Crediting as a tool development small business

The article is devoted to the search for tools for the development of small business in modern economic conditions since the low level of development of small business is due to high tax burden; limited financial resources; the difficulty of obtaining a loan; the imperfection of state support for small business forms; administrative barriers. One of the most effective tools for the development of small business in the article is justified lending. In the article, when considering the issues of lending to small businesses, the authors analyzed the line of credit products of Russian banks by major loan products: investment lending, negotiable lending, commercial mortgage for a small segment, as well as refinancing loans. It was revealed that for commercial banks, financing small businesses leads to a diversification of the banking clientele, expansion of the operations provided, attracting more customers to the bank and increasing profits. The analysis showed that in recent years there has been an increase in overdue loans for lending to small businesses, which entails an increase in the number of refusals to lend to small businesses...