Кредит для своих

Кредит для своих

Банкиры настороженно относятся к малому бизнесу и выдают кредиты только лучшим

Кредит для своих

Снова растем

По данным ЦБ, в прошлом году объем кредитов МСБ вырос на 15,4% и достиг 6,1 трлн рублей. «До этого выдачи снижались три года подряд», — напоминает вице-президент Промсвязьбанка Кирилл Тихонов. По мнению аналитика «Эксперт РА» Екатерины Михлиной, поддержку рынку оказали два основных фактора: снижение стоимости фондирования вслед за уменьшением ключевой ставки ЦБ РФ и расширение профильных госпрограмм.

Как отмечает директор департамента организации продаж МСБ Бинбанка Андрей Возмилов, большая часть выдач пришлась на рефинансирование кредитов, выданных по высоким ставкам в 2015–2016 годах: «Значительного роста спроса от новых клиентов на заемные средства не наблюдалось». Тем не менее замгендиректора ГК «Русмикрофинанс» Анастасия Локтионова обращает внимание: «В то время как кредитование крупного бизнеса продолжает сокращаться с третьего квартала 2016 года, зафиксирован прирост портфеля МСБ».

По расчетам эксперта по кредитным продуктам «Банки.ру» Ирины Сафроновой, с декабря 2014 года средняя процентная ставка по рынку кредитования МСБ снизилась с 19,9% до 14,2% годовых. Гендиректор «Юридического бюро №1» Юлия Комбарова говорит, что сейчас кредиты МСБ выдают по ставкам в диапазоне от 11 до 18% годовых, и напоминает: чем меньше процентная ставка, тем большего объема обеспечения требует банк.

Красивая поддержка

Сейчас в стране действует несколько программ поддержки малого и среднего предпринимательства: Национальная гарантийная система (помогает в получении гарантий на банковские кредиты), программа «Шесть с половиной» (кредиты от 10 млн руб. для предприятий МСБ из приоритетных отраслей позволяет компаниям рассчитывать на процентную ставку в 10,6% годовых для малого и 9,6% для среднего бизнеса), спецпрограммы Минсельхоза для АПК. Так, например, сообщили «ЭВ» в Сбербанке, в настоящее время банк работает с 10 программами господдержки для МСП, кредитный портфель в рамках этого направления составляет 198 млрд руб.

Тем не менее круг кредитуемых организаций не так уж широк: банки не готовы к экспериментам. «Требования к заемщику не снижаются и не снизятся. Для получения кредита компания должна осуществлять свою деятельность не меньше полугода, иметь хорошее финансовое состояние, качественную кредитную историю юрлица и его учредителей, поручительство собственников и залог, полностью или частично покрывающий сумму кредита», — сообщил директор департамента корпоративного бизнеса Росгосстрах-банка Евгений Ковалевский.

Двери закрываются

«Инвестиции — вот наиболее вероятное получение денег для МСБ. Банк смотрит на твое прошлое, а инвестор — на будущее. Прошлое ты показать не можешь — нет результатов или ты их скрываешь. Инвестору же интересно развитие», — рассуждает соучредитель компании Soulful Loft Егор Евланников. Он на практике столкнулся с высокими требованиями банков. Так, Егор без проблем дважды оформил кредит на закрытие кассового разрыва в Сбербанке — оба раза на 700 тыс. руб. под 14% годовых. «Кредит дали, потому что получал «белую» зарплату на карточку банка, — поясняет бизнесмен, вспоминая, как в том же «Сбере» пробовал ранее получить кредит по другому проекту, ждал две недели и получил отказ. «Причина — новая компания, мало активов. Зарплатного проекта в банке у меня тогда не было».

Другую поучительную историю рассказала «ЭВ» Полина Кирова, директор по развитию федеральной сети рыбных супермаркетов ТМ «Рыбсеть». С 2015 года компания активно работает как франчайзер: франшиза стоит 700 тыс. руб., франчайзи обычно требуется 1–2 млн руб. кредитных средств. «Получить кредит для малого бизнеса в рамках обозначенных сумм практически невозможно или же требуются несоизмеримые залоги в виде недвижимости. Около 20% потенциальных франчайзи получают отказ в кредите на открытие в магазинах». Иными словами, компания лишается примерно 2–4 возможных франчайзи в месяц.

Банкиров можно понять. По некоторым оценкам, просрочка по портфелю МСБ составляет порядка 14%, это очень высокий показатель. «Банки остаются консервативными в своих риск-подходах, и возврата к высокорискованному кредитованию не произойдет. Процент одобрения кредитных заявок МСБ, по нашим оценкам, существенно не изменится и останется на низком уровне», — уверена Михлина. «Из всех клиентов, у которых есть потребность в кредитных ресурсах, на рынке получают кредитные средства около 60–65%. К остальным относятся, как правило, предприятия с низкой финансовой устойчивостью», — говорит Кирилл Тихонов.

Ирина Сафронова отмечает, что крупные клиенты давно поделены и банки перенесли борьбу за клиента в сегмент МСБ. Маркетинг здесь работает по полной программе: обучающие семинары, бесплатные стартовые пакеты на обслуживание, таргетированные программы для женщин-предпринимателей, компаний из одного географического региона или отрасли. «Однако, несмотря на все подвижки со стороны банков, кредитование МСБ наращивается медленными темпами: декларирование банками лояльности сталкивается с довольно жесткими ограничениями и требованиями», — резюмирует эксперт.

Получайте короткую вечернюю рассылку лучшего в «МК» — подпишитесь на наш Telegram.

Источник: mk.ru

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casino game, and probably the one with the highest level of interest among gamblers.
It is often compared to a cross between poker and slots, since it
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Although the specific mechanics of how these bets are made is largely unknown, it is generally thought that a normal deck of
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There are basically two types of bets in quarantine. First, the players may either bet on the total amount of
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from the quarante deck. If no cards come out during a quarante
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played at the St Regis Hotel. This particular variant of the game
involved a tableau de quarante at which all the players would sit at specific places on the guarantee row.
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winning player being the player who was able to finish
their last five cards before the other players ended theirs.

Today, there are literally hundreds of variations of this traditional French card game, et noir.
In actuality, the most common variation is only a variation on the red and black rooms.

In most versions, there are four suites; a black package, a reddish suite,
plus a blue suite. The players can win by laying down a total of twenty-one free cards, including
one card from each of the four suites. Once all
players have lost their cards, the dealer randomly chooses a single card from each of the four suites and places it in the center of the quarante table.

Today, the term»quarante» means»of or relating to quarantining.» Traditionally, the game was known as»trente et noir» which meant playing cards with titles.
It has also been referred to as»trente» and»ne monetaire»
from the French speaking world. Today, it refers only to card games
that contain playing cards with titles.

Traditionally, the match was played between two people seated across a table;
however, in America it’s usually played at a bar or
lounge. Each individual dealt three cards face down, one at a time to
each other. If anyone got rid of one of the three cards, then they had to switch places with the man who they
had dealt with the first card to. The person who dealt the last
card, in turn, then had to eliminate the hand by passing another card to the person they handed it
to.

The»quaint» version of the game is available for
people who want to play something a little more
simple. Though there are variations on how to play the game, the basic rules remain the same.
The object is still the same, to form the greatest possible hand
without needing any cards left to spare. This may
be accomplished with ease, especially if you’ve already mastered the fundamentals of playing the game of blackjack,
because the basic rules of this card game are extremely simple to
learn and grasp. The basic notion of the game of»monte carlo» stays the
same, as it is a simple game which can be played by almost anyone.

It’s fair to mention that Sic Bo is just really a extremely popular casino sport
from Asia as possible theoretically acquire considerable
quantities money with this popular game (commonly wager by
people who come in the minority with respect to the majority who bet the minimal total allowed from the casinos).
In addition it’s reasonable to say that a lot of those
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Some elderly players however are drawn by the fact which they could win enormous and they enjoy to try and improve their probability of winning big.
Here is the way the sicbo / Tai-Sai action usually does occur.

The dealer typically starts away having ten or twenty or more
dice, which are coated using a transparent cover.
The trader will then place seven or eight dice
to some reddish purse, that will be then passed around to those gamers.
The intent of the game is for players to attempt to remove the
utmost number of dice out of the plank whilst not letting some one
of the additional people remove some one of
the dice out of the board. When a new player wins a jackpot, that player has to replace each one the dice they originally removed from the board.
If a participant accomplishes a jackpot,
then they have to wait until eventually it changes before they are able to attempt to
get rid of another group of dice.

The first portion of this gambling method is reasonably straightforward.
The principles for betting are fairly common. Players are invited to place stakes
that match exactly with the general casino entire bankroll (not their personal bet sums ).
Irrespective of what the final bet amount is, all stakes are played at the same way — throughout
the conventional, currency betting process at which the man or woman gambling pays one line of money plus receives a fitting line of currency
in return. At virtually no limit match such as for example Sic Bo, however, a new
player may additionally fold their bets until the final bettors have a chance to carry them.

When a casino offers chances for specific games, odds are often recorded in Roman numerals.
You’ll find a few variations on the list of chances,
however. For example, in the No Limit Texas Holdem game, a new player could receive just two pairs, but
several cards if the pot is small. From the No Limit Texas Holdem game, gamers
could obtain a single card or two cards in case their initial bet was a set.
Without regard to the type of odds, nevertheless, people are
always instructed to set their stakes according
to the odds. This ensures that at the event that their first
bet wins, they will have the chance to select another bet at a better rate.

Edge betting is really just a popular way in many casino games.

In a live casino match, a border bettor will often use two different types of
stakes — just one for one unit, and one for just 2 components.
At an internet video game, however, there are no limits into this
bets. Edge people may often bet many times over an identical wager, sometimes doubling, or tripling the initial bet level.
For this reason, they are a excellent way when you have the
opportunity to accomplish this, and also you’ll be able to become away with paying more
winnings out in relation to the house pays out.

If it comes to deciding on your best stakes, contemplate the overall winning hand and also the odds for every single.
Both of these factors will probably be utilised to ascertain which bets would
be the best. In the majority of circumstances, when you’ve got the opposite hand,
then you are going to possess the best likelihood of winning the pot; when you yourself have
exactly the optimal/optimally hand, then you also stand a fantastic
prospect of winning the marijuana. For those who have a very high
total score, however, you have less of a prospect of winning at the entire score.
This is where most slot players end up, since they do not
want to lose an excessive amount of money while they are
inside the game.

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Gambling has long been a tabooed subject in many societies; in fact,
many people believe it to be a kind of gambling. However, many individuals still enjoy the excitement and thrill that come together with gambling; hence, the reason why there are casinos
all around the world. Betting has even made its way into popular culture,
with reality shows like»The Weakest Link» where folks play slots.

Quarantee (red and black) is probably the most recognized
type of casino game, and probably the one with the maximum level of interest among
gamblers. It is often compared to a cross between slots and poker, because
it requires the player to place bets based on the cards that come from the quarante deck.
Although the exact mechanics of how these bets are made is largely unknown, it is usually thought
that a normal deck of 52 cards is used in each game. As well as the cards
that come out of this quarante deck, the player must also choose a hand of cards that will make up the winning combination. The most
common types of bets are the win, place, show, and full house.

There are basically two kinds of stakes in quarantine. The players can either bet on the total
amount of the pot (or wager); or they could bet on the total
number of cards that come from the quarante deck. If no
cards come out during a quarante match, then the player must call, raise,
or fold. There are generally three different betting bets in each
sport: win, cover, and half-pay.

Traditionally, the traditional Italian card game, tarantella, was
played at the St Regis Hotel. This particular version of the game involved
a tableau de quarante at which all the players would sit
at particular places on the warranty row. In this type of game, there were red and black rooms, together with the winning participant being the player who was
able to finish their last five cards before the other players finished theirs.

Today, there are literally hundreds of variations of the standard French card game,
et noir. In fact, the most common variation is simply a variation on the red and black rooms.

In most versions, there are four suites; a black package, a red suite, and a blue suite.

The players can win by laying down a total of twenty-one free cards, including one
card from each of the four suites. Once all players have
discarded their cards, the dealer randomly chooses a single card from each of the four suites and places it in the
center of the quarante table.

Today, the term»quarante» means»of or relating to quarantining.» Traditionally, the game
was referred to as»trente et noir» that meant playing cards with titles.

It has also been known as»trente» and»ne monetaire» from the French speaking world.

Today, it refers only to card games which contain playing cards with names.

Traditionally, the game was played between two people seated across a tablenonetheless, in America it’s usually played at a bar or
lounge. Each person dealt three cards face down, one
at a time to one another. If anybody got rid of one of those three cards, then they had to
switch places with the person who they had dealt with the first card to.
The person who dealt the last card, in turn, then had to eliminate the hand by passing another card to the person they handed it to.

The»quaint» version of this game is available for people who wish to
play something a bit more simple. Though there are variations on how
to play the game, the basic rules remain the same. The object stays the
same, to form the highest possible hand without needing any cards left to spare.
This can be accomplished with ease, especially if you have already
mastered the basics of playing the game of blackjack, since the basic rules of this card game are extremely easy to learn and master.
The basic concept of the game of»monte carlo» stays the
same, as it is a simple game that may be played by almost anyone.

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