The need to create a service «credit provider» appreciated in the Omsk region

The Working Group on Bank lending to regional investment projects considered the issues of financial support in 2017 year.

In the regional Congress Hall, the Omsk Region Development and Investment Agency held a meeting of the working group on bank lending to regional investment projects, including those implemented with the involvement of government support measures.  

Representatives of banking structures took part in the event.,  ministries of the Omsk region and the business community.

During the meeting of the working group, the participants discussed problematic issues related to lending to investment projects, as well as lending to small and micro businesses in the Omsk region engaged in the agricultural sector.

«A government support tool in the form of loans has been created and is working for large enterprises planning to implement investment projects. «The program 6,5», which we all know about, but the issue of attracting borrowed funds by small businesses remains relevant. Today we invited Pavel Konstantinovich, Head of the Department of Economics, Finance, Accounting and Taxation of the Ministry of Agriculture of the Omsk Region, in order to  to discuss the need for our assistance to Omsk agro-industrial enterprises in using the new preferential lending mechanism», - concluded by the General Director of the Omsk Region Development and Investment Agency Vadim Savitsky.

As explained by Pavel Moskovets, since the beginning of the year, the region has implemented a mechanism for preferential lending to organizations and individual entrepreneurs engaged in the production, primary and (or) subsequent (industrial) processing of agricultural products and their sale, which assumes an interest rate of at least 1,5% and no more 5%. The requirements for borrowers are standard - not to be in the process of reorganization or liquidation and not to have restrictions on business activities, to have the status of a tax resident of the Russian Federation, to be registered in the territory of the Russian Federation, as well as the absence of initiated insolvency (bankruptcy) proceedings and overdue (unresolved) arrears in taxes, fees and other mandatory payments to the budget, and to extra-budgetary funds.

To obtain a preferential loan, you must contact an Authorized bank, there are only – 25. This - «Rosselkhoznadzor», «Sberbank», VTB (PJSC), «ALFA-BANK», «Gazprombank», «Promsvyazbank» and others. Detailed information about the banks can be obtained from the regional Ministry of Agriculture or the Agency for Development and Investment of the Omsk Region.

The mechanism for attracting financing assumes that a borrower who applies to the bank with a package of documents for a loan must also meet the requirements and conditions of preferential loans. After making a decision on lending, the bank sends to the Ministry of Agriculture of Russia a register of those enterprises that apply for this type of financial support. After receiving confirmation from the Ministry of Agriculture of the Russian Federation on the company's compliance with all requirements and if the budget allocation limits are sufficient, procedures are carried out for the bank to include the borrower and the loan in the Register of Borrowers and conclude a loan agreement between the bank and the borrower on preferential terms. For no more than 60 The provision of funds should begin in a few days.

According to the regional Ministry of Agriculture, as of 27 On February, the Ministry of Agriculture of the Russian Federation made a positive decision to attract 143,5 million rubles. subsidies within the framework of this Program.

Vice President «Omsk Regional Union of Entrepreneurs» Igor Zhurikov He invited the participants of the working group to discuss measures to improve the effectiveness of cooperation between financial institutions and small and medium-sized businesses in the process of reviewing and making decisions on financing regional investment projects and other bank loan products.

According to Igor Alekseevich, An accredited credit provider can take over the task of bringing the documents in line with the requirements of the banks. This practice is now spreading in the central regions of the country.

«The loan provider does not provide a guarantee of obtaining a loan, it guarantees that the loan application and applications will be completed to the maximum possible for this particular entrepreneur and loan product. The credit provider is accredited by the bank: the bank makes sure of his qualifications, the provider is privy to all the requirements for the loan application and the documents of the borrower. Similar services exist in some Russian cities.», - highlights Igor Zhurikov.

Following the results of the working group, the participants agreed to evaluate the possibilities of organizing such professional counseling, which can be implemented by a credit provider. This increases the chances of obtaining a loan from regional enterprises that do not have specialists involved in preparing enterprises for lending.

materials:

►Presentation "A new mechanism for preferential lending to agricultural enterprises"