Estimation of the efficiency of the mechanism of bank crediting subjects of small and medium business

This article is devoted to the problem of the effectiveness of the mechanism of Bank lending to small and medium-sized businesses in Russia. The main purpose of the article is to determine the current state and assess the effectiveness of the mechanism of Bank lending to small and medium-sized businesses. During the analyzed period, there was an increase in the volume of loans to small and medium-sized businesses against the background of lower interest rates on loans, the total volume of increase in the loan portfolio of small and medium-sized businesses increased by 10%. Nevertheless, the update of the register of small and medium-sized businesses has led not only to a reduction in their number, but also to a deterioration in the quality of the loan portfolio, accompanied by an increase in the share of overdue loans in the total loan portfolio of small and medium-sized businesses. The most important element of the mechanism of Bank lending remains state support for small and medium-sized businesses. Programs of state support for the development of small and medium-sized businesses are widespread among credit institutions. The results of the evaluation of the effectiveness of the mechanism of Bank lending indicate its insufficient effectiveness, in this connection, an attempt was made to develop possible ways to improve the efficiency of the mechanism of Bank lending to small and medium-sized businesses.