СОВЕРШЕНСТВОВАНИЕ ПРАКТИКИ КРЕДИТОВАНИЯ МАЛОГО БИЗНЕСА

Аннотация

This article analyzes the current state of the practice of improving the financial support system for small businesses, in particular, financing them through bank loans. The article highlights the main problems of the existing system - lack of collateral, bureaucratic obstacles, complex processes in obtaining loans, and puts forward scientifically based proposals to eliminate them. It also considers ways to manage credit risks in the activities of banks, expand guarantee mechanisms, and make financial services for small businesses more accessible by digitizing the credit infrastructure. The results of the study show that improving lending mechanisms is an important factor in the development of small businesses. Keywords: small business, lending practice, financial resources, bank credit, credit infrastructure, financial support.