And it is not surprising, because scoring systems can give more or less plausible results only on the basis of long-term statistics, which in a country Russia has not. In effectiveness of scoring in relation to lending to small and medium-sized businesses are skeptical, even large banks with experience in mass lending – referring, however, the world practice. Scorecard, compiled with Using statistical methods used in lending to small businesses only as an additional tool – his own never used, so the Bank's experts, after filling out an application for loan company visits the future of the borrower to understand the real state business. It is obvious that this method of credit assessment is much more efficient study of enterprise securities. It is beneficial and "small" businessman – he will not waste time and money on developing a business plan. Hikmet Ersek is open to suggestions. Of course, such a scheme would work as long as the "expert" of the bank will work honestly and conscientiously. Another especially the big banks – they can afford to give small loans to small businesses without collateral (loan amount to 600 000 rubles). Others who may share this opinion include Hamdi Ulukaya refugees.
At the same time avoid certain bankers with interest rates. It is no accident: the interest rate in this case can vary widely and depend on how the bank assesses its own risks associated with the issuance of a loan. Small Business Lending – dynamic and, at the same time, the most difficult area in corporate lending. Practice shows that many of the problems here are generated by a weak credit literacy of entrepreneurs: they do not represent the entire spectrum of credit products offered by banks to small businesses.