News through the eyes of experts

What do bankers and other market participants on the hottest events of the economy that occurred in a week? Restrictions on travel abroad about 291 thousand inhabitants of the country were limited to the right exit out of Russia because of unpaid debts formed. Such sanctions are allowed to repay a debt of $ 3.6 billion USD. But experts say that this measure was not as effectively as previously thought. Irina Poddubnaya, business development director of Sequoia Credit Consolidation: Limiting the debtors in going abroad is an effective way, since many people are accustomed to go abroad on vacation during the holidays. And the suggestions of some resorts, such as Egypt and Turkey are so affordable, that rest in these countries can afford to people with not very high incomes, including those who are in debt. Such a measure helps to understand the importance of debt repayment, which is already recognized by the court and for which initiated the procedure of enforcement proceedings. Only after the return of debtor's debts are able to travel abroad and relax as they used to. In addition, a debt to remove the restrictions on the departure is not enough. Need a bailiff on the abolition of restrictions on exit. This explains the inability to place the debtor even if he repaid the debt, but did not receive a decision on lifting restrictions. Of course, not all debtors are limited to travel beyond the Russian Federation, are trying to go abroad. However, when a person wants to travel outside Russia for the implementation of this desire he will have to pay the debt. That's why so many people when they hear from the media about such measures, a more responsible approach to debt repayment. On the financial advisor for small business President of the Russian stock exchange alliance Anatoly Gavrilenko, proposed the creation of the unit financial advisors for small businesses. In his opinion, such a device can not only make life easier for entrepreneurs, but also improve their financial literacy. Yuri Matrosov, Project Manager, Business angels: I can not disagree with the proposed initiative, such advice will be very popular if it will be funded from the state. Moreover, as I previously mentioned, will need to create a fund to support small businesses, which will review all projects before funding them directly. In addition, the need appparat who would control the outcome of this funding. Now nothing like this, which often leads to the usual waste of money. On Microfinance Organizations Microfinance is not an alternative product, it only fills the part of the market in which banks do not work, said a second professional conference "Lending to small and medium business president of the Russian Microfinance Center Michael Mamut. According to him, last year 30% of microfinance borrowers were entrepreneurs with experience up to a year. And as the credit of this kind has a high degree of risk, and interest rates reached over them 27-28% per annum. Dmitry Smolyansky, marketing director of OAO Finotdel: Fully agree with the words of Mr. Mamut. Yes, indeed, the businessmen - bank clients and clients of microfinance organizations, there is a big difference. If your business is successful and transparent, you have a spotless credit history, you know how to build dozens of necessary papers and otherwise prove to the bank your credit - you deserve the borrower for the bankers. A week later - two bank will consider your application for a credit committee, and after three days of transfer credit money to your account. Microfinance organizations do not share the same customers to "worthy" and "unworthy". We strive to help every entrepreneur to raise its business. For the issuance of loans we do not require collateral or guarantors. Many of our clients is simply nothing left in pledge, and all the "bookkeeping" fit into the barn notebook. Therefore, a package of documents is minimal, as the terms of issue of loans, as is often the account goes on the days and hours. Most often, loans taken by the representatives of small retail trade in consumer goods and food products to increase sales or opening a new one. In these circumstances, the correct risk assessment is the cornerstone of our business - politics, forming as a result, higher rates on loans than the banks. However, with the market expansion of MFIs and promote companies in the region, will soon be a balance of offers from banks and microfinance institutions, and each customer will find it convenient to him the form of financial debt.