Moscow calls for the return of the conditions of micro-loans to businesses – RealnoeVremya.com
Republic of Tatarstan’s First Deputy Minister of Economy Rustem Sibgatullin criticized federal restrictions on granting microloans to support SMEs
The First Deputy Minister of Economy of the Republic of Tatarstan, Rustem Sibgatullin, tried to convince officials of the Ministry of Economic Development of Russia to postpone the three-year term for the repayment of concessional loans instead of the period year introduced due to the June 10 lockdown. With the introduction of these restrictions, the monthly payment automatically became larger and it became more difficult to repay loans. Industry conference attendees spoke for a longer period – up to five years.
Regional state funds in Kazan
Concessional loans for resumption of work after the forced shutdown during the pandemic and microloans to replenish working capital have helped businesses survive, and public funds to provide support have been found to be more flexible and mobile than banks. , the participants of the All-Russian Forum “Entrepreneurial microfinance. Season III” reported on June 10. It brought together more than 90 representatives of non-profit microfinance organizations with the participation of the state from 47 regions of the country. ranges from 200 million rubles to 2.5-3 billion rubles, but they are united by a common tool of business development: loans.
With the emergence of such organizations in the regions, they began to move away from the practice of direct grants to adopt repayable mechanisms to support small and medium enterprises, and the funds themselves merged into MiR SRO. At the forum, the director of the industry association, Elena Stratyeva, called on representatives of the funds to identify the main problems that federal authorities face in regulating their activities, because even after the pandemic, companies will need of their support. However, Tatarstan has turned out to be the main spokesperson for the community’s issues.
“We say people need support, but we made it worse”
“Is it possible to remove the restrictions more quickly”, the First Deputy Minister of Economy of the Republic of Tatarstan, Rustem Sibgatullin, raised the urgent issue of all regional funds, speaking to Olesya Teterina, director Deputy of the Department of Investment Policy and Entrepreneurship Development of the Ministry of Economic Development of Russia, by videoconference.
According to him, the introduction of federal restrictions on the repayment of loans of 3 to 2 years worsened the situation for entrepreneurs, because the monthly payment automatically became more important and it became more difficult to repay it.
We are talking about preferential loans issued by regional business assistance funds. Two years ago, on the proposal of the Ministry of Economic Development, the maximum loan amount was increased from 3 to 5 million rubles, and during the self-isolation regime, the regulator decided to reduce the term by 36 at 24 months. According to officials, the prompt repayment of loans was supposed to increase the volume of aid given, but in fact resulted in service difficulties.
“The self-employed also say – it’s better to give us a higher rate, but increase the loan repayment term. Then the monthly payment will be lower, “said the Deputy Minister of Economy of the Republic of Tatarstan. According to him, it has become more difficult for entrepreneurs to repay the loan over a shorter period.” We say that the people need support, but they ‘made it worse,’ he said, and the forum audience supported him.
“These restrictions apply because of the lockdown,” Olesya Teterina tried to argue. “First of all, we have to help those who are in a difficult situation.”
“But where is the logic? Rustem Sibgatullin asked again. “If people say, ‘Give it for three years,’ and for some unknown reason, we say, ‘We can’t, we have restrictions. “I don’t know if my colleagues will back me… Who’s for a three-year offer?” He turned to the audience.
At this point, the camera was facing the audience and showing a forest in the hands of the audience. “It’s better up to five years old!” shouted someone in the audience. In response, the representative of the ministry, Olesya Teterina, promised to include this issue as part of the “budget process” for next year.
“It seems that the logic is to give micro-loans to more SMEs, but it is not practical for companies,” Sibgatullin explained in a conversation with Realnoe Vremya. “It’s a simple calculation – get 5 million rubles and give it away in 24 months or 36 months. Clearly you will have to come back more per month with a two-year payback period.
The loans have been “linked” to the central bank’s key rate since June 1
The CEO of the Entrepreneurship Support Fund, Aydar Salikhov, said the loans have proven to be the most popular among businesses during the pandemic. A third of the portfolio went to companies that were not on the list of worst affected industries. To deal with the deal, the fund launched a 1% product for 2 years. 354 microloans amounting to more than 250 million have been issued. Since September, they stopped issuing 1% loans and launched the universal product Perezagruzka for all businesses. It represents 32% of the portfolio. Loans were issued for 300 million rubles at 6% per annum. In total, since the establishment of the fund in 2014, more than 2,500 loans worth 4.4 billion rubles have been issued
Radical changes have taken place since June 1, when the fund abandoned the fixed rate of 6% in favor of a floating rate. The interest rate on loans was linked to the central bank’s policy rate. It is the region’s right to determine how to form the cost of financing itself.
“Previously, there was a rate at 6% per annum, and since June 1, the rate has been lowered to 5% in the correlation of the Central Bank,” Aydar Salikhov said. At the same time, it does not exclude that after the increase of the Central Bank, the borrowing rate will be raised.
The Tatarstan Fund to catch up with the Krasnodar Fund
Another important news was that the fund intended to increase its capitalization by 400 million rubles – up to 2.5 billion rubles. In this case, the Tatarstan fund will catch up with the leader – the Krasnodar Krai Entrepreneurship Support Fund, the capitalization of which reached 3 billion rubles.
The dynamics of loan issuance are as follows. In 2019, 399 loans worth 934.6 million rubles were issued, 685 loans worth 1.4 billion rubles – in 2020. As of the beginning of this year, 225 loans worth 351.7 billion rubles were issued, reported Aydar Salikhov. In total, 621 loans worth 1.2 billion rubles are expected to be issued by the end of the year. He mentioned here the problem of loans to social entrepreneurs: according to him, only one loan was issued.
“But not because they don’t apply, and the conditions are like that. They must be registered in the register of social entrepreneurs. Only 12 entrepreneurs were included and only one obtained a loan. This year they will be 100. And they will have the opportunity to apply for loans, ”Salikhov said.
By Luiza Ignatyeva