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Any development requires funding
Vladimir SelivanovManaging VTB24 in the Khabarovsk Territory
Of the most active industries, construction and the HoReCa segment should be noted. There is also a great demand for loans from various trading companies. Of course, one should not expect a high share of GDP from the small business segment. But it is this segment that forms the quality part of the infrastructure - trade (wholesale and retail), restaurants, transport services, construction services.
What has changed here lately? First, multifunctional centers appeared that implement the principle of “one window”. They have become a good help for entrepreneurs and accelerated the solution of many issues arising in the process of doing business. Popularization of small business support funds, expanding the list of priority sectors, increasing the amount and terms of providing guarantees - all this increases the availability of business financing.
In addition, banks are becoming more loyal in matters of financing. There are new products, both credit and deposit, which allow entrepreneurs to develop business. For example, a company that has a current account with VTB24 may independently and promptly place a deposit for a period from 1 to 90 days through the Bank-Client system at the maximum percentage. The possibility of placing deposits is available not only to legal entities, but also to individual entrepreneurs. Deposits for short periods are a very popular service, since This allows the company to effectively use their available funds. And such operations should be carried out constantly. On a year scale, a significant result will be visible - a separate item of income.
Insufficient level of financial literacy of entrepreneurs is often a stop-loss factor for further development. Some borrowers simply can not adequately assess their business prospects, including from the point of view of possible cash gaps and the return of credit. Here, of course, we help them in planning, explaining the issues of rational record keeping of the enterprise's activities. As a result, we get a real picture, from which it becomes clear whether the enterprise is able to service the debt, i.e. Bank credit.
There are many such stories. The bank is interested in reliable borrowers and makes every effort to ensure that its customers develop and have been successful. By the way, within the framework of the "Privilege for Your Business" campaign, our clients have the opportunity to refinance third party banks' loans in VTB24 for more favorable interest rate conditions and more convenient debt servicing conditions. You can apply for this promotion until 30 September 2014.
In connection with the entry into force of the law No. XXUMX-FZ, the institution of bank guarantees is actively developing. Guarantees are necessary to secure applications for participation in a tender, auction or tender under a government contract. This product is relevant not only for companies involved in the provision of government contracts. The main purpose of guarantees is the additional security of the interests of parties involved in commercial transactions. They protect small business companies from default on the part of partners. The advantages are not only in stability, but also in the possibility not to divert money from circulation. This is an effective alternative to a loan, which in some cases significantly reduces the cost of a deal.