Moscow asked to return the conditions of microcredits to businesses – RealnoeVremya

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First Deputy Minister of Economy of the Republic of Tatarstan Rustem Sibgatullin criticized federal restrictions imposed on the issuance of microloans to support small and medium-sized businesses

First Deputy Minister of Economy of the Republic of Tatarstan Rustem Sibgatullin tried to convince officials of the Ministry of Economic Development of Russia to return a three-year repayment period for soft loans instead of the two-year period introduced due to quarantine. June 10th. With the introduction of these restrictions, the monthly payment automatically increased, and it became more difficult to repay loans. The participants in the industry conference spoke for a longer time – up to five years.

Regional state funds in Kazan

Concessional loans for resuming work after a forced shutdown during a pandemic and microloans to replenish working capital helped businesses survive, and government funds in providing support turned out to be more flexible and mobile than banks, participants in the All-Russian Forum noted. Microfinance for entrepreneurship. Season III ”was reported on June 10th. … It brought together more than 90 representatives of non-profit microfinance organizations with government participation from 47 regions of the country. Their capitalization varies from 200 million rubles to 2.5-3 billion rubles, but they are united by a common tool for business development – lending.

With the emergence of such organizations in the regions, they began to move away from the practice of direct subsidies to return mechanisms for supporting small and medium-sized businesses, and the funds themselves merged into the SRO “MiR”. At the forum, the director of the industry association Elena Stratyeva called on the representatives of the foundations to outline the main problems that the federal authorities face when regulating their activities, since even after a pandemic, businesses will need their support. However, Tatarstan turned out to be the main mouthpiece of the community’s problems.

The director of the industry association Elena Stratyeva called on the representatives of the foundations to outline the main problems facing the federal authorities in regulating their activities, since even after a pandemic, businesses will need their support. Photo: Roscongress

“We say people need support, but we made it even worse.”

“Can the restrictions be lifted faster?” – First Deputy Minister of Economy of the Republic of Tatarstan Rustem Sibgatullin raised the urgent problem of all regional funds, addressing Olesya Teterina, Deputy Director of the Department of Investment Policy and Entrepreneurship Development of the Republic of Tatarstan. Ministry of Economic Development of Russia, via video conferencing.

According to him, the introduction of federal restrictions on the repayment of loans for a period of 3 to 2 years worsened the situation of entrepreneurs, since the monthly payment automatically increased, and it became more difficult to return it.

We are talking about preferential loans issued by business support funds in the regions. Two years ago, at the suggestion of the Ministry of Economic Development, the maximum loan amount was increased from 3 to 5 million rubles, and in the self-isolation mode, the regulator decided to reduce the term from 36 to 24 months. The swift loan repayments should have increased the amount of aid issued, officials said, but in fact led to service difficulties.

“The self-employed also say – it is better to give us a higher rate, but to increase the loan repayment period. Then the monthly payment will be less “, – explained the Deputy Minister of Economy of the Republic of Tatarstan. According to him, it has become more difficult for entrepreneurs to repay loans in a shorter timeframe. “We say that people need support, but they are even worse,” he said, and the forum audience supported him.

“These restrictions work because of isolation,” Olesya Teterina tried to argue. “First of all, we must help those who find themselves in a difficult situation.”

“But where is the logic?” Rustem Sibgatullin asked again. “If people say:“ Give for three years ”, and for some unknown reason we say:“ We cannot, we have limitations ”. I don’t know if my colleagues will support me … Who is for the three-year proposal? He turned to the audience.

At that moment, the camera was turned towards the audience and showed a forest of spectators’ hands. “Better up to five years!” – someone from the audience shouted. In response, the representative of the department Olesya Teterina promised to include this issue in the “framework of the budgetary process” for the next year.

“It seems like the logic is to issue microloans to a larger number of SMEs, but this is inconvenient for business,” Sibgatullin explained in a conversation with Realnoe Vremya. “It’s simple mathematics – to get 5 million rubles and give it back in 24 or 36 months. It is clear that you will have to return more per month with a two-year return period. ”

“These restrictions work because of isolation,” Olesya Teterina tried to argue. “First of all, we must help those who find themselves in a difficult situation.” Photo fedpress.ru

The loans have been “pegged” to the key rate of the Central Bank since June 1.

General Director of the Entrepreneurship Support Fund Aydar Salikhov said which loans were the most popular among businesses during the pandemic. A third of the portfolio went to those enterprises that were not included in the list of the most affected industries. For the treatment of business, the fund launched a product at 1% for 2 years. 354 microloans were issued for over 250 million. Since September, they stopped issuing loans at 1% and launched a universal product “Reload” for all enterprises. It accounted for 32% of the portfolio. Loans were issued for 300 million rubles at 6% per annum. In total, since the foundation of the fund in 2014, more than 2,500 loans have been issued in the amount of 4.4 billion rubles.

Fundamental changes have taken place since June 1, when the fund abandoned the fixed rate of 6% in favor of a floating one. The loan rate was tied to the key rate of the Central Bank. It is the right of the region to determine how to form the cost of the financing itself.

“Previously, the rate was at the level of 6% per annum, and since June 1, the rate has been reduced to 5% in the ratio of the Central Bank,” said Aydar Salikhov. At the same time, he does not exclude that after the Central Bank will raise the borrowing rate.

Aydar Salikhov reported on the problem of lending to social entrepreneurs: according to him, only one loan has been issued. Photo: tatarstan.ru

Tatarstan Foundation will catch up with Krasnodar Foundation

Another important news: the fund intends to increase its capitalization by 400 million rubles – up to 2.5 billion rubles. In this case, the Tatarstan Fund will catch up with the leader – the Fund for the Support of Entrepreneurship of the Krasnodar Territory, whose capitalization has reached 3 billion rubles.

The dynamics of granting loans is as follows. In 2019, 399 loans were issued for 934.6 million rubles, 685 loans for 1.4 billion rubles – in 2020. Since the beginning of this year, 225 loans worth 351.7 billion rubles have been issued, Aidar Salikhov said. In total, by the end of the year, it is planned to issue 621 loans in the amount of 1.2 billion rubles. Here he spoke about the problem of lending to social entrepreneurs: according to him, only one loan has been issued.

“But not because they do not apply, but the conditions are. They must be on the register of social entrepreneurs. Only 12 entrepreneurs were included and only one received a loan. This year there will be 100 of them. And they will have the opportunity to issue loans, ”Salikhov explained.

Louise Ignatieva




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