐ¹ Ð¿Ð¾Ð¼Ð¾Ð¶ÐµÑ ÑÐ»ÑÑÑÐ¸ÑÑ Ð´Ð¾ÑÑÑÐ¿ Ð¼Ð°Ð»Ð¾Ð³Ð¾ Ð±Ð¸Ð·Ð½ÐµÑÐ° Ðº ÑÐ¸Ð½Ð°Ð½ÑÐ¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ Ð¸ Ð¾Ð´Ð½Ð¾Ð²ÑÐµÐ¼ÐµÐ½Ð½Ð¾ ÑÐ»ÑÑÑÐ¸ÑÑ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÐµ Ð¿Ð¾ÑÑÑÐµÐ»Ð¸ Ð±Ð°Ð½ÐºÐ¾Ð², ÑÐ½Ð¸Ð·Ð¸Ð² ÑÐ¸ÑÐºÐ¸ Ð¸ ÑÐ²ÐµÐ»Ð¸ÑÐ¸Ð² Ð¾Ð±ÑÐµÐ¼Ñ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ, ÑÑÐ¾ Ð² ÑÐ²Ð¾Ñ Ð¾ÑÐµÑÐµÐ´Ñ Ð¿Ð¾Ð´Ð´ÐµÑÐ¶Ð¸Ñ ÑÐºÐ¾Ð½Ð¾Ð¼Ð¸ÑÐµÑÐºÐ¸Ð¹ ÑÐ¾ÑÑ Ð¸ ÑÑÐ°Ð±Ð¸Ð»ÑÐ½Ð¾ÑÑÑ Ð½Ð° ÑÑÐ½ÐºÐµ.
description: The aim of the work is to develop a credit product "Affordable Credit for Small Business." The following tasks were addressed:Â  â Key concepts related to small business were defined.Â  â Trends and prospects for the development of small enterprises were studied.Â  â The Russian and international experience in small business lending was analyzed.Â  â The activities of PJSC Sberbank were evaluated.Â  â The main problems and risks faced by commercial banks when lending to small business entities were identified.Â  â A proposal was developed to improve the lending conditions for small businesses at PJSC Sberbank, and its effectiveness was assessed.Â  The formulation of tasks determined the organization of this work. It includes an introduction, three main chapters, a conclusion, and a list of sources used.Â  Various research methods were applied in the process of preparing the final qualification work, such as analysis and synthesis, comparison and observation, as well as generalization and systematization of the collected material.Â  The relevance of the topic is due to the need to find new approaches to small business lending, as the strict credit policy of banks and the lack of liquid assets among borrowers limit access to financing. A credit product has been proposed that will help improve small businesses access to financing while simultaneously enhancing banks credit portfolios, reducing risks, and increasing lending volumes, which in turn will support economic growth and stability in the market.