about such a concept as loans to individual entrepreneurs have heard, perhaps, everything.Without a developed system of credit and financial relations of any business simply could not function because it is based on the laws of market economy.It is important to note that in the developed countries, any entrepreneur necessarily use the services of banks in respect of credit, because without them is almost unthinkable to develop their own business, as well as its extension.
If we talk about our country, there is a great regret such a loan is not easy to get enough.Despite widespread publicity, loans to individual entrepreneurs is difficult to obtain.What is the reason for this situation?
Frankly speaking, it is absolutely any credit that banks give to businessmen, is profitable enough, even if it is full of no return.The fact that all financial institutions that are engaged in the issuance of borrowings, lay in the interest rate on the loan risk of default certain percentage of such funds.Thus, it turns out that all conscientious borrowers bear the burden of the tax rate, which takes into account the bank's losses from non-repayment of funds.As a rule, the percentage of failed loans is about 5-6%, so it is a risk, and is distributed among all clients of the bank.But why loans to individual entrepreneurs still gets so hard?
whole thing, it turns out, is the transparency of the business and its financial performance.Of course, any bank in the calculation of the possibility of issuing such means takes into account only the official part of the business, and in today's business to survive in the market one has to earn even unofficially.After all, with our fiscal policy and taxation system, to survive in the market only honest work is not possible.It turns out that even if a person is successful in raising money, then officially confirm this is problematic.Even despite the fact that many businessmen pledge in real estate, not all banks can take the risk.
As a rule, loans to individual entrepreneurs can obtain only after the following documents:
- certificate of registration.
- certificate of registration with the tax office.
- Charter Company.
- decision on the appointment of the director and chief accountant.
- Form-1 (balance).
- Extract from the register.
- Form-2 (profit and loss).
- copy of the lease premises (if necessary).
- Help the absence of debts to the budget.
Despite all the difficulties associated with the design, many banks are going to meet their clients and offer a wide range of possible credit schemes.Consumer credit to individual entrepreneurs is not limited to the issue of funds under the scheme: the opening of the account - money transfer.Many of today's financial institutions to apply the scheme of leasing and factoring as an alternative.As a result, the entrepreneur still receiving funds for the development of business, and the bank put its interest.
Thus, the analysis of the above, it can be concluded that the lending Russia today still functioning.However, lending to private entrepreneurs has been slower than we would like.It is hoped that the fiscal policy of our state, as well as laws governing business, become softer, resulting in a small business will be able to develop more intensively
