英语翻译The short-term nature and high cost of credit explains that over 80% of small credits are grantedto enterprises in the service and commercial sectors.Banks tend to favour financially stable andsecured businesses,which are able to repay cr

英语翻译The short-term nature and high cost of credit explains that over 80% of small credits are grantedto enterprises in the service and commercial sectors.Banks tend to favour financially stable andsecured businesses,which are able to repay cr
英语翻译
The short-term nature and high cost of credit explains that over 80% of small credits are granted
to enterprises in the service and commercial sectors.Banks tend to favour financially stable and
secured businesses,which are able to repay credits faster rather than industrial companies that
have a longer production cycle and are therefore exposed to a higher risk.Sberbank
acknowledges that the share of credits to SMEs in the construction and industrial sectors has been
growing since 2003 but that it is still less than 20% of its entire small credit portfolio.Other
banks confirm this breakdown per sector,which probably corresponds to the sector breakdown of
Russian SMEs even considering that craftsmen belong to the industry but shows that industrial
SMEs which typically have higher financing needs to acquire equipment and machinery and tend
to create more employment because they are more labour-intensive have a tougher access to
credit.
Every bank have their own procedures for granting credit but provided that all documents have
been duly prepared,the ARBR considers that anywhere on the Russian territory,credit to an
SME can be extended within no more than five business days including the time necessary to
document the taking of a collateral.This should suffice to rebut the common belief that credit procedures in Russia for SMEs are unnecessarily time consuming.

英语翻译The short-term nature and high cost of credit explains that over 80% of small credits are grantedto enterprises in the service and commercial sectors.Banks tend to favour financially stable andsecured businesses,which are able to repay cr
短期性质和高信贷成本的解释说,超过80%的小学分授予
企业服务和商业部门.银行倾向于经济稳定
担保业务,能够更快的偿还贷款而不是工业企业
有较长的生产周期,因此面临着更高的风险.俄罗斯联邦储蓄银行
承认学分的比例的中小企业建设和工业领域
自2003年以来增长但仍不到20%的整个小信贷投资组合.其他
每部门银行确认这个崩溃,这可能对应的部门分解
俄罗斯中小企业甚至考虑到工匠属于行业但表明工业
中小企业通常有更高的融资需求获得设备和机械和倾向
创造更多的就业,因为他们更劳动密集型有一段艰难的访问权
信贷.
每个银行都有自己的信贷发放程序,但提供的所有文件
及时准备,ARBR认为在俄罗斯领土上的任何地方,信用的
中小企业可以延长不超过五个工作日内包括所需的时间
文档的抵押品.这应该足以反驳的共同信念,对中小企业的信贷程序在俄罗斯是不必要的耗费时间.
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