Business crediting: the risk is how much great?
In Russia average and small-scale business crediting still is not very developed yet though many banks see in it quite good enough prospects. However many banks are not ready to render yet such services, because such crediting - the big risk for bank. For this reason procedure of reception of the credit for business difficult enough also demands granting of a considerable quantity of documents. The obligatory package of documents includes today: questionnaires of guarantors, the reporting for the certain period (2 quarters), constituent documents, and also copies of contracts with big clients.
For last some years the volume of the credits which are given out to businessmen, has grown almost on 80 %, however is far not each owner of own business hastens to take advantage of this service, referring on complexity of procedure. Experts notice, that the reason actually in other: businessmen do not wish to open all information on own business, and without it to receive the credit it is impossible. While in Russia the business most part will be informally conducted, business crediting will be accessible only to the little.
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