IMPROVEMENT OF THE FINANCIAL AND CREDIT MECHANISM OF SMALL AND MEDIUM BUSINESS OF AGRARIAN AND INDUSTRIAL COMPLEX IN CHELYABINSK REGION

Issue № 5, 2016, article № 10, pages 68-73

Section: Problems of efficient management

Language: Russian

Original language title: СОВЕРШЕНСТВОВАНИЕ ФИНАНСОВО-КРЕДИТНОГО МЕХАНИЗМА В АПК В ЧЕЛЯБИНСКОЙ ОБЛАСТИ

Keywords: SMALL AND MEDIUM ENTERPRISES (SMES), FINANCIAL-CREDIT MECHANISM, SUBSIDIES, INFLATION, LONG-TERM CAPITAL, BORROWED FUNDS

Abstract: Small and medium business makes a huge contribution to development of economy of regions and the country in general. The conducted researches have allowed allocating the problems constraining improvement of the financial and credit mechanism of small and medium business. According to experts crisis processes in economy have seriously aggravated problems of agrarian sector from which are distinguished by the author: food inflation, high rates on the credits, the arrears size, and growth of cost of import production. Attempts to make the enterprises of small and medium business successfully developing in agrarian sector aren't as effective in practice as plans the state. Lack of adequate models of management and the effective financial and credit mechanism of impact on small and medium business aggravates a problem of his development. Small and medium business today is in dire need of access to long secure by state guarantees of the money, at reasonable rates no higher than 5-8‰ per annum. Only this gives you the opportunity to engage in efficient import substitution and the upgrading of industries, and will also affect the improvement of financial-credit mechanism.

Authors: Rubaeva Olga Dmitrievna, Kachurina Ekaterina Petrovna