Small Business Problems. Loans For Small Businesses. Opening A Small Business

 Every year, a large number of small businesses are created in Russia. Most of them are closed for the next year, a smaller portion of the time to work out a few years. And only a small fraction of all organizations operate successfully in the market. Recently, people have lost the desire to start their own business. This is due to the problems of small businesses that exist in our country at the moment. In this article we will try to sort out the problem.

WHAT PROBLEMS TO PURSUE SMALL BUSINESsRussian Federation goes in its own way in business development. This path is very specific, and many businesses suffer because of this. Supporting small business was carried out in accordance with the mentality of the citizens, unstable economies, as well as the lack of information about the behavior of the corporate culture.

The man who has decided to start their own business should understand that its success depends not only on the effort budding entrepreneur. Strongly influenced by several external and internal factors. All emerging complexities can be divided into several groups:

• financial;
• problems with loans to small businesses;
• organizational problems;
• logistics.

That business is normal and productive functioning, it requires interaction of the buyer, the owner and the state. Only in this case, the case will come to success.

DOMESTIC PROBLEMS

These small business problems include a lack of money, the clumsiness and management. Of course, a lot to do with a lack of start-up capital. If you hand over the required sum, it is not a guarantee of success. After all, fresh should be a good idea, competent business plan, continuous improvement of the business.

For one of the biggest problems of small business development is the lack of knowledge of proper planning of activities. This item can not be underestimated, as the reckless waste of resources can lead to bankruptcy. If the plan is, we need to change it under real conditions encountered.

The administration of the organization must consist of highly qualified professionals. Often the principal forgets about their duties and turns to the average driver. This situation is not quite a positive impact on firm performance.

CONTROVERSIAL ISSUES IN LEGISLATION

In fairness, it should be noted that the first legal action on small business was adopted in 1995. Even then, it was clear that this law had a large number of disadvantages. For today in 2007 adopted the other act. It is still constantly changing.

Opening a small business in Russia is associated with some problems. Many of them are afraid of endless reports that every entrepreneur has to be for a certain period of time. There is also a system of fines for not submitting timely reports and payments are pretty decent. Even despite the fact that the state regularly produces programs to support small businesses and a simplified tax system, the payment will still be very large. Therefore, so that people do not want to waste with this, because you can give more money than earned.

REGULATION AND ACCESS TO GOVERNMENT CONTRACTS

Problems of small business in Russia and also due to difficult regulation of businesses by the state. In practice, these are called administrative barriers. These are the endless constant checks, complicated process of registration and liquidation, collect a large number of queries.

As the foreign practice, the less different barriers for small businesses, the better it works. Getting rid of these obstacles will bring many benefits.

It's no secret that the government is trying every possible way to support a small business. But to get the help you need to work hard. If exposed to any government around, many people want to appear. And often, in the end, he gave up some strange suspicious company. This is a classic case of corruption schemes, and it is very difficult to change. This hurdle is a serious problem of a small business.

SMALL BUSINESS FINANCING AND SANCTIONS

Talking about the problems, we can not ignore the topic of loans for small businesses. The reality is that not all banks are willing to give a beginning entrepreneur money as a loan. According to statistics, only one third of young businessmen can obtain a loan, the rest were denied. This is due to the fear of the bank that entrepreneurs will not pay debts.

If a person is going to set up their own business and start production, then his chances of getting a loan are minimal. Banks are much more willing to provide loans to those who have taken them and repaid them on time. This is called a good credit history. Also, banks often make concessions, reducing the interest rate and monthly payment.

Furthermore, it is worth noting the impact of sanctions on small businesses. The appreciation of the dollar and the euro has a negative impact on entrepreneurship of this type. Before sanctions, there were a large number of small business problems in Russia, and they did more for them.

SUBSIDIES TO START A BUSINESS

It is important to note that the government is doing its best to support business start-ups so that this grant is instituted. Under this program, the businessman can reach up to 500,000 rubles. But to get this amount, you have to meet certain requirements. For example, you need to risk operation for at least two years. The organization has to more than 250 workers, and there should be no debt on different kinds of obligations.

Cash received under the small business grants can be spent on the necessary hardware, software, and so on. D. It should be noted that the award is only issued in the capital of our country. Money can be spent on office rent in Moscow, as well as for the purchase of raw materials. Please note the following condition: the total amount of the purchase should not exceed 20% of the grant.

OTHER SUBSIDIES

In addition to helping discussed above, the state has offers and other subsidies. For example, the very popular compensation for the interest on the loan. As in the first case, it is necessary to meet a number of conditions. Small businesses need to be formalized, the entrepreneur - to pay taxes on time, and on hand to conclude a credit agreement with no more than two years ago.

In addition to this, it is necessary that the organization does not belong to the field of trade, and money from the loan did not go to the company's working capital. There are also some more subsidies to small businesses, for example, the reimbursement of expenses for rent payments. This type of help is very popular because you can get up to 5 million rubles, but you need to have a lease. Also, a few months later, the entrepreneur must submit a report on the funds spent.

SMALL BUSINESS PROSPECTS

Talking about the future of small business in Russia, it is noteworthy that the government understands the value that the level of life in the country. If you do not develop this industry, the middle class can disappear completely, there will be discrimination from society. Every year there is new business support program, the state is going in the right direction.

The main thing - to ensure the implementation of all the rights and freedoms of a novice businessman. Experts predict that in the near future good prospects are seen in those who sell goods of the first necessity, that is, it stores food, clothing and shoes. Also, never get out of work service stations, car wash, etc. D.

Despite all the problems of small businesses, the state is moving forward, trying to understand the problems and present its decision.