19.05.2015 21:19
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Tuesday, May 19, 2015
The fall of the market for lending to small and medium-sized businesses in Russia: more worse? – IA REGNUM
In the first quarter of this year, the credit market for of small and medium-sized businesses badly damaged: the volume of loans granted to SMEs fell in comparison with the same period last year more than a third, told the news agency REGNUM , Vice-President of the National Institute for System Studies of Entrepreneurship Vladimir buoys.
According to him, as investments in the sector have failed catastrophically, the contracting bank lending to small and medium enterprises, mainly fills the working capital sector (short term goals) and “refinances” earlier loans. “It shows statistics and the Central Bank – the decline of lending to SMEs for investment purposes – more than 50%. This year continues to increase the delay on the part of the SME sector (which is growing in the last 2 years). And this trend during the year is likely to be strengthened. Over the year (February last February of this year) has decreased the size of the total loan portfolio of the SME by 7.5%, “- said the buoys. He noted that the folding segment – mostly not a problem of demand, and challenges offer (expensive liquidity, reducing funding for banks). The uncoated part of the demand moves to shadow market segments, small business becomes more and more shadowy, though “more” and have no place.
According to Vladimir buoys as the SME sector – the most “sensitive” part of the economy, the trend is very negative “Against the background of” skukozhivaniya “small Russian economy increasingly enhanced features of state-monopoly capitalism».
It should be reminded about the deterioration of the situation with lending to small and medium-sized businesses in Russia and said the National Bureau of Credit Histories. As it turned out, the volume issued in January-March 2015 loans decreased compared to the same period last year by 36.2% and amounted to 1.17 trillion rubles – that is, turned out to be at the level of performance in 2011. The portfolio of debt on the basis of the first three months of the year amounted to 4.84 trillion rubles. Since the beginning of 2015 it has lost 5.4%, or 277 billion rubles. In the first place, this reduction is due to the weak dynamics of new lending: a large part of the loans outstanding on the market – short-term, for up to 1 year (for this category by the end of 2014 accounted for over 70% of the issue), so slowing the flow of new loans almost immediately affects the size of the portfolio.
The volume of overdue loans to SMEs has been growing steadily since the beginning of the year: according to the Bank of Russia, he added almost 3 months 60 billion rubles and 454 billion rubles is or 9.4% of the portfolio (1.7 percentage points since the beginning of the year). Hardest reduced level of payment discipline in the Northwest (the share of overdue loans added 3.25 percentage points and amounted to 11.7%) and the North Caucasian Federal District (2.63 percentage points and amounted to 11.3% ). Further growth is expected to further arrears.
The largest decrease issuing new loans to SMEs in the sector was loans for business development (-55.15% compared with the 1st quarter of 2014). At the same time loans for working capital issued for 7.54% more than in the same period last year.
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