Rosselkhozbank gives active support to small and medium business in the Kaliningrad region
The amount of a credit portfolio of the Kaliningrad branch of Rosselkhozbank in a segment of small and medium business as on September 15, 2014 has made more than 1, 4 billion rubles. Now the organizations of various fields of activity – agrarian and industrial complex, trade, the industry, service trade use services of Bank.
The wide line of credit products allows to choose the individual decision for each client. Thus, in a segment of small business the most popular products are the credits "Available" and "Rational" which differ in attractive interest rates and long terms of crediting.
"Credit support of small and medium business is one of priority activities of the bank branch. We constantly improve conditions on credit products for this segment and we propose new solutions. Thus, in August of the current year Rosselkhozbank entered a product for legal entities – "An acquisition loan of objects of commercial real estate under their pledge" by means of which clients can expand the business due to acquisition of the non-residential building on the parcel of land leased or being in property", Sergey Aronov, the deputy director of the Kaliningrad branch of Rosselkhozbank has noted. Now for the purpose of sharing of financial risks, and also according to the recommendation of the Ministry of Economic Development of the Russian Federation to the regional ministry of industrial policy, development of entrepreneurship and trade support to entrepreneurs is given by:
- "Fund of support of entrepreneurship of the Kaliningrad region" with function of the regional center of coordination of support of the export-oriented entities;
- "The guarantee fund of the Kaliningrad region";
- "Fund of microloans of the Kaliningrad region".
"The current version of the Program is directed, first of all, to creation of infrastructure facilities of support of small and medium business and leaving off direct financing (distribution of grants) to the entities", - Dmitry Chemakin the Minister of Industry of the KR has noted.
Guarantees of profitability and safety of investments
The federal law of February 25, 1999 N 39-FZ "About investing activities in the Russian Federation performed in the form of capital investments" (with changes and additions)
INVESTMENTS AND INVESTMENT PROCESS
Investments and savings. The role of investments in national economy
The development of any social and economic system considerably depends on investment policy which is pursued in the country. Investments which are put in development of economy do not happen without expenses as at first it is necessary to make investments, and only then if investments were justified and the carried-out calculations were right, means will pay off and can bring in the income. But options when invested funds do not bring in an additional income are possible, and in certain cases they can be simply lost, i.e. in investing activities, as well as in any kind of entrepreneurship, there is a certain risk. But without investments further development of production is actually impossible. Even for simple reproduction it is necessary to support the functioning production equity in a certain working condition and consequently, investments, placements into production are necessary.