title: Ð Ð°Ð·ÑÐ°Ð±Ð¾ÑÐºÐ° ÑÐ¸ÑÑÐµÐ¼Ñ ÑÐ¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ñ ÑÐ¸ÑÐºÐ°Ð¼Ð¸ Ð¿ÑÐ¸ ÑÐ¸Ð½Ð°Ð½ÑÐ¸ÑÐ¾Ð²Ð°Ð½Ð¸Ð¸ Ð¼Ð°Ð»Ð¾Ð³Ð¾ Ð¸ ÑÑÐµÐ´Ð½ÐµÐ³Ð¾ Ð±Ð¸Ð·Ð½ÐµÑ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: The development of a risk management system for financing small and medium enterprises
Creators: name: Ð¢ÑÐ¼Ð¸Ð½, ÐÐ¾Ñ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: 2024
Subjects: ÑÐ¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ðµ ÑÐ¸ÑÐºÐ°Ð¼Ð¸
Ð°Ð½Ð´ÐµÑÑÐ°Ð¹ÑÐ¸Ð½Ð³
ÐÐ¡Ð
ÑÐ¸Ð½Ð°Ð½ÑÐ¸ÑÐ¾Ð²Ð°Ð½Ð¸Ðµ ÐÐ¡Ð
P2P ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ðµ
risk management
underwriting
SMEs
SMEs financing
P2P lending

description: Ð Ð½Ð°ÑÑÐ¾ÑÑÐµÐµ Ð²ÑÐµÐ¼Ñ Ð¿ÑÐ¾Ð±Ð»ÐµÐ¼Ð° Ð°Ð½Ð°Ð»Ð¸Ð·Ð° Ð¿ÑÐµÐ´Ð¿ÑÐ¸ÑÑÐ¸Ð¹ ÐÐ¡Ð, Ð° ÑÐ°ÐºÐ¶Ðµ ÑÐ²ÑÐ·Ð°Ð½Ð½ÑÑ Ñ Ð½Ð¸Ð¼Ð¸ ÑÐ¸ÑÐºÐ¾Ð², ÑÐ²Ð»ÑÐµÑÑÑ Ð°ÐºÑÑÐ°Ð»ÑÐ½Ð¾Ð¹, Ð² ÑÐ²ÑÐ·Ð¸ Ñ ÑÐµÐ¼, ÑÑÐ¾ Ð¿ÑÐµÐ´ÑÑÐ°Ð²Ð»ÑÐµÑ ÑÑÐ´ ÑÑÑÐ´Ð½Ð¾ÑÑÐµÐ¹ Ñ ÑÐ¾ÑÐºÐ¸ Ð·ÑÐµÐ½Ð¸Ñ ÐºÐ¾Ð»Ð¸ÑÐµÑÑÐ²ÐµÐ½Ð½ÑÑ Ð¸ ÐºÐ°ÑÐµÑÑÐ²ÐµÐ½Ð½ÑÑ Ð´Ð°Ð½Ð½ÑÑ. Ð¦ÐµÐ»Ñ Ð´Ð°Ð½Ð½Ð¾Ð¹ ÑÐ°Ð±Ð¾ÑÑ Ð²ÑÑÐ²Ð¸ÑÑ Ð¾ÑÐ½Ð¾Ð²Ð½Ð¾Ð¹ ÑÐ¿ÐµÐºÑÑ ÑÐ¸ÑÐºÐ¾Ð², ÑÐ²ÑÐ·Ð°Ð½Ð½ÑÐ¹ Ñ ÑÐ¸Ð½Ð°Ð½ÑÐ¸ÑÐ¾Ð²Ð°Ð½Ð¸ÐµÐ¼ ÑÑÐ±ÑÐµÐºÑÐ¾Ð² ÐÐ¡Ð, Ð²Ð°ÑÐ¸Ð°Ð½ÑÑ ÑÐ¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ñ Ð¸Ð¼Ð¸, Ð¸ Ð²ÑÐ´Ð²Ð¸Ð½ÑÑÑ Ð¿ÑÐµÐ´Ð»Ð¾Ð¶ÐµÐ½Ð¸Ñ Ð¿Ð¾ ÑÐ»ÑÑÑÐµÐ½Ð¸Ñ ÑÐ¸ÑÑÐµÐ¼Ñ ÑÐ¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ñ ÑÐ¸ÑÐºÐ°Ð¼Ð¸ Ð¿ÑÐ¸ ÑÐ¸Ð½Ð°Ð½ÑÐ¸ÑÐ¾Ð²Ð°Ð½Ð¸Ð¸ ÐÐ¡Ð. Ð Ð°Ð±Ð¾ÑÐ° Ð¾ÑÐ½Ð¾Ð²Ð°Ð½Ð° Ð½Ð° Ð´Ð°Ð½Ð½ÑÑ Ð¾Ð´Ð½Ð¾Ð¹ Ð¸Ð· ÑÐ¾ÑÑÐ¸Ð¹ÑÐºÐ¸Ñ Ð¿Ð»Ð°ÑÑÐ¾ÑÐ¼ ÑÑÐ½ÐºÐ° P2P ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ. ÐÑÐ»Ð¾ Ð¿ÑÐ¾Ð²ÐµÐ´ÐµÐ½Ð¾ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ðµ Ð½Ð°ÑÑÐ½Ð¾Ð¹ Ð»Ð¸ÑÐµÑÐ°ÑÑÑÑ Ð¿Ð¾ ÑÐµÐ¼Ðµ ÑÐ°Ð±Ð¾ÑÑ. ÐÑÐ»Ð° Ð¿ÑÐ¾Ð°Ð½Ð°Ð»Ð¸Ð·Ð¸ÑÐ¾Ð²Ð°Ð½Ð° Ð²Ð½ÐµÑÐ½ÑÑ Ð¸ Ð²Ð½ÑÑÑÐµÐ½Ð½ÑÑ ÑÑÐµÐ´Ð° ÐºÐ¾Ð¼Ð¿Ð°Ð½Ð¸Ð¸, Ð½Ð° Ð¾ÑÐ½Ð¾Ð²Ðµ ÐºÐ¾ÑÐ¾ÑÐ¾Ð¹ ÑÐ¾ÑÑÐ°Ð²Ð»ÐµÐ½Ð° ÑÐ°Ð±Ð¾ÑÐ°. ÐÑÐ¾Ð²ÐµÐ´ÐµÐ½ Ð°Ð½Ð°Ð»Ð¸Ð· ÑÐ¸ÑÐº-Ð¼ÐµÐ½ÐµÐ´Ð¶Ð¼ÐµÐ½ÑÐ° Ð² Ð¿ÑÐ¾ÑÐµÑÑÐ°Ñ Ð°Ð½Ð´ÐµÑÑÐ°Ð¹ÑÐ¸Ð½Ð³Ð° Ð¿Ð»Ð°ÑÑÐ¾ÑÐ¼Ñ. ÐÑÑÑÐµÑÑÐ²Ð»ÐµÐ½Ð° Ð²ÑÐ±Ð¾ÑÐºÐ° Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ¾Ð² Ð´Ð»Ñ Ð²ÑÑÐ²Ð»ÐµÐ½Ð¸Ñ Ð²Ð·Ð°Ð¸Ð¼Ð¾ÑÐ²ÑÐ·Ð¸ Ð¿Ð¾ÐºÐ°Ð·Ð°ÑÐµÐ»ÐµÐ¹ Ð²ÑÑÑÑÐºÐ¸ Ð¸ ÑÐµÐ½ÑÐ°Ð±ÐµÐ»ÑÐ½Ð¾ÑÑÐ¸ Ð¿ÑÐ¾Ð´Ð°Ð¶ Ñ Ð¿Ð¾ÐºÐ°Ð·Ð°ÑÐµÐ»ÑÐ¼Ð¸ Ð¿Ð¾Ð³Ð°ÑÐµÐ½Ð¸Ñ Ð·Ð°Ð¹Ð¼Ð¾Ð². ÐÑÐ¾Ð²ÐµÐ´ÐµÐ½Ð¾ ÑÑÐ°Ð²Ð½ÐµÐ½Ð¸Ðµ Ð¿Ð¾ÐºÐ°Ð·Ð°ÑÐµÐ»ÐµÐ¹ Ð¿Ð¾Ð³Ð°ÑÐµÐ½Ð¸Ñ Ð·Ð°Ð¹Ð¼Ð¾Ð² Ð´Ð¾ Ð¸ Ð¿Ð¾ÑÐ»Ðµ Ð²Ð½ÐµÐ´ÑÐµÐ½Ð¸Ñ Ð½Ð¾Ð²ÑÑ Ð¼ÐµÑÐ°Ð½Ð¸Ð·Ð¼Ð¾Ð² ÑÐ¸ÑÐº-Ð¼ÐµÐ½ÐµÐ´Ð¶Ð¼ÐµÐ½ÑÐ°. Ð ÑÐ°Ð±Ð¾ÑÐµ Ð¸ÑÐ¿Ð¾Ð»ÑÐ·Ð¾Ð²Ð°Ð»Ð°ÑÑ ÐÐ¤Ð ÐºÐ¾Ð¼Ð¿Ð°Ð½Ð¸Ð¹-Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ¾Ð², Ð²Ð½ÑÑÑÐµÐ½Ð½Ð¸Ðµ Ð¸ Ð²Ð½ÐµÑÐ½Ð¸Ðµ Ð´Ð°Ð½Ð½ÑÐµ Ð¿Ð»Ð°ÑÑÐ¾ÑÐ¼Ñ, Ð°Ð½Ð°Ð»Ð¸Ð· Ð´Ð°Ð½Ð½ÑÑ Ð±ÑÐ» Ð¿ÑÐ¾Ð²ÐµÐ´ÐµÐ½ Ð½Ð° Ð±Ð°Ð·Ðµ Ð¿Ð°ÐºÐµÑÐ° MS Office (Excel).Â  Ð ÐµÐ·ÑÐ»ÑÑÐ°ÑÐ°Ð¼Ð¸ ÑÐ°Ð±Ð¾ÑÑ ÑÐ²Ð»ÑÐµÑÑÑ ÑÑÐ´ Ð¿ÑÐµÐ´Ð»Ð¾Ð¶ÐµÐ½Ð¸Ð¹ Ð¿Ð¾ ÑÐ»ÑÑÑÐµÐ½Ð¸Ñ ÑÐ¸ÑÑÐµÐ¼Ñ ÑÐ¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ñ ÑÐ¸ÑÐºÐ°Ð¼Ð¸ Ð² Ð¿ÑÐ¾ÑÐµÑÑÐ°Ñ Ð°Ð½Ð´ÐµÑÑÐ°Ð¹ÑÐ¸Ð½Ð³Ð° ÑÐ°ÑÑÐ¼Ð°ÑÑÐ¸Ð²Ð°ÐµÐ¼Ð¾Ð¹ ÐºÐ¾Ð¼Ð¿Ð°Ð½Ð¸Ð¸.
description: Today, the problem of analyzing SMEs, as well as the risks associated with them, is relevant due to the fact that it presents a number of challenges in terms of quantitative and qualitative data. The aim of this work is to identify the main risks associated with SMEs financing, ways to manage them, and put forward a series of proposals for improving the risk management of SMEs financing. This work is based on the data from one of the Russian P2P lending platforms. I conducted a literature review on the subject of this work. I analyzed the external and internal environment of the company this work is based on and conducted an analysis of risk management in the underwriting processes of the platform. I also selected a group of platformâs borrowers and analyzed the connection between revenue, net profit margins and repayment rates, and compared repayment rates before and after the introduction of new risk management mechanisms. This thesis uses accounting and financial statements of platformâs borrowers, and internal data of the platform. For data analysis I used MS Office (Excel). The results are concluded in a number of proposals for improving the risk management system in the analyzed platformâs underwriting processes.