Russian Federation
The article analyzes economic situation and financial status of medium-sized business. Modern mechanisms for financing small and medium-sized businesses are analyzed. As part of the analysis of the funding structure, a combination of government financing channels was traced with the dominant participation of the SME Corporation and its partners, with the supporting resources of the Bank of Russia, internal business and resources of the credit and stock market. An adjustment to industry lending priorities with the leadership of scientific, technical and construction small enterprises as the main recipients of support and financing is presented. The need for emphasis on financing innovative investment projects in small and medium-sized enterprises is noted. Lending to microbusinesses as a promising niche for SMEs is separately considered. The risks, opportunities, and prospects of microfinance organizations as a promising subject of SME financing, competing with banks, are presented. It is proposed to improve the lending structure, expand medium-term Installment loans, specialized products in the form of microfactoring, and loans for production modernization. Particular attention is paid to the development of the platform services market as a channel for collective financing of development projects for small and medium-sized businesses.
medium-sized business, financing, government support, project approach, bank lending, microfinance, platform services
1. Nacional'nyy proekt «Maloe i srednee predprinimatel'stvo i podderzhka individual'noy predprinimatel'skoy iniciativy» // Ministerstvo ekonomicheskogo razvitiya RF [Elektronnyy resurs]. — URL: https://economy.gov.ru/material
2. Pri podderzhke MSP Banka malyy i sredniy biznes privlek na birzhe bolee 8 mlrd rubley // Ministerstvo ekonomicheskogo razvitiya RF [Elektronnyy resurs]. — URL: //https://economy.gov.ru/material/news/pri_podderzhke_msp_banka_malyy_i_sredniy_biznes_privlek_na_birzhe_bolee_8_mlrd_rubley.html
3. Mishura A.V. Kak bankovskoe kreditovanie vliyaet na malyy i sredniy biznes? [Elektronnyy resurs] // Voprosy ekonomiki. — 2024. — № 8. — S. 68–88. URL: https://doi.org/10.32609/0042-8736-2024-8-68-88 EDN: https://elibrary.ru/SNLQJY
4. Bank Rossii. Kreditovanie sub'ektov malogo i srednego predprinimatel'stva Statisticheskiy byulleten'. 2025 [Elektronnyy resurs]. — URL: https://www.cbr.ru/Collection/Collection/File/55023/stat_bulletin_lending_24-11_54.pdf
5. «Sravni»: malyy i sredniy biznes v 2023 godu zaprosil 163 mlrd rub. kreditov. [Elektronnyy resurs] // Kommersant. 2024. 24 yanv. URL: https://www.kommersant.ru/doc/6466487
6. Statisticheskiy byulleten' Banka Rossii. — 2024. № 12 [Elektronnyy resurs]. — URL: https://www.cbr.ru/collection/collection/file/54999/bbs2412r.pdf
7. Federal'nyy zakon «O vnesenii izmeneniy v otdel'nye zakonodatel'nye akty Rossiyskoy Federacii. Prinyat Gosudarstvennoy Dumoy 18 oktyabrya 2022 goda. Odobren Sovetom Federacii 19 oktyabrya 2022 goda.
8. Svodnyy indeks SPARK-Interfaks «Vysokiy risk». // Naibolee uyazvimye otrasli dlya kreditovaniya MSP [Elektronnyy resurs]. — URL: https://spark-interfax.ru/articles/naibolee-uyazvimye-otrasli-dlya-kreditovaniyamsp_27982024
9. Kak banku sohranit' balans riska i marzhinal'nosti pri kreditovanii mikrobiznesa [Elektronnyy resurs]. — URL: https://frankrg.com/news/kak-banku-sohranit-balans-riska-i-marzhinalnosti-pri-kreditovanii-mikrobiznesa
10. Bank Rossii. Tendencii na rynke MFO predprinimatel'skogo finansirovaniya v pervom polugodii 2024 goda [Elektronnyy resurs]. — URL: https://www.cbr.ru/analytics/microfinance/2024_1
11. Bank Rossii. Statisticheskie dannye k obzoru klyuchevyh pokazateley mikrofinansovyh institutov [Elektronnyy resurs]. — URL: https://www.cbr.ru/microfinance/statistics
12. Perspektivnye napravleniya razvitiya rynka mikrofinansovyh organizaciy na 2025–2027 gody [Elektronnyy resurs]. — URL: https://www.cbr.ru/Content/Document/ File/165304/Consultation_Paper_19082024.pdf
13. Vasil'eva Yu.S. Platformennaya biznes-model' v strategii innovacionnoy deyatel'nosti // Menedzhment v Rossii i za rubezhom. — 2024. — № 6 [Elektronnyy resurs]. — URL: https://www.mevriz.ru/annotations/2024/6 EDN: https://elibrary.ru/HKORJS
14. Al'ternativa dlya samyh malen'kih [Elektronnyy resurs]. — URL: Kommersant. — 2024. — 5 dek. — URL: https://www.kommersant.ru/doc/7346763
15. Bank Rossii. Obzor platformennyh servisov v Rossii. Informacionno-analiticheskiy material. Moskva. 2024 [Elektronnyy resurs]. — URL: https://www.cbr.ru/Collection/Collection/File/49243/platform_services_2024-1. pdf
