THE POSSIBILITY OF USING INTERNATIONAL EXPERIENCE IN MICRO-CREDIT FOR SMALL AND MEDIUM-SIZED INDUSTRIAL ENTERPRISES

Abstract

Purpose of the study. Increasing the availability of funding for small and medium-sized enterprises of the industrial sector put among the most important tasks of economic development as the leading developed countries, and developing countries. In connection with the above, the purpose of this article is to study the micro-credit as an efficient mechanism to stimulate the development of small and medium-sized industrial enterprises and analyzing the possibility of using foreign experience in improving the process of micro-credit to stimulate their development.Research Methodology. The study was conducted on the material of publications on various aspects of the microcredit industry small and medium businesses, including international experience in micro-credit for small and medium-sized industrial enterprises.The article analyzes the functioning of the various models and micro-technologies, disclosed interoperability of commercial banks and microfinance institutions (MFIs) in the framework of country-specific microcredit models, and formulated the immediate tasks and activities of the government and regulatory authorities of the Russian Federation aimed at improving the financing of small and medium-sized industrial enterprises.Sounding the findings suggest that the funds to support small and medium-sized industrial enterprises should be more actively attract private investment in the implementation of industrial and innovative development of their projects. In this case, the intensification of financial-credit and investment support to small and medium-sized industrial enterprises, integration and optimization of the different sources of financial resources create favorable conditions for their access to financial and credit resources, and improvement of financial and credit support mechanisms will enhance their responsibility for use granted resources and contribute to their development. At the same time, the main focus of the use of public resources should not be the selection of direct investments, and insurance and the provision of state guarantees for loan repayment.The article is addressed to specialists in the field of financial and credit relations, persons engaged in entrepreneurial activities, as well as everyone who is interested in this subject.

Keywords

• микрокредитование
• микрофинансирование
• малые и средние промышленные предприятия
• микрофинансовая организация
• модель микрокредитования