Mechanisms for providing preferential credit terms as preferences for companies – leaders of the "ECG Rating"

The author conducted a study of the experience of commercial banks in providing preferential lending terms to business entities guided by the principles of sustainable development in their activities. The purpose of the work is to study the existing experience of including Russian banks in promoting the topic of sustainable development; to formulate recommendations on the use of advanced foreign and domestic experience of preferential lending to companies focused on sustainable development, taking into account the results of the EKG rating – an integrated assessment of the business reputation of enterprises and the degree of their social responsibility to the state and society in terms of focus on the goals of sustainable development. The study analyzed the scientific literature, considered the prospects for the development of preferential lending as a mechanism for creating effective incentives for responsible companies, including those occupying high positions in the EKG rating. The problems associated with the use of financial support mechanisms for companies – rating leaders are identified, recommendations are presented on the formation of a system of priority (preferential) lending terms by credit institutions taking into account the compliance of clients with the principles of responsible business.