For the first 9 months of this year, the Arkhangelsk branch of JSC "Rosselkhozbank" has provided entrepreneurs and small and medium enterprises (SMEs) in the region 550 million of borrowings, including seasonal work - about 70 million roubles.
The most popular in the region among the representatives of SMEs are loans for working capital, accounted for 70% of all loans. In addition to the special-purpose loans, the Bank established a program of investment lending, the possibility of refinancing of credits of other organizations.
Until November 30, 2018 in the sales offices of the Arkhangelsk branch of the Bank shall continue to Share cash and settlement services for SME clients "Good start!". Conditions can vospolzovatsya persons, individual entrepreneurs and individuals engaged in established by the legislation of the Russian Federation in private practice, who had no settlement/special Bank account.
"Agricultural Bank offers popular enterprises of small and medium business, as evidenced by the growth in lending. The Bank branch takes an active part in agricultural exhibitions, seminars and forums related to economic development of the region, giving participants a full range of banking services. During the operation of the agricultural Bank in the Arkhangelsk region for the development of enterprises and organizations of small and medium businesses was forwarded about 33 billion rubles. On the service branch, there are more than 3.4 thousand clients of small, micro and medium business", - said the Deputy Director of the Arkhangelsk branch of JSC "Rosselkhozbank" Pavel Kozlov.JSC "Rosselhozbank" is the basis of national credit and financial service system of agroindustrial complex of Russia. The Bank was founded in 2000 and today is a key lender to the agriculture of the country, is among the largest and most stable banks in the country in terms of assets and capital, as well as the leaders of a reliability rating of the largest Russian banks.
~~The Russian franchising Association (RAF) has assisted in the organization of the IV Forum of small business regions of the participating countries of the SCO and BRICS, held on 18 - 19 October in Ufa Congress-hall.
The forum was joined by the Government of the Republic of Bashkortostan, State Committee of Republic Bashkortostan on entrepreneurship and tourism and the chamber of Commerce of the Republic of Bashkortostan with the support of the chamber of Commerce of the Russian Federation and the Business Council of SCO.
The forum is the only such platform in a common space for direct dialogue between the authorities and representatives of small and medium-sized businesses of the SCO and BRICS, which brought together delegations from 24 countries of near and far abroad and more than 40 regions of Russia.
The forum was held an expert session "Trends and case studies support and development of small business in the regions of the SCO and BRICS". The session was moderated by a Member of the General Council of the all-Russian public organization "Business Russia" Alexey Poroshin.
The meeting participants - experts, entrepreneurs and representatives of public authorities - conducted a joint monitoring of existing mechanisms of development of small business and identified the most effective practices for the exchange of experience.
In his presentation "franchising as an instrument of small business development in the SCO and BRICS," a representative of the RAF, General Director of "Academy of Franchising," Michael Feinberg concluded a successful franchise model in different countries and noted the high potential of a number of national franchises for expansion into international markets. Michael Feinberg emphasized that today, when the market for franchises has taken on a global scale, franchising is the optimal tool organization and small business development has proven its effectiveness.
The corresponding project of the regional law made by the Governor and will be considered at regular session of regional meeting of deputies on October 24. The changes are related to the fact that in effect the regional law establishing such term installments, ceased to have effect 1 July this year.
July 3, 2018 entered into force the amendments to the 159-th Federal law on peculiarities of alienation of immovable property owned by the state or municipal property and leased by subjects of small and average business. They provide the right entrepreneurs to become owners of property leased from the state or municipalities.
Statutory conditions for the acquisition of property is very comfortable, allowing you to use the measure as a measure to support small and medium-sized businesses. Over the past ten years, the law has been repeatedly changed, the practice identified considerable gaps and contradictions, which are now eliminated.
So, the original period of validity of the Federal law was two years and later extended three times. With 3 July this year the restriction of the action of the Federal law at the time cancelled. This law became valid indefinitely.
Until July 3, it was possible to purchase only the leased property, which were in state ownership of subjects of Federation or municipal ownership. Currently, small and medium business on preferential terms to buy and Federal.
Right to purchase granted to entrepreneurs only in case if the leased property continuously in their temporary possession and (or) use of at least three years prior to the effective date of the Federal law into force, i.e. until 5 August 2008.
Under the new rules, you can privatize the premises, which is continuously used at least for two years at the time of submission of application for redemption when implementing pre-emptive rights in privatization (three years – by the tenant). This approach gives the tenant the opportunity to exercise the right to repurchase in the future, if he currently can not purchase the rented premises.
If the tenant did not sign a contract for the sale of the leased premises or has not signed the contract sent to him within thirty days after receiving it, he was deprived of the preemptive rights to purchase. After changes in Federal law, the tenants refused to purchase on time or not signing the documents, can seize the opportunity of the grace of redemption.
Upon redemption of the leased premises to entrepreneurs by installments is available for a period of not less than five years. Entrepreneur who decides to purchase the rental unit, he chooses the order of a lump sum payment or in installments.
Term installment for Federal property is established by the Government of Russia, and for the ownership of the subject of Federation – the regional law. Made by the bill, this time proposed to leave for 10 years. Local authorities will determine the period of the installment purchase for municipal property.
As noted by the Director of legal Department of administration of the Governor and government of the region Igor Andreichev necessary information is directed to bodies of local self-government of municipalities in the region to make such decisions.
The bill also applies to other measures of property support of subjects of small and average business. So, expanding the list of regional assets leased to subjects of small and medium-sized enterprises, by the inclusion of his property regional institutions and unitary enterprises. Identifies new subjects of small and medium enterprises – agricultural cooperatives, for which the regional property will be leased on favorable terms.
The bill in the framework of the amendments to the Federal law "On industrial policy in the Russian Federation" provides for the development of measures to stimulate activities in the industrial parks. In this regard, the government will establish at the regional level, the order of application of such incentive measures as well as additional requirements for industrial technology parks – beneficiaries of incentive measures.
The legal Department of the administration of Arkhangelsk region Governor and Arkhangelsk region Government
Support measures that contribute to the increase in the number of small business entities, as well as mechanisms of reducing administrative barriers considered at the meeting of Council on improvement of investment climate in Volgograd region under the chairmanship of Vice-the Governor Vladimir Skorina. New tools to stimulate economic activity will be the center of "My business" and Technopark.
"Regular dialogue with potential investors is a necessary condition for economic development of the region, — noted the Deputy Governor of the Volgograd region Vladimir Shkarin. — Detailed and qualitative approach to working with business owners provides stability of investment flow, brings a new level of quality performance indicators".
The meeting discussed operating in the region mechanisms to support SMEs, and suggestions for improving this work. For the decision of problems of increase of investment appeal of the region, development of infrastructure and resources to support entrepreneurship was approved the "road map", formed relevant working groups.
In support of small and average business of region will continue to participate in state programs using funds from the Federal budget. As a result, by 2024, the number of employed in the SME sector is projected to increase from 250 thousand to 340 thousand, the number of small businesses — up to 90 thousand.
Growth in the number of entrepreneurs will contribute to new tools for regional support. So, in the next two years in the Volgograd region will create a center of "My business" and Technopark. In addition, we will continue to engage youth in entrepreneurial activities.
We will remind, in the Volgograd region already operate a guarantee Fund, microfinance institutions, business incubators, engineering centres, business support and export. These tools have already proved their efficiency. For the first nine months of 2018 microfinance Fund of the Volgograd region has provided entrepreneurs with microloans with an interest rate from 6.25% to 7.25% per annum for a total amount of 27.4 million rubles. In the same period, over 450 entrepreneurs participated in the educational programs of the Volgograd regional business incubator. The region is actively implementing the training program developed by the Corporation SMEs: "ABC of entrepreneur", "entrepreneur School", "Mom entrepreneur" and training "Generating business ideas", "Participation in public procurement, Inspections of SMEs", "Legal aspects of entrepreneurship" and others. It is planned that 4200 entrepreneurs will use in 2018 consulting services.
Separately, the experts reviewed the implementation of the road map in the direction of "resources and Infrastructure". It was noted that in 2017 the Volgograd region state support was provided to 2,000 entrepreneurs and 300 have used tax incentives, 90 received grants to develop family livestock farms.
We will add, one of the strategic tasks set by the Governor of the Volgograd region Andrei Bocharov, — increase gross regional product up to one trillion rubles by 2021. Increase of investment attractiveness, improving the business climate are among the priorities of work of administration of the Volgograd region. Sustainable economic growth of the region shows in 2014. During this time, sold 88 of investment projects, a further 38 signed agreements in the coming years. For investors in the region provided for 53 species state support.
The Omsk commercial and industrial chamber informs that on 24 October 2018, the hotel "Golden ring" (Moscow, 5 Smolenskaya street) will host the second annual forum "SMEs and the financial sector. Lending, technology, service".
Participation in the event for representatives of small and medium business for free, with the compulsory pre-registration on the link:
6-10 November in the Republic of Karelia will be the largest informational and consultative event, which is dedicated to the development of small and medium enterprises, training of entrepreneurs, improvement of interaction of business and government.
"Business week" is a forum of subjects of small and average business which is one of the largest business events in Karelia. The purpose of the event is to coordinate the main directions of the strategy of regional policy in the development of small and medium enterprises, to involve small and medium-sized business in a very constructive interaction with each other, governments, NGOs, the banking sector and to obtain feedback from the business community.
"Business week" will begin with a visiting session of the St. Petersburg international economic forum. Plenary session will be held with participation of President of the Republic of Karelia. In the framework of the forum round tables, seminars and conferences will summarize several important business of the competitions.
Recall that in 2017, the forum was attended by more than 300 small and medium-sized businesses, representatives of Federal Executive authorities, scientific and business communities, public associations and entrepreneurs.
To register for participation in the forum "Business week" on the link ( https://karjalacongress.timepad.ru/event/814605/ ).
The Ministry of economic development and industry of the Republic of Karelia announces a competition for grants for the implementation of additional measures on support of small and medium entrepreneurship legal entities (except nonprofit organizations), individual entrepreneurs – producers of goods, works and services.
Subsidies to subjects of small and average business are provided on a reimbursement of costs:
1. technological connection to electric grid facilities;
2. manufacture of food products, handicraft, including manufacturing of products of national art crafts;
3. the construction and (or) reconstruction of objects of roadside service;
4. voluntary certification of products.
Acceptance of documents for granting subsidies by the Ministry within 30 days from 2 until 31 October 2018, to the address: Petrozavodsk, Andropova str., building 2, 3rd floor, office No. 323.
Recall that to simplify the procedures for employers filing applications for subsidies from the Republican budget it is possible to apply not only to the office of the Ministry of economic development and industry of the Republic of Karelia, but also in the departments of the Multifunctional center providing state and municipal services of the Republic of Karelia, located in areas of the country.
On filling of the application and formation of package of documents, please call: 7923-68, 7923-64, 7923-65.
18 October 2018 in the city of Krasnodar, will host the next stage of the National business award "Business Success" in the framework of the business forum "it is small" (compulsory registration on the link http://delozamalim.com/#l), which can take part representatives of the neighbouring regions. The award may become an additional platform for finding partners and investors entrepreneurs of neighboring regions, and also allow you to share positive experiences in the creation and development of favorable business climate in the territories.
We invite subjects of small and average business of the region to participate in the contest. The deadline for nominations is October 11, 2018 on the website http://bsaward.ru/2018/krasnodar/
The best entrepreneurial projects will receive prizes to support and develop the business from the partners and organizers of the project.
In case of positive decision, please contact: project website: http://bsaward.ru/contacts org. Committee: Love Repin, project coordinator firstname.lastname@example.org 8 (495) 620-98-50; Olga Kopylova, Director of communications. email@example.com 8 (903) 111-64-23 or in the Committee of consumer market development of small business and licensing of Kursk region by phone: 8(4712)70-19-13; 70-24-34
In order to increase the availability of leasing services for small businesses regional leasing companies are implementing benefit programs by providing preferential business lease financing for a period up to 7 years ranging from 3 million to 200 million roubles to purchase equipment at a rate of 6% per annum for equipment of Russian production and 8% per annum for equipment of foreign production. Advance payment under leasing contracts, the Programme is set at not less than 10% of the value of the leased asset that are significantly less than that of the market index. For the Program in years 2017-2019 from the Federal budget allocated 6 billion rubles, at least half of which plan to use by the end of 2018 for the purpose of providing leasing support of subjects of individual and small business.
In case you are interested in providing leasing support to address to JSC "Corporation "SMEs" to Goncharova Tatiana Viacheslavovna (Executive Directorate for the management of subsidiaries and affiliated leasing companies and investments) by phone +7(495)698-98-00, EXT.204; e-mail: firstname.lastname@example.org or in the Committee of consumer market development of small business and licensing of Kursk region by phone: 8(4712)70-19-13, 70-24-34.
In the framework of the regional industry Day in Yaroslavl was opened the regional center of "My business". In the new building on Sverdlova street for the convenience of entrepreneurs gathered all the structures of support of small and medium-sized businesses.
The ceremony was attended by Deputy Chairman of the regional Government Maxim Avdeev, Deputy General Director of JSC "Corporation of SMEs" Maxim Lyubomudrov, heads of structures of the investment unit of the government of Yaroslavl region.
– The opening of this modern and multifunctional centre – the beginning of a new phase of business, – said Maxim Avdeev. Such a service model providing support on a single platform will allow entrepreneurs a comfortable environment to obtain full and reliable information will simplify the communication and reduce the time of service.
At the centre of "My business" Center for entrepreneurship support, regional export support Center, a branch of the SME Bank in Yaroslavl, the entrepreneurship support Fund, Fund for the development of industry and agriculture. In addition, it will house Regional leasing company – a new tool to support small and individual business.
In the framework of the inauguration of the centre took place the signing of agreements on cooperation of a Regional leasing company with Directorate Yao branch of PJSC "VTB Bank" and the enterprise "Zavod PSM". The first is aimed at providing entrepreneurs a wide range of banking products on favorable terms, raise their awareness of the opportunities of the leasing support. PSM plant rlk becomes a partner as a supplier of the leased equipment.
While rlk Yaroslavl already has cooperation agreements with the organizations of infrastructure of support of small and medium enterprises in other regions of the Central Federal district, and the Sakhalin oblast, Khabarovsk Krai, republics of Adygeya and Ingushetia.
Center "My business" is located at the address: Yaroslavl, street Sverdlova, 25d, 3rd floor.
The state is ready in 2019 to compensate for Russian banks RUB 7.2 billion in revenues in lending at subsidized rates to small and medium-sized enterprises (SMEs) in priority sectors. This follows from the draft Federal budget for 2019 and subsequent years 2020-2021, seen by RBC. In this year's budget for these purposes laid down in 11 once less — 635,5 million rubles.
The cost of subsidized loans to SMEs will increase over the next six years, almost ten times, to 66.6 bn in 2024. The total cost for a six-year on these purposes is planned at the level 190,9 bln RUB.
We are talking about the issuance of loans for projects in priority sectors at a rate of 6.5%. Under current rules, the difference with market rates in the amount of 3.1% under the credit agreement for the medium and 3.5% for small business, banks shall reimburse to the budget. If its this year, the funds give loans to 20 billion, in 2019 this may be already on concessional lending by more than 200 billion rubles the Program of concessional lending to SMEs was approved by the government resolution of 30 December 2017 and launched this year.
Increased support of small and average business is carried out pursuant new the may decree of President Vladimir Putin, who instructed the government to increase the number of employees in SMEs of up to 25 million people by 2024 (as of July 1, 2018 — 19.2 million people), and the message to the Federal Assembly set the goal to increase the contribution of SMEs in GDP to 40% (according to the MAYOR, this year's 19.9 per cent).
Currently the government is developing the national project "Small and medium entrepreneurship and support of individual business initiative", which includes including measures to increase lending to SMEs. One of the stated goals is to increase the volume of credit portfolio of small and medium business with 4 trillion (31 December 2017) to 9 trillion roubles (in 2024), it follows from the preliminary documentation to the project.
To change the rules
The rules of preferential crediting of small and medium businesses by 2019 can also change. The Ministry of economic development prepared a draft government resolution, which provides for the extension of benefits for loans for SMEs is not of the priority sectors. Freezing is supposed to count according to the "key rate plus 2 percentage points, but not more than 8.5%", whereas for the SMEs of the priority sectors, the rate still should not exceed 6.5%. Indemnify the banks planned 3.5% for loans to small and 3,1% — medium enterprises from priority sectors, and for loans to SMEs that operate in other areas — 2%.
What industries are considered a priority
The priority sectors include agriculture, manufacturing, electricity, gas and water, construction, transport, communications, tourism activities, health, collection, treatment and disposal of waste as well as industries, which have implemented the priority directions of development of science and technology (this list may subsequently be adjusted).
With the introduction of the program changes, in particular, it is possible to expect growth of demand for loans by enterprises of wholesale and retail trade, the expert group of Finance ACRES Mikhail Doronkin.
The Ministry explained that the proposed changes will increase the number of preferential loans, which in the end will contribute to more active development of small business and increase its share in GDP. "At the end of 2018 it is planned to test a new program parameters for later distribution in 2019," — said the Agency.
The Ministry also plans to expand the number of banks participating in the program, primarily at the expense of smaller regional banks that have experience lending to SMEs, told RBC in the MAYOR. Now, the program involved 15 banks. Among them, four systemically important — Alfa-Bank, Rosselkhozbank, VTB, Sberbank and 11 regional RosEvroBank, "Acceptance", "Intesa" Bank "Levoberezhny", "Saint Petersburg" Bank, KB "Association", Primsotsbank, MCB Bank, TCB Bank and SME Bank. During 2018 15 authorized banks 1056 entered into concessional loan agreements with SMEs for a total amount of 48.4 billion rubles, told RBC in the SME Corporation.
While the passport of the national project "Small and medium entrepreneurship and support of individual business initiative" is not approved, talk about the final funding for the program previously, said the MAYOR and Corporation of SMEs.
To successfully tap into grants
Planned in the draft budget for the financing of the program of economic development for the concessional lending to small and medium businesses do significantly, said the Vice-President "Support of Russia" Vladislav Korochkin. "This is a large amount, but I think they can be implemented, as for many SMEs this program is the ability to survive and implement their projects," he says.
The program of concessional lending to SMEs actually works. "Of course, companies may experience some difficulties, they face serious bureaucracy, and this is not surprising: in order to obtain a loan on such favorable terms, the company must meet a number of requirements. In this case I personally saw quite a long list of enterprises, which in the framework of this program managed to obtain loans," says Korochkin.
The program of the Ministry of economic development provides much more favorable conditions for small and medium-sized enterprises compared to a concurrent program, the Central Bank to stimulate lending to SMEs in priority industries (the rate for loans with a volume of not less than 3 mln RUB% to 10.6% for small businesses and 9.6% for the average), emphasizes the Vice-President "Support of Russia". And the expansion of the programme, in his opinion, dictated by the need to increase aid to SMEs: "There are industries that would have been a priority for small and medium business, all the SMEs needs financial support."
According to Mikhail Doronkina, the proposed innovations will contribute to a more successful "development" banks limit subsidies. Lead analyst on Bank ratings "Expert RA" Catherine Mikhlin, in turn, noted that to evaluate the possible effect of the proposed changes for the concessional lending to SMEs is difficult. The continuing tense situation on the currency market and the expected slowdown in GDP growth will continue to restrain the growth of crediting of subjects of small and average business by the end of this year, she said.
Bank RNCB agree that measures to expand the program of preferential lending will have a positive effect. "It is very important that the state provides additional funds in the budget for the provision of new concessional loans in the framework of this program next year. This will contribute to the further development of small business, creation of new workplaces, construction of new facilities, implementation of new infrastructure projects and industries and in General to improve the quality of goods and services provided to consumers," — said in MCB. Sberbank also approve the extension of concessional lending, noting that they support "all the programs that help to preserve and increase customer funds". Other banks participating in the program to queries of the RBK not answered.
Bank URALSIB is among the largest banks offering the best rates on servicing small businesses in Moscow and St. Petersburg, according to the rating Business Banking Fees Monitoring 2018. The study was prepared by the consulting Agency Markswebb.
Bank URALSIB was among TOP 5 banks with the most favorable rates for three categories of clients: freelancer (a company incorporated in the form of IP), B2C (business-to-consumer, providing services to natural persons) and retail store.
The study calculated the minimum cost of the first year of banking services for five types of companies in the SME segment. Account of the tariff policy of banks in the 3rd quarter of 2018. The monitoring was attended by 22 banks.
Business Banking Fees 2018 Monitoring — monitoring of the rates on online Bank services for small business. In the framework of the study records all subscription payments and one-off Commission charged for cash management services, payroll project, merchant acquiring, cash deposits, transfers and payments in the Internet Bank. Read more about the rating can be read here.
Individual entrepreneurs, managers and employees of small and medium business are invited to courses of professional retraining "Management of development of small business".
The program organizers - the Agency of investments and development of entrepreneurship of the Kostroma region and idpo KSU.
The program is designed specifically for entrepreneurs, owners, managers and employees of small/medium enterprises. It includes economic, managerial, organizational and legal modules. Two and a half months, the students will gain knowledge needed to optimize the business processes, promotion of goods and services, effective management of staff.
At the end of the programme the participants with the help of consultants will develop plans for further development of the business or the business of their organization.
Classes will start in late September and will last until December 2018.
According to the results of the diploma about professional retraining.
Participants can be individual entrepreneurs, and officially employed, they have hired workers, as well as the founders and members of organizations registered and operating in the territory of the Kostroma region, included in the Unified register of subjects of small and average business.
The list and forms of documents included in the proposal posted on the website idpo: http://idpo-kostroma.ru section "Announcement".
Applications will be accepted until September 12 at the address: Kostroma, Sovetskaya square, d. 2A, office 205 from 9.00 to 16.00.
Additional information by phone (4942) 317579.
The press service of the Governor of the Kostroma region
Yaroslavl oblast, August 16. - "Shipyard of brothers Nobel" ceremony of laying the small fishing refrigerating trawler project T30, which is JSC "shipyard "Vympel" will build to order PTF, OOO Karelryba". The construction of the vessel will be carried out using the mechanism of "investment quota", developed in 2017 by the Ministry of agriculture jointly with the Ministry of industry and trade.
In accordance with the legislation of the Russian Federation to the objects of investment related to ships of the fishing fleet, built at Russian shipyards, and enterprises as property complexes, intended for the production of fish products and built on the territory of the Russian Federation in the framework of implementation of investment projects. Thanks to this mechanism as of August 2018, was submitted and approved 33 applications for the construction of fishing vessels.
The ship project the T30, was developed by Dept of shipbuilding plant "Vympel", designed for coastal fishing trawl method. On Board the trawler it is possible to produce primary processing and cooling of fish, delivery and unloading to the shore, the fishing factories. The contract for the construction of a small fishing trawler shipyard "Vympel" and the Murmansk company "Karelryba" signed on 30 June 2017.
The fishing vessel shall be delivered to the customer in 2019.
The project T30, the main characteristics of the vessel:
Maximum length – to 35.15 meters
Width - 9 meters
Draught – 3 meters
The maximum speed of 11 knots
Crew – 12 people
Cargo hold capacity 190 m3
Endurance – 10 days
18 - 19 October in Ufa will host the IV Forum of small business regions of the participating countries of the SCO and BRICS. Businessmen of region have been invited to participate in its work.
The forum has traditionally become a communication platform of international scope, which brings together representatives of business, expert community and heads of relevant ministries, regional authorities of the participating countries of the SCO and BRICS to discuss the prospects and strategy of development of small business.
The forum is organized by: government of the Republic of Bashkortostan, the State Committee of the Republic of Bashkortostan on entrepreneurship and tourism, chamber of Commerce of the Republic of Bashkortostan with the support of the SCO Business Council and chamber of Commerce and industry of the Russian Federation.
The forum will be business matchmaking, exhibition area, presentation platform of the regions of the participating countries of the SCO and BRICS.
To obtain additional information and to register for the event on the website of the forum.
----When quoting the link to the Official website of the Altai territory mandatory