Starting your own business is not easy, in principle, it requires a special talent, ability, which is not at all.Become a businessman can not everyone, especially if you live in Russia.Almost every year the International Rating Agency have our country somewhere between Rwanda and Guinea Bissau in the summary table of countries where it is most convenient to conduct business.Top thus also generally do not change.This so-called "Asian dragons" - a country committed in recent years, a huge leap in its economic development, as well as "old" leaders - the United States and Western Europe.
about why there simply to do business, and we can argue very hard for a long time.Here and mentality, and vast distances, and administrative barriers, and corruption and crime and so on.With all that you need to fight and, if we can win business in Russia, probably will flourish.However, the most important resource of any entrepreneur, among other things, is money, money that can be put to use.Loans to small businesses should be accessible and affordable - this is one of the main conditions for prosperity.In the US, for example, local predprinateley this is no problem.For small business loans it meets the special structure, which is part of the Presidential Administration.
The Russian government is also trying to help business people, but it turns out is not very good.Banks are reluctant to work with those wishing to start their own business, in fact, even with experienced business leaders who want to get a loan, lenders prefer not to get involved.Especially risky area for them - it's small business loans without collateral.Such loans can be given only in case if you have a good bond or a reliable guarantor.Although it is generally a person who wants to start their own business it is, neither one nor the other.
While the situation seems hopeless, but the Russian government is preparing a series of measures, which in the future should make small business loans available to many.If it is our leaders are well aware that government intervention in the natural market processes should be extremely cautious.It just hand out money to everyone is impossible, it is unlikely this could have something good.Therefore, the basis for the national reform plan to take the best world standards.
For example, in the same US government itself does not issue loans, but it is the guarantor and the guarantor for the repayment of the bank.This allows you to make small business loans without collateral available.Why do banks make excessive demands on the borrower, if the government will compensate your losses (if they follow course).So in America, banks are willing to give money to entrepreneurs, because it is impossible to lose.The truth is the government not prepared to learn for everyone.For Russia, our level of corruption, it can be a serious problem: loans under the state guarantees will be able to take only "their" people.So just moves the American model of business support can not solve our problems, here needs a creative approach.
