Problems of small business. Loans for small businesses. Small Business Opening

Every year, Russia creates a huge numbersmall businesses. Most of them are closed for the next year, the smaller part has time to work for several years. And only a small proportion of all organizations successfully operate in the market. Recently, people have lost the desire to open 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 understand this issue.

What kind of trouble is pursued by small business?

The Russian Federation follows its ownways in business development. This road is quite specific, and many businesses suffer for this reason. Support for small businesses is carried out in accordance with the mentality of citizens, an unstable economy, as well as a lack of information about the conduct of corporate culture.

The person who decided to start his own business,must understand that his success depends not only on the efforts of a beginning entrepreneur. A strong influence is exerted by various external and internal factors. All the emerging difficulties can be conditionally divided into several groups:

• financial;
• problems with loans for small businesses;
• organizational difficulties;
• material and technical support.

For business to function normally and efficiently, it is necessary to interact with the buyer, the entrepreneur and the state. Only in this case will the business come to success.

Internal difficulties

To such problems of small business concernlack of money, inept planning and leadership. Of course, many faced a lack of seed capital. If you have the right amount in your hands, this is not a guarantee of success. After all, you need a fresh good idea, a competent business plan, a constant improvement of your business.

One of the main problems of smallbusiness is the lack of knowledge about the proper planning of activities. This point can not be underestimated, since a thoughtless waste of funds can lead to bankruptcy. If the plan is there, you need to change it to the real conditions that arise.

The administration of the organization should consist ofhighly qualified professionals. Often the leader forgets about his direct responsibilities and turns into an ordinary manager. This situation is not very favorable for the result of the enterprise.

Disputes in legislation

It is fair to say that the firstthe regulatory act on small business was adopted in 1995. Even then it was clear that this law has a large number of shortcomings. To date, another act, adopted in 2007, is in force. It is still constantly changing.

The opening of a small business in Russia involvessome problems. Many are frightened by endless reports, which every entrepreneur must make up for a certain period. There is also a system of penalties for not submitted reports on time, and the payments are pretty decent. Even though the state regularly forms programs to support small business and a simplified system of taxes, payments still remain quite large. Therefore, people do not want to communicate with this, because you can give more money than you can earn.

Regulation and access to government orders

The problems of small business in Russia are due toas well as strict regulation of entrepreneurs by the state. In practice, this is called administrative barriers. These include endless permanent inspections, a complex procedure for registration and liquidation, collection of a huge number of certificates.

As foreign practice shows, the fewer different obstacles for small business, the better it functions. Getting rid of such barriers will bring many benefits.

It's no secret that the state does everything in its powersupport a small business. However, to get help, you need to try hard. If there is any state order, there are many who wish. And often in the end he gives himself to an incomprehensible suspicious company. This is a classic case of a corrupt scheme, and it is very difficult to change. This obstacle is a serious problem for small businesses.

Financing and Sanctions of Small Businesses

Speaking of problems, you can not avoid the topicloans for small businesses. The reality is that not all banks are ready to give a starting entrepreneur money as a loan. According to statistics, only a third of young businessmen can get a loan, the rest are denied. This is due to the fear of the bank that entrepreneurs will not repay debts.

If a person is going to start a business of his ownand open production, then his chances of obtaining a loan are minimal. Banks are much more willing to lend to those who have already taken them and repaid in time. This is called a good credit history. Also, banks often make concessions, reducing interest rates and monthly payments.

In addition, it is worth noting the impact of sanctions onsmall business. The growth of the dollar and euro had a negative impact on entrepreneurship of this kind. Prior to the introduction of sanctions, a large number of small business problems in Russia were observed, and with them there were even more.

Subsidies for opening a business

It is important to note that the state is trying by allforces to support start-ups, so this subsidy was introduced. Within the framework of this program, a businessman can give up to 500,000 rubles. However, to get this amount, you need to meet a number of requirements. For example, it is necessary to operate the enterprise for at least two years. In the organization there should be more than 250 employees, and also there should be no debts on various kinds of obligations.

Funds received from subsidiessmall businesses, you can spend on the necessary equipment, software, etc. It is worth noting that the subsidy is issued only in the capital of our country. You can spend money on renting an office in Moscow, as well as buying raw materials. It is necessary to observe the following condition: the total purchase amount should not exceed 20% of the size of the subsidy.

Other subsidies

In addition to the assistance discussed above, the stateand offers other subsidies. For example, the interest on the loan is very popular. As in the first case, a number of conditions must be fulfilled for this. The small business should be officially registered, the entrepreneur - pay taxes on time, and also have a loan agreement concluded no more than two years ago.

In addition, it is necessary that the organization does notrelated to the sphere of trade, and the money from the loan did not go to the company's working capital. There are also several subsidies to small businesses, for example, reimbursement of expenses for leasing payments. This type of assistance is quite popular, since you can get up to 5 million rubles, but you need to have a financial lease agreement. Also after a few months, the entrepreneur must provide a report on the funds spent.

Prospects for the development of small business

Talking about the future of small business inRussia, it is worth noting that the state understands the importance of business for the standard of living of the country. If this industry is not developed, the middle class can completely disappear, and there will be discrimination of the society. Annually new programs are coming out to support entrepreneurship, the state is on the right track.

The main thing is to ensure the realization of all rights andfreedoms of a novice businessman. According to experts, in the near future, good prospects are seen in those who sell essential goods, that is, food, clothing and footwear stores. In addition, there will never be a maintenance station, car wash, etc., without work.

Despite all the problems of small business, the state is meeting halfway, trying to understand the difficulties and offer its solution.