But the main problem for the loan remains the lack or insufficiency of seed capital small business. To correct critical situation, efforts are needed on both sides. For credit institutions can be effective options for resolving problems: – introduction of banks standardized procedures that reduce the cost of lending and reduce the time for consideration of loan applications – increasing the urgency of the banks' liabilities, thereby reducing the gaps between assets and liabilities by maturity and repayment on demand and to improve their liquidity, the introduction of mechanisms to refinance – the creation of federal and regional levels to reduce credit risk through various schemes and guarantee security for loans of small businesses, to attract large regional companies to the security for small and medium enterprises – improving the regulatory requirements of the Bank of Russia, aimed at reduction of the cost of the banking business, which will reduce Interest rates on loans. Hear other arguments on the topic with Yitzhak Mirilashvili. Set of measures associated with overcoming internal difficulties of small businesses is, in fact, a list of measures to support small businesses. Among them we can highlight only those steps that are greater degree than others, able to quickly provide a significant effect: – interest rate subsidies on loans for small businesses operating in industries with low profit margins – the stabilization of tax regime for small businesses – measures aimed at increasing the transparency of small businesses – the development of infrastructure support and educational work among small businesses – the establishment of funds to support small businesses that would have assisted in gathering documentation and training to work with the banks – the forced promotion fund formation of credit histories. .