On January 26 in Petrozavodsk will be held two free master-class from one of the leading business coaches of Russia Igor Dubinnikov.
On this day from 11.00 to 13.00 in the youth Innopark PetrSU (Lenina, 33) held training for youth "do you in the future." On it, participants will be able to know what the future holds for the business in 50 years; how to act in the era of massive globalization, automation and computerization; what skills will be in especially high demand in the era of speed and availability of information; what profession will leave in the past and which will remain in the future; what will change in medicine, energy, construction, education, agriculture and culture.
From 15.00 to 17.00 in the Hall of the Council of the Republic (F. Engels street, 4, 2nd floor) will host a master class for more experienced entrepreneurs "the Power of business models". It will help participants to learn the language of biznesonline that will allow you to look at your business from a new angle, to understand its added value, to develop a new strategy and to optimize their business, to reinvigorate an existing business, find new vector of development, scale and improve its profitability, create new business or to reformat an older model. Well as entrepreneurs to talk about how to create a strong team, invest in people and open staff with new opportunities.
We will note that Igor Dubinnikov is the coach of Technopark SKOLKOVO, has over 15 years of experience as a top Manager responsible for people, creating and developing teams, change and effectiveness. His track record – domestic and multinational companies of up to 50 000 people, including "Power machines", UK "RUKOM", "TGC-1" Gazpromenergoholding, "EnerZ", etc. in addition, he is the author of "Your business idea. To dream and create" training "Someprocedure" of course, "300", the founder of the investment Fund AAA Trust.
Attention! The number of participants is limited! Admission is free. Pre-registration is required! Registration for the master class "the Power of business models" is the link https://3a-trust.timepad.ru/event/645243/ , master-class "are There any of you in the future" - https://leader-id.ru/event/6482/
Event organizers are the Federal program "You – entrepreneur" in the Republic of Karelia, Fund "Karjala", the Public chamber of the Republic of Karelia, Petrozavodsk state University.
Looking for where to invest your money, and your partners, if you have a #business for investment or someone you know is looking for a lot of money in business I will be glad to know the details.
Amount give any decision for a week, without bureaucracy. More help with the details of expertise and contacts, OSes do not climb, the brain does not soar.
What businesses are interesting:
- from the founders this is not the first business was unsuccessful projects in the past
business than 1 year and it is profitable, or will come into profit next year
- revenue from 1 million rubles a month
- money is needed in the trial balance (not the construction of plants/lines, not the purchase of equipment, not capital expenditures, the trial balance only)
- 70% the company generates a turnover in the year, ideally a turnover of less than a month
- business ready to take the money in tranches from 1-2 million rubles
- business in a big market, there are prospects to make revenue from 10 billion rubles a year while not being the market leader
Write on firstname.lastname@example.org in a PM or mail on the website
#money #investment #funding #partnership
The white house issued a decree, allowing to reduce to 6.5% rate on subsidized loans to small and medium businesses. Still loans, "the Program is 6.5" issued by the authorized banks with the approval of SME Corporation under of 9.6% to 10.6% per annum. Now the budget compensates for the difference involved in the SME lending banks to obtain a subsidy will be able and banks issuing commercial loans on similar terms. Experts have called the decision a "breakthrough" and waiting for the peak of the loans in February-March.
The government published the signed on 30 December 2017 Dmitry Medvedev the decree on the rules of subsidizing banks that lend to small and medium businesses under favourable terms by 6.5% per annum. The amount of subsidized interest rates will be 3.5% for small business and 3.1% for the average, the period of preferential investment credit — up to ten years, negotiable — no more than three years. The document almost a year preparing the Ministry of economy in the framework of priority project "Small business" — it is supervised by first Deputy Prime Minister Igor Shuvalov. To obtain a subsidy will be able to banks that have not been funded in the Bank of Russia, and those 49 authorized banks, which already receive funds from the Central Bank and issued soft loans "Program is a 6.5". While "the Program is a 6.5" funds by 6.5% per annum was allocated to banks the Central Bank itself — the SMEs they were at 9.6% to 10.6% per annum. The difference now and will have to compensate credit institutions for the budget. The limit is 175 billion rubles., of which 107 billion rubles has already selected SME Corporation and SME Bank at the end of December 2017.
Concessional loans at 6.5% per annum will be issued on terms similar to the terms "Programs to 6.5", for projects in the priority sectors — agriculture, manufacturing industries, construction, transport and communications, tourism, health care and waste management.
As the head of "OPORA Russia" Alexander Kalinin, the new program is a very popular product, it "contains two mechanisms — funding from the Central Bank and the compensation margin of the banks from the Federal budget, which in the end will allow businesses to receive preferential credit." According to his estimates, limits small business run out already for the first quarter — but we need to relax the conditions to lower the threshold of loans from 5 million rubles to 3 million rubles and expand the list of priorities — to include, for example, logistics. Also the "Support of Russia" noted that the budget of the new programme is less than 1 billion rubles, that is, the amount of lending will amount to 50 billion roubles, that is not enough: "we need at least 150 billion rubles". In General, the "Support" I hope that as a result of the volume of lending to SMEs coming back to the figure in 2014, approaching 5 trillion rubles.
The head of the Center for financial and credit support of the business of "Business Russia" Alexey Poroshin said that the business was waiting for rate cuts: inflation for the year was 2.5%, and reduced the key rate of the Central Bank to 7.75%. "Now good conditions for modernization, launching of new industries, and preferential loans — good support. Many are waiting for lower rates decide to borrow in 2018. You can talk about pent-up demand for loans," he said. Peak lending, he said, will occur in February and March, when "everyone will be able to grab a jackpot, is not exhausted limits". According to the Centre for financial and credit support of the business of "Business Russia", share "Program is a 6.5" in the credit portfolio to SMEs amounted to about 2%, with rates of 6.5%, it can grow up to 3-3,5%, and the proportion of 5% "will be a key task of development institutions in the near future".
© Newspaper "Kommersant" №1 from 09.01.2018
1 Dec at 15:00 (GMT), will be the final online seminar of the course "Discovering a profitable online store".
Lecturer Igor Maslennikov — the owner of several online stores, has 7 years of business experience in the field of e-commerce. His main store Agmashop.ru receives an average of 10,000 orders per month.
The program of the seminar — answers to questions in an interactive format and results of the course.
To join the training by registering at the link.
Universityritet the business of the Bank URALSIB is an educational project, allowing beginners and experienced businessmen for FREE to gain the necessary knowledge to start and grow your business. University teachers - professional coaches and successful businessmen. To date, the "piggy Bank" of the University business for more than 50 seminars. Most of the workshops held in online format. Since the launch of the project, more than 28,000 people visited section of the University, and the number of views of lectures on YouTube has exceeded 14 thousand. The online format allows you to participate virtually from anywhere in the world where there is Internet. To watch all lectures and to participate in the seminars on the website of the Bank URALSIB in the section "business University".
1. Yourself and do not start encumbrances.
To repay loans, get your girlfriend/boyfriend, get married, do not have children, do not go for side projects, not do charity or social work. The next 10 years you will not be up to it. Anything beyond that requires time and money.
Yeah, people say that the family helped them, that without the wife it would not be so - it's all vanilla stories to melodramas. You'll pull this strap alone, people nearby will at best motivate you to concentrate on the home, demanding money, but no one will tell me what to do won't help and won't do your dirty work for you. Yes, there are business partnerships where each brings his own, but "his" first you have 5 years to learn to do.
Get ready for that 10 years you will one plow, so that later, if you will, a lot of people told you how they helped you and asked for money.
2. Pass the medical examination and cure.
The business will suck you to the ground, and then bite the same amount. If you're sick, if you need treatment, if you are unable night not to sleep - do not start a business. He will kill you, literally. Business is a sport for healthy, earning money for future treatment. 10 years you will live in stress, and will be in more stress when you do not succeed. Yeah, right, not "if" but "when".
Once again - business is only for healthy. You will have time and money for sports, healthy food, normal sleep schedule, treatment and doctors. Even on family time will not be (see item 1).
3. Forget about friends
The probability that your friends of the recruitment you will understand tends to zero. You will be stupidly busy. And when you have time, you will realize that you have outgrown your colleagues in recruitment understanding of life approximately as a student - an elementary school student. You will be interested with them a year after launch, and after a year or two, when you realize that the same people you hire, there will be anger that you spend time with these kids, instead of having to build their future
4. Shove away his "expertise" and pride, now you have no one to call you
Your view of the world from the cozy recruitment of similar ideas about the world from the window of his bedroom in pink tones. For the first couple of years you learn a lot about life, people, business and myself. Well if you are lucky and you start a business that you understand, so stress will be much lower.
Get ready for that guys 10-20 years younger than you will be more experienced than you - until you took a Desk in the office and sat at the meetings, they loaded the shovels shit in the real world. They think you're helpless dinosaurs Ponte in suits. Remove the costume and remember the internship in the 3rd year of uni - there you are again, stop thinking about yourself who knows what
5. Start with a simple
Simple is what you already know. Either from work or from life. You have to learn from scratch about 30 different things and skills, so do not complicate the most simple of business will teach you the basics and based on known industry easier to learn other essential business skills.
Yes, the franchise is a good option for you - the money will not earn, but the experience you will get the roof in a much more understandable environment. The main thing to choose the right franchise.
6. Savings - now your middle name.
You'd be surprised how cheap you can do what the corporations spent millions. You can work from home, taxi service replaces the car in the economy class too, there is life, and gugliotta works for free.
Would have to work with your hands, Yes. Direct yourself. Calling clients, going to meetings, doing presentations. If you do not immediately hire the people you do not know anything about your business, you get a large company in miniature, and such mutants can only survive if they are fed with money. And you have no money.
Even if you have millions now accumulated over 10 years you will drive almost anything.
7. Don't think they can change the world
You are not rich enough to save the world. For starters, change your life. Start to make yourself rich. Do not meddle in the venture without the 10 million dollars of their own money not the least. No one will appreciate your contribution to mankind besides Wikipedia, but the family will ask about money every day. Earn money, not glory.
8. Time flies very quickly
Do not meddle in the construction of factories, state projects and other things where you have 3 years to build. Start with sales, since that brings money today, not next year. Even in very fast and marginal projects take years to begin to bring to the shareholders of the sane money. The real big money, if you're lucky, wait 5 years.
Conduct experiments which provide feedback quickly. Try to sell individuals you today and today to know the result. Shopping network or a Corporation will give a sane answer after 6 months - during this time, with physicists already possible to build a process and to generate a profit.
9. There is no turning back
Circus animals that once attacked the trainer - kill. Salaried people, once tasted the freedom of their own decisions - do not take ago. People from the real world lead, make decisions and plan differently than the inhabitants of an anthill. Yes, you do not want to return, except that of hunger.
Entrepreneurship changes the point of view of the world. Or continue to sit in employment or be prepared to go to the end to sit on the middle of the road awkwardly sicker than to go further.
10. Cheer up, everything will pass, you're not immortal :)
At the VI youth business-forum "Growing business" invited the actual practice in our region from agriculture, food industry, retail products and restaurant business. Abide by experts from Moscow. Among them: Oleg Barmin, the founder of the honey businesses Sladko Lipko, one of the brightest businessmen of Russia, the author of the business bestseller "I remember everyone who didn't call me back".
Oleg to share their business experiences, how he went from the packaging and distribution of honey to create your own large apiary. Also on the forum and its case studies to share Andrey Gornov — managing brand agencies Getbrend whose packaging design of food products became the winner in many industry competitions, including abroad. Expert on the development of cityfarmer Anna Vatutin will come from the Western part of Russia, to tell them how to build a farm in the basement, the attic or the kitchen of her home.
The program of the forum will be very interesting and useful as farmers and businessmen, and budding entrepreneur who are eyeing the new market niches.
Whatever was the interior of the restaurant, no matter how professional the staff if many menu items regularly, and yet the products do not allow to achieve the desired taste of the dishes, it is unlikely that this project will be successful. We take a look at the restaurant business from the point of view of the organization of food supplies to the kitchen.
Any manufacturer or supplier of food products knows that in order to get on the shelves of the supermarkets, to take it in a good position and defend profit margins need to go through a thorny path. As at the start achieved and the current market leaders, largely interested in the supermarket, you will be able to learn on the forum from the horse's mouth.
With the penetration of new technologies in agriculture (automation, hydroponics, aeroponika, fluorescent lighting, vertical multi-level farm, technological greenhouses, etc.) their vegetable farm, you can have even in the basement, even in the attic of a house. The result is city farming becomes a strong trend that is influencing the rethinking of the urban environment as such.
The weakening of the ruble gave unprecedented opportunities in this market. The Russian food was very competitively priced. For them, opened a limitless international market. This is felt not only in the Krasnodar and Altai territories, these processes occur in the far East. On the forum you will learn about our local success stories in this area.
The classic problem of farmers from the village - lack of business education and business experience. As a result, for most of them, the only support of the economy - state subsidies. In fact, the city entrepreneur, understanding the market in your city, knowing consumers can be much better to establish a marketing, packaging, and agricultural products. And there are many examples even in Khabarovsk.
"Far Eastern hectare"
Most residents do not understand why they hectares of land, but entrepreneurs know that part of our planet is very limited and therefore very valuable, resource. And if we apply an efficient business model using it, you can make it profitable. On the forum we will introduce you the pioneers in the development of DV hectare.
Registration for the forum!
Program VI youth business forum
The Bank "Russian capital" has launched a new mobile application Business mobile of Kazakhstan for legal entities and individual entrepreneurs. In the new version, completely redesigned and significantly improved the security of the application. Also, there are new opportunities customers can now send statements by email, view account details and send to their counterparties. The application has become more convenient and easier to use, added the ability to call the Bank from the app.
In the RK Business are implemented as mobile information and payment services, including the execution of payment orders, acceptance of payments, sending letters to the Bank. The confirmation happens via a one-time SMS password.
This week at the University of business of Bank URALSIB will be two seminars - "Tenders. How to participate and win" and "Open a profitable online store" (the fourth seminar of the course).
Wednesday, 15 November 2017, join the first online seminar of the University of business of course "Tenders". The seminar will discuss the major myths that prevent entrepreneurs to participate in tenders, and about 12 easy steps to getting government contracts: from analysis of your industry to the organization of work with public procurement.
Teacher of the course "Tenders" - Vladislav Traykov, Director and co-founder of "Rustender", member of the Public Council of the Department on regulation of contract system in the procurement area of the Voronezh region, working in the field of tender sales in 2012.
Friday, 17 November 2017, under online seminars business University held the fourth seminar of the course "Discovering a profitable online store". During the course young entrepreneurs have already chosen the products and services for your business, created the first websites and started with the automation of processes. On Friday we will be talking about how to build a system in the business, and about how, thanks to consistency can lead a normal project to success while freeing up your time for yourself, family and friends.
Lecturer - Igor Maslennikov, owner of the online store Agmashop.ru and service assistance to online stores Agma.pro.
Register for the workshops on the link.
FNS of Russia on 31 October, prepared a letter containing a description of a new approach to business inspections. On the website, on a letter not yet published, but it can be found in the legal system "Garant". New rules due to the entry into force in August amendments to the Tax code, first established signs of illegal schemes of tax evasion. The enforcement of these rules in the performance can lead to turn into practices for the interaction of FTS and business, according to respondents RBC lawyers.
Until August 2017 in the Tax code does not provide clear rules separating legal and illegal methods of tax optimization, and the FTS for evidence of the Exodus of businesses from taxes used the concept of unjustified tax benefit. The concept of unjustified tax benefit was introduced by the resolution of Plenum of the Supreme arbitration court (SAC) dated 12 October 2006. Accordingly, arbitral tribunals examined by the tax authorities collected evidence and determine how they meet the criteria established by YOU.
After the entry into force of the new article 54.1 of the Tax code remained an open question — to what extent the tax authorities will use the rules developed by the Plenum. The answer was: in his letter on bluntly pointed out that the rules reflected in the resolution of the Plenum and developed many years of judicial practice, new tax audits are no longer applicable. St. 54.1 applies to tax returns filed after the entry of the article into force, i.e. after August 19, and on-site inspections and checks completeness of calculation and payment of taxes, appointed after this date.
The main thing — the reality of transactions
FNS called clear base in which the tax claims against the company. The main one is the unreality of the transaction by the counterparty of the first link, that is exactly the counterparty with whom the company contracted. Territorial Inspectorate will pay particular attention to gathering evidence that contradicts the reality of the disputed transactions: to do this, for example, to prove that the obligation transaction executed by another person, and not the fact that a party to the contract or performed a check of the taxpayer.
The letter also noted that the execution of the agreement by another person (not those who signed the contract) limits the right of the enterprise on account of the cost of this transaction. But the transfer of execution of obligations under the transaction will not cause suspicion, if such a feature is initially provided by the contract or allowed by law.
"There are certain Civil code cases, which provide for the transfer of rights under the transaction without the consent of the partner, e.g. assignment," explains the head of the tax practice of the law group "Yakovlev and partners" Ekaterina Leonenkova. In addition, the involvement of third parties can be provided in advance in the contract. But in any case the transfer of rights under the transaction must have a clear business goal, warns the lawyer.
"If on account of contractor the first link receives funds from the sale of materials, and expended from the account funds to purchase bed linen, there is a reasonable doubt that the counterparty has transferred the execution of the transaction to the proper person. Attention will be paid and the terms of the contract. Under some contracts, the counterparty of the first link is obliged to provide services personally. This excludes the transfer of execution to a third party," adds group Director of tax disputes at KPMG in Russia and CIS Anton Zykov.
According to the head of group tax dispute resolution Goltsblat BLP Alexandra Erasova, negative consequence of the use of the new rules will be a substantial increase in assessments for income tax. "Still with real transactions income tax was donachislenie only for the excess of the cost of goods compared to market price. Now the expenses will be fully excluded when calculating the profit tax", — said Yerasov.
To prove intent
The tax office stressed that the audits should be to gather evidence of deliberate actions of the leaders and founders of the company aimed at tax evasion.
For evidence of the intent in the actions of the leaders and founders of the tax inspectors must first identify the scheme of tax evasion. Some of these schemes specified in the letter of the FTS. This, in particular, the "fragmentation" of the business for the application of preferential tax regimes for small business and the use of cross-border operations with the use of "transit" companies.
This list is not exhaustive. "Depending on the nature of the business activities of the taxpayer and the particular circumstances of its operations (transactions) the tax authorities in the course of control activities may establish other circumstances," warns partner TertychnyAgabalyan Marat Aghabalyan.
"If the tax authority can prove intent in the actions of the taxpayer, the amount of the fine will be calculated on the basis of 40% of the unpaid taxes. This is a significant drawback for businesses," says Leonenkova. If tax is not paid due to an error the size of the fine is two times less (20%), she recalls.
The good news is, the letter stated that the participation of affiliated persons in the transaction in itself is not proof of the illegal scheme. Earlier FTS was of the opinion that participation in the transaction affiliates is an important proof of its illegality. According to Agabalyan if this approach will be implemented in practice, there will be a twist in the practice of interaction between tax authorities and business. The participation of affiliated persons in the number of contractors is still almost always considered by the tax authorities as an "aggravating circumstance".
Proving intent to non-payment of tax, inspection was based mainly on the affiliation of the organizations involved in the transactions, confirms Zykov. But the problem is that in determining the number of affiliates, the tax authorities sometimes went far beyond the law. This led to fines, even in cases when the transaction was clearly identified business purpose. "In our practice there was a case when the contractors were recognized as affiliated on the grounds that earlier between them had been concluded long-term loan agreements and lease agreements," says Zykov. The rejection of such practices will positively affect the interaction between business and tax authorities, said the lawyer.
The Central Bank of Russia announced a new project — an online marathon of "Money for business" for entrepreneurs, who want to improve the financial performance of their business and become Champions.
Within two days, 23 and 24 November 2017, the best experts of the Bank of Russia and entrepreneurs will talk about how to raise money to start a startup, what are the best tools to use at different stages of its development how to insure your business and increase profitability.
The speakers will be:
Mikhail Mamut, the Head of Service on protection of consumer rights and ensuring access to financial services
Maxim Faldin, Founder of the online boutique children's brand clothing littlegentrys.ru the founder of Wikimart, attracted more than 100 million dollars of investment!
Students will have a unique opportunity in real time to ask the most relevant questions and receive an expert answer from the theorists and practitioners who know how to work the money for the business.
As gifts after the passage of the marathon participants will receive:
Discounts from program partners
- The opportunity to win a personal business consultation with Maxim by Faldini, which advises such giants as Sberbank, M-Video and others.
- The ability to receive free program novice businessman "head-on" from the project partners.
The event is free to attend you must register on the website http://dengidela.com.
After three "fat" years for the Siberian poultry farmers are in crisis. The price of a chicken egg since January has fallen by a third. Market participants and experts believe that the cause of the phenomenon was the surplus production and lack of exports. Business representatives claim that the majority of poultry farms are now operating at a loss and, as suggested by farmers, the situation can change only the care of individual players.
According to the observations of Rosstat, output producer prices for eggs are at least the last three years. In September, they reached the "bottom" in 29-30 rubles per dozen, and in the early years it was steadily at 45-46 rubles. As reported by "KC", the head of a Siberian poultry farms, the beginning of the year was for business favorably. "The cost of our products began to decline after Easter, — says the market participant. — Seasonal reduction of prices, — a usual thing, but even now, when it seems, the situation should stabilize, this is not happening," he adds.
Peak prices for egg statistics recorded at the beginning of 2016, when the release price manufacturers reached 50 rubles. Now this product is not worth as much even in stores. In retail outlets, according to Rosstat, for ten the national average asking 48 rubles in Siberia — up to 45 rubles. A year ago the price of eggs in networks was at the level of 50-55 rubles.
Commercial Director of the holding company "the Siberian giant" Olga Zanina draws attention to the fact that the number of poultry farms, offering eggs, increased. "We as a local network, working with local producers. Since the beginning of the year were added another provider, says Zanin. – Federal network to buy the egg, including in other regions and, consequently, it competes with poultry region. I can say that prices have fallen significantly, both on a regular basis and in a promotional period. If in the past we begged to give us a discount, now, in principle, no problem, can get their desired price," she says.
From the fact that prices fell due to surplus of production, agree and business representatives. "2013-2016 showed very well, both from the point of view of demand and pricing, is why some poultry farms have greatly increased the volume of production, — says the market participant. At the same time, the competition of the Siberian producers of eggs are, to a greater extent players from Central Russia.
"Against local producers has been played by the growth of networks of chains. They are now working on the tender system: can purchase the egg in the Urals, Moscow and Leningrad regions. It was there that poultry largely increased production volumes. Meanwhile, the current prices allow them to cover the cost of the transport chain," says a birder.
According to the expert of the Institute for Agricultural Market studies Daniel Khotko, the market for chicken eggs is growing steadily in the last five years, as in Russia in General and Siberia. "In the Siberian Federal district in 2013, made 5.1 billion pieces by the end of this year the egg production is expected to reach 5.6 billion units, — cites the expert. Respectively, an increase of about 10%. This is a fairly high rate given that the population is growing much slower. The export of eggs is currently virtually absent, so the increased supply, of course, presses on the market," he concludes. The source KS also adds that after the last five successful years, the pace of growth has accelerated due to the fact that many companies have made additional investments.
The expert of the Institute for Agricultural Market studies Daniel Khotko said that the market for chicken eggs is growing steadily in the last five years
A leading producer of eggs in NSO is Evsinskaya PF member of the Group of Companies "the Novosibirsk integrated Poultry farm" (NPF). The release of the egg, according to the Institute for Agricultural Market studies, the company is estimated at 310-320 million pieces per year. In addition to Evsinskaya, the Group also included Agrofirma "Lebedevskaya" engaged in the production of eggs and meat. While it is currently implementing the investment project reconstruction of poultry houses on Evsinskaya PF that will allow the company to increase production to 515 million units per year.
The second largest producer of eggs in the region – agrokholding, ZAO PF "October", which produces about 350 million pieces of eggs at several sites (new-Baryshevsky, Kargatskiy). The third largest player is the Poultry factory named after the 50th anniversary of the USSR, a member of the Federal holding "PRODO". Its capacity is 300 million pieces per year. Also on the market of Siberia are widely represented products of CX, JSC "Belorechenskoe" (Irkutsk oblast), which produces 631 million eggs, JSC "Kuzbass integrated poultry farm"(Kemerovo region) — 270 million eggs. Approximately comparable amounts works JSC "Poultry farm "Komsomolskaya" (Altai Krai). Somewhat smaller amounts at the Poultry farm "Tomsk" (part of the Siberian Agrarian Group).
General Director of Agroholding JSC Poultry farm "October" Oleg Podoima said the "COP" that today, many poultry farms are forced to operate at a loss. "To reduce the amount companies are not profitable, because this would entail higher costs, he explained. — The market will recover only if someone leaves. So in the coming years we can expect the number of bankruptcies in the industry," — said Podoima.
The source "x" represents one of the Siberian poultry farms, in contrast, believes that bankruptcies will not. "Many enterprises today are holding companies, respectively, risks from lower yield one of the business segments to compensate for other directions," he says. The entrepreneur hopes to improve the state of Affairs in the industry can support.
Analysts say that the crisis situation in the market of broiler meat. "It can be considered an effect of saturation. When there are no export alternatives when you cannot bring products abroad, the only way to sell it to lower the price in some reasonable range, says Daniel Khotko. It's hard to say how soon the situation on the market of eggs and broiler meat stabiliziruemost. So prices have leveled off, some players must leave," he concluded.
Traditional business responds differently to the emergence of new technologies and the resulting models. Some companies successfully catch the wave, others try to restrain her, others simply withdraw from the market.
Digital technology and the resulting new business models have left behind thousands of entrepreneurs in different sectors of the economy. An illustrative example of the tourism industry survived the digital revolution one of the first. Today, 20% of Russians prefer to book tickets online, 12% of the hotel, and these figures will grow, according to a study by the international consulting company McKinsey, "Digital Russia: the new reality". In the United States in the mid 1980-ies there were 46 thousand agencies for the sale of tickets, now there are only 13 million — such data leads the Institute for emerging markets studies at the business school "SKOLKOVO". Technology, according to the authors of the report, the closer the market to the state of "perfect competition" when buyers owning a large amount of information, take a rational decision.
"Offline business is becoming less competitive, traditional industries are moving in the Network. It is impossible to imagine retail without an online store, an airline — without online booking system, and the role of non — banks," - said General Director of macroregion "Moscow" company Tele2 Igor jijikin.
Traditional business embarked on the path of digitalization in the early 2000-ies. Then the large Russian companies began to automate activities and implement information support business analysts McKinsey. Percentage of organizations that have implemented ERP systems (Enterprise Resource Planning) that permit to optimize resources and processes in the enterprise through applications from 2010 to 2015 was increased 1.8 times. Percentage of organizations that implemented CRM systems (Customer Relationship Management) to build new technological relationships with customers, increased over the same period by 2.4 times. Almost two times increased the share of organizations using electronic data interchange between their own and external it systems. Leaders of introduction of new systems of interaction with customers, financial management and procurement, operations management and production in Russia, steel, telecommunications companies, financial sector and education.
"Universities are using technology to increase the efficiency of their internal work and to develop new areas of teaching and research," said the Vice-President, head of Department of innovation management of HSE Igor Agamirzyan. According to him, in recent years the HSE have implemented almost all the classic corporate and educational technologies — from electronic documents to LMS — learning management system.
The growth of small and medium
However, in the whole country the number of companies using ERP and CRM, according to McKinsey, is not more than 10%. "This may indicate that medium and small enterprises slow to adopt new technologies," say the authors of the report "Digital Russia: the new reality".
According to the General Director of the service "My warehouse" Askar Rahimberdiev, indeed, "about half of small businesses still do business "in a notebook". "Big businesses are trying to prepare for the changes in the market, and small business owners clutching his head at the last moment," he laments.
However, a growth of 50% in the year to the companies — providers of digital technology can enable SMEs seeking to go digital. Here the pioneers are the companies e-commerce sector. And thanks to government regulation, such as the introduction of online cash registers in trade, the interest in digital solutions has the and offline retailing.
According to General Director of "My business" Sergey Panov, over time, the business will assess new opportunities: "Cloud services allow us to collect and analyze the data and make them on the basis of sound business decisions. They create a unified information field within the company and between contractors and subcontractors. All this frees the owner from unnecessary activities and streamline costs."
However, digital transformation is not just technology, but "changing the organization to enable it to take advantage of new technologies" from the creation of a new consumer experience, new production processes to completely new business models, according to a study by the international school of management MIT Sloan.
The consumer's right
One of the effects of the technological boom and the digitalization of consumer experience has been the development of new forms of trade and property relations, the economy of sharing, or the sharing economy (from the English. share "share"). The reorientation of consumer behaviour with the acquisition to sharing, exclusion of intermediaries from the chain of "customer — contractor", strengthening the role of online reputation and community self-regulation to ensure the quality of services revolutionizing the way business model in many areas, said the President Media and communications Union (ISS) Pavel Stepanov.
Director, Center of financial technologies "SKOLKOVO" Foundation Pavel Novikov. Photo: Sk.ru
A common vector is: the consumer refuses the additional cost of the right to possession of something, particularly real estate or car. Our products and services provide specialized sharing platform. More than 80% of Russian Internet users are willing to use the services of online sharing, cites a survey of public organization Internet users ROCIT. 73% believe that sharing services is more profitable classic buy: they can save you money on maintenance and maintenance of its own property (it is an advantage appreciated more than 60% of respondents), eliminates the need to purchase (83%), give freedom (48%) and saving time (36%). Active users of the sharing economy in Russia, according to ROCIT are 25% of users. However, the majority of respondents believe that the further development of share services, they will be more likely to use them.
The consumer ultimately wins, says the Director of the Center of financial technologies "SKOLKOVO" Foundation Pavel Novikov: "a Traditional business under pressure — the hotels are cheaper, the cab ride, too, long-term use goods are purchased less frequently, and by improving utilization of existing resources, less harm to the planet."
It is necessary to share
The number of rooms offered on the site was founded nine years ago, Airbnb, already exceeding the total number of rooms three of the world's largest hotel chains, appeared in the first half of the twentieth century.
The center of power shifted from the owners of the physical assets and intermediaries to it platforms, whose main competitive advantage — the software and access client. "Services such as Airbnb Booking.com and Uber, can improve the utilization of assets (housing, taxis, cars, etc.) providers connected to these platforms. This significantly reduced the possibility of exploitation of assets for owners who are not represented on such digital platforms," — noted in McKinsey.
The companies engaged in the field of sharing economy, there is no purpose to replace the service providers: on the contrary, they help to improve the quality of services and their consumption with the help of technology, says the head a press-services "Yandex.Taxi" Vladimir Isaev. Technology reduces idle run, and it helps to keep low tariffs for the users. "We cannot say that such companies are just an intermediary between the two parties. To business lived and developed, it is necessary to expand the geography of presence, to create and maintain a technological platform that will help the audience to communicate with each other online, place orders and write reviews," shared the basic principles of business share in a press-service.
Conservatives from business
According to Igor Jijikine, Schering-economy is not a bigger threat than any other change or market models of consumer behavior. However, resistance is the first reaction of traditional business to any changes. Although companies have the sense to feel and assess relevant trends, to diversify business and seek new sources of growth.
In the meantime, bankers, hoteliers and taxi drivers — all those who most strongly felt the pressure of the new economy worldwide, actively resist the innovation. Their unions are trying to restrict or even prohibit the activities of Schering-startups and at the legislative level. In Bulgaria and Denmark Uber, for example, was banned after only a week of work in France after a series of protests the authorities of Paris ordered the service to pay compensation to the National Union of taxis and fined the company for illegal provision of services and hiring non-professional drivers. The Uber app banned in Vancouver and Rio de Janeiro. In Japan, due to actions of the regulator the use of the service is simply uneconomical. The authorities of Berlin and Barcelona are struggling with online platforms to rent (such as Airbnb and HomeAway), banning short-term rental.
In General, the Russian market, according to the Director of RAEC Sergei Plugotarenko, is an exception — here the economic model shared virtually unopposed. "Digital platforms are better at consumer protection than state regulation. Traditional businesses are resisting simply because the sharing economy is destroying their oligopoly business model," he says. The greatest pressure when you have markets with high entry threshold, low competition and huge regulatory burden.
Indicative from this point of view, the financial services industry. At the initial stage of development the system of instant payments, for example, is almost not regulated, and new operators of these services ("Yandex.Money" and "QIWI Wallet") had serious advantages over banks: they don't need to take statements and to comply with all requirements of the regulator. In the end, the banking lobby forced legislators to "restore order" in the sector. That in the near future withdrawals from e-wallets can be banned, said recently, Prime Minister Dmitry Medvedev.
However, young companies see a new trend of rather unique opportunities for development. "Thanks to the sharing reduces the barrier of entry to many markets. A budding entrepreneur no longer requires huge startup costs. Instead of buying fixed assets and to invest huge funds in infrastructure, you can hire and outsource," says the founder of the company StarSmile Vladimir Lutsenko.
According to forecasts by PricewaterhouseCoopers (PwC), the turnover of the global market shared only by the five key sectors (travel, car sharing, p2p financing, audio= and. and services) will grow by 2025 to $335 billion, According to a PwC study The Sharing Economy, in 2014 it amounted to $15 billion. the Main audience Schering-companies — people aged 25-44 years, those who will form the core of the economically active population worldwide.
The economic crisis and stagnation in recent years has led to a sharp increase in demand for franchise Siberian companies. According to the Russian franchise Association (RAF), Siberian franchisors are some of the most successful in the country. For some of them selling franchises — an additional business development tool, for others — the main source of income. And those and others focused on the continued growth of franchise business in the market of Russia and CIS.
"The franchise market in Siberia was very dynamic, especially in cities such as Novosibirsk, Irkutsk, Norilsk, Krasnoyarsk, Omsk and Tomsk,— says the President of the RAF Agnessa Osipova.— Companies from Siberia occupy five positions in the Forbes ranking of "the 25 most profitable franchises in Russia", which in comparison with last year, the largest increase points". It's Novosibirsk-based company is a delivery service SDEK, a network of service stations, "Camry", a network of coffee houses Traveler's Coffee, electronic 2GIS directory and manufacture of heavy-duty coatings with mirror-like Shine Unibrait. An impressive result, given that Siberia is home to only 24% of the population, according to MS Osipova, "brings the region into the leaders of the Russian franchise".
Two of the five franchises rating — "Camry," and Unibrait — production company. "This is very important because, according to the RAF, among the companies developing for franchising to categories of production include not more than 4% of the total. Manufacturing is a complex business that requires innovative development, introduction of modern technologies, good knowledge of market conditions and market capacity," says Agnessa Osipova.
In the RAF I believe that the economic instability played in favor of franchising. Successful cooperation with strong brands has become one of the entrepreneurs effective business development tool, but for others — the basis for his full conversion to the development of franchising. Reduction of risks at the start, lengthening the life cycle of the business, synergy creative and business potential partners franchise network provides a powerful growth of the middle class, says Agnessa Osipova. "A positive result of some employers motivate others, a chain reaction begins. The more franchise offers concentrations in one region, the more people want to try their hand in business of this format. Best advertising franchise is the rate of achieving breakeven point and positive feedback from franchisees, which are a powerful argument for other entrepreneurs," she said.
The number of successful franchisors in Siberia are dozens of companies — from selling coffee to multi-billion dollar business. To the latter, for example, the company "2GIS". "Franchising is a major tool for territorial development "2GIS". Most of the offices are open on this model. Since almost all major cities in Russia, we have already covered, now the main vector — the launch of projects in the CIS,— says Director of franchising of the company "2GIS" Sergey Work.— However, we do not pursue quantity of new points, it is important to find partners that can support the product in its territory and with our support to achieve good commercial results."
This year the company launched a map and guide 2GIS in Shymkent and Aktau (Kazakhstan). In 2016, the volume of advertising sales in the "2GIS" amounted to 4.7 billion rubles, with half of the sales volume in Russia and the CIS generated a franchisee, half — owned stores. "Buying a franchise, various businessmen, the main thing for us — the partner must be ready to give the project the time and attention. 2GIS — this is not a story about "invest and expect a profit." The success of the project largely depends on how actively the owner participates in the project and uses the offered tools," explains Sergei Work. The cost of the franchise "2GIS" depends on the size of the city. Total cost of franchise to open the local office of 2GIS advertising, building a base of advertisers for the withdrawal of the project in the profit of Mr. Vurim estimated at $300 thousand for the average city. About two and a half years, requires franchisees to display in the profit and five years for a return on investment.
For one of the Russian leaders on manufacture of biologically active additives (BAA), ZAO "Evalar", whose headquarters and manufacturing facilities are located in Biysk, selling franchises is a way to expand distribution channels of products and bring to market new brands, as franchisee, under the terms of the contract must have the entire range of products of "Evalar". "Today, the share of BAD does not exceed 5% in the chemists — it is very small. The situation is exacerbated by the concentration of pharmacy chains. This complicates the promotion of brands in pharmacies with mounting marketing costs, there is a narrowing of the range, as pharmacy chains interested in highly liquid positions with high turnover," says the Chairman of the Board of Directors of ZAO "Evalar" Natalia Prokopyeva.
Currently, the number of pharmacies operating under the brand name "Evalar" has reached 122 in 26 regions of the Russian Federation. "Current and 2016 showed the most dynamic growth of the network, which increased by more than 100%. For example, in 2017 under the brand "Evalar" went to 13 pharmacies. The majority of the holders of the franchise is a regional pharmacy",— says Natalia Prokopyeva. Lump-sum payment for the franchise is 5 thousand rubles., a royalty of 0.1% of sales. The cost of registration of a trade hall is 100-300 thousand rubles. "With the average sales ROI is about six to eight months," adds Ms. Prokop.
As told to "the economy of the region," Director of public relations of group of companies "Footwear of Russia" Natalia Pauli, franchising allows you to expand the geography of sales and markets, "go to those cities in which "Obuv Rossii" has not yet developed its own network". In the first half of 2017 GK "Footwear of Russia" has opened more than 50 partner stores in Russia.
The current economic situation favors and Fit Service company (headquartered in Novosibirsk), developing franchise auto service business. "Crisis phenomena in the Russian market led to the fact that many customers of the dealer stations are moving away from them due to high prices and following the hierarchy of the independent garages are not always able to provide normal service. Independent garages, who are in a situation of crisis, start looking out for themselves. At the junction of these two phenomena, our proposal for the franchise gets to the point and demanded",— says the head of the network Fit Service Danil Solovyov. Since the beginning of the year, the company has opened in Russia on franchise 56 service stations, therefore the network has grown to 82 stations in 33 cities. According to Mr. Solovyov, 70% of buyers of the franchise — joining-care centers, 30% — investors who come to this business from scratch.
During the year the cost of the franchise Fit Service decreased from 500-750 100-250 thousand RUB thousand RUB over "We made it a rule to double the number of services annually. And to capture the still empty market, we have reduced the cost of the proposal. This has allowed us to attract more potential customers. In June, we signed 69 new contracts," says Danil Solovyov. The average return on investment of the franchisee in the opening of the points he estimated at 18-24 months.
Especially noticeable on the franchise market of the Siberian restaurateurs. "Now there is a lot of interesting restaurant projects, including fast food and fast casual, but, unfortunately, most of them are closed, as competition in this segment is high. Franchise same — it's at least the experience provided in a single system, easy to operate, explains managing partner of the restaurant chain New York Pizza Yevgenia Golovkova.— Over the past 15 years we systematized the processes of interaction with the franchisee, there is a ready solution to the problem is to daily business management". With the beginning of the year, the company opened three franchise restaurants. The cost of the deductible NYP — from 600 thousand to 1 million rubles depending on the format. The company also takes a 4% royalty and a 2% fee for marketing. The cost of opening a restaurant takes 8-12 million rubles, the expected payback period is three years.
"Today, revenues from franchising activities are in the main, we are only at the beginning. The administrative structure necessary for the development, quality control and service in restaurants as a franchisee, marketing support — all this requires quite costly," says Yevgenia Golovkova.
If NYP franchising — important, but still one of the tools development for the company "FUD-the master" that develops fast food restaurants "Fork-spoon", is the main. "We want to use the current market situation. Today is a good day for active sales of the franchise. There are many potential investors who are looking for options for the right investment. Interest on deposits are falling, to keep money in the Bank as "under the mattress" unprofitable"— lists the favorable factors for their business, the General Director of the company "FUD-the master" Ilya Serov.
In 2017, the company "FUD-the master" has opened five restaurants in Chita, Novosibirsk, Ekaterinburg, Ufa and Nizhniy Tagil. "Among the franchisees are experienced restaurateurs and investors who have not previously had a relationship to food. For example in Chita we opened on the site of the restaurants of the local network. The owner decided to work with a "Fork-spoon" is much more profitable than to continue their own project. In Novosibirsk with us this year, working partner, which the restaurant first," says Ilya Serov. Investments in the project amount of 9 mln RUB and repaid on average within two years. Lump-sum payment for the year increased from 800 to 900 thousand rubles. the calculation of royalties depends on the financial result of the restaurant and is 3-5%. Due to the sale of franchises profitability of the company "FUD-the master" from the beginning of the year increased by 24%.
One of the Champions by number of establishments opened under the franchise, the first year is the Novosibirsk network of coffee houses "the Cheerful day." As told by co-founder Alex balkin, monthly franchise opens three to five stores, the total number of points reached 168. "We work in the segment of micro business on the day of opening enough 500 thousand. So market conditions are loyal to us",— says Mr. balkin. The most sought-after offer for the franchisee's worth 490 thousand RUB Over the money the partner receives a turnkey coffee shop. The average payback period of the franchise "Cheerful day" is about six months.
"Over the past two years have closed less than 10% of coffee shops opened by our franchise. These figures are significantly lower than the close of business of catering the national average. We don't sell a franchise without first evaluating and approving is not the place where you plan to open a coffee shop. This allows you to minimize the risks to our franchisees," says Alex balkin.
According to Agnessa Osipova, the franchise market "in the near future is expected to double the growth and improvement of reliable legislative support." "Prospects of development of franchising in Russia, I firmly believe, the most brilliant. Russia is already among the top-10 countries by the number of jobs in franchising. The number of people employed in such enterprises exceed 500 thousand people, ahead on this indicator such countries as Italy, Spain and Australia— said the head of the RAF.— We see high interest in the development of this format of business and entrepreneurial enthusiasm for the development of franchising concepts. Confident that this synergy will result in the Siberian regions to the growth of franchising, outpacing the average 15% in the country." In her opinion, the greatest potential of development in the franchise business in the medium and small settlements of Siberia, where it is still poorly represented.
I see great potential for the growth of your business and participants of the Siberian franchise in the market. All respondents "transition region" Siberian entrepreneurs developing business through the sale of the franchise, announced ambitious plans for the development before the end of this year and in 2018. "This year we plan to finish with 115 stations. A large number of people signed contracts with us, a huge number of stations is in the process of opening. Until the end of the year we plan to open 8-10 services on a monthly basis. And 2018 we are planning to finish with 230 services," said Danil Solovyov. "This year we plan to open another three restaurants New York Pizza, including one franchise in Barnaul. In 2018, implement a minimum of ten projects, seven of which were franchise", says Yevgenia Golovkova.
And the company "FUD-the master" is expected before the end of the year to increment "at least ten restaurants." "Next year we plan to open at least 20 restaurants, and by the beginning of 2020 — to create a network of 100 institutions,— said Ilya Serov.— The requests are coming from different cities of Russia, including Moscow and Vladivostok. After participating in the exhibition Buybrand Expo 2017 franchise in partners from Belarus and Kazakhstan."
In October 2017 the University of business of URALSIB Bank held the first offline seminars, now teaching at the University is available not only on the Bank's website, but in the format of face-to-face lectures.
In October in Moscow, events were held at the site of the coworking center "Atmosphere". Topic offline format was chosen the most popular, collected online most views. Seminar on "How to prevent errors on startup" spent Grigory Galitsky, the owner of the company "GC FIN" having behind shoulders a wide experience of start-up business. Gregory spoke about the important nuances of starting a business. At the second workshop "How to promote your business online," marketing Director of the company LPgenerator Daniel Bazhenov told about how the website should be how to find customers online for your business and how to advertise online. Guests participated in an interactive session on networking: introduced himself and was able to acquire useful contacts. Became participants of the events as existing entrepreneurs, and those who are just going to open a business, or just interested in the subject.
"University business is implemented March 2017 and during this time have collected in their "piggy Bank" of about 50 lectures. Offline the format certainly opens up new possibilities. Teachers receive instant valuable feedback from the audience, and the audience is fully involved in the process", - said Irina Khramtsova, head of customer training Bank URALSIB.
Until the end of the year business University plans to conduct a few offline events in Moscow and to go to the regions: the first workshop on safe business management from Dmitry Kvasha, managing partner of the legal company "the Price" already took place in Veliky Novgorod, Kazan and Yekaterinburg.
In addition, the project has continued its work in the format of weekly online lectures. So, last week launched an interactive online course on creating an online store from Igor Maslennikov. Owner Agmashop.ru and service assistance to online stores Agma.pro format is a series of hourly lectures telling the audience about how to choose the product, open an online store, start selling and start earning. Detailed schedule and registration for the lectures of the University of business anyone can find on the website of the Bank URALSIB.
University of business Bank URALSIB is an educational project, allowing beginners and experienced businessmen for FREE to gain the necessary knowledge to start and grow your business. University teachers - professional coaches and successful businessmen. To date, the "piggy Bank" of the University business for more than 50 seminars. Most of the workshops held in online format. Since the launch of the project, more than 28,000 people visited section of the University, and the number of views of lectures on YouTube has exceeded 14 thousand. The online format allows you to participate virtually from anywhere in the world where there is Internet. To watch all lectures and to participate in the seminars on the website of the Bank URALSIB in the section "business University".
MTS Bank reduced annual interest rates on all credit products for small business. Now loan for working capital can be obtained at an interest rate of 11% per annum, above the minimum bid was 13%.
Under the investment loan minimum interest rate is 12.5% per annum.
Overdraft rate reduced by 1% per annum and is in the range of 14-15% per annum. For new customers, the overdraft limit may be established on the basis of data on transactions performed at other banks.
MTS Bank provides loans to small businesses worth up to 80 000 000 roubles for the term up to 60 months.
The interest rate determined by the Bank and depends on the parameters of the requested loan.
The detailed terms and conditions can be found in the section "small business Loans".