Assessment of the level of interaction between banks and small and medium-sized businesses in the lending process (on the example of the Irkutsk region)

The article examines one of the most important modern problems of the development of small and medium-sized businesses - low availability of bank credit, characteristic not only for the Irkutsk region, but also for Russia as a whole. In dynamics, such indicators of bank lending to small and medium-sized businesses in the Irkutsk region are studied as the total amount of debt on loans, including overdue debt on loans, the proportion of overdue debt in the total amount of debt on loans, the level of the debt burden of entrepreneurs. A methodology is proposed for assessing the level of interaction between banks and small and medium-sized businesses in the lending process in the region based on the calculation of a complex indicator using the taxometric method. Conclusions are drawn about the possibilities of practical application of the proposed methodology.