Krasnodar, 7 August – Yug Times. According to the Central Bank of the Russian Federation, the volumes of crediting of small and midsize businesses have reduced this year: in January – May, the regional business sector received about 90 billion roubles as bank loans, which was by 7%, or 6.7 billion roubles less than for the same period of the previous year. At the same time, the national figure rose by 12%, or 303 billion roubles. It is noteworthy that the entire Southern Federal District showed a negative trend (minus 3%, or 7.3 billion roubles), but the falldown of Krasnodar province was more distinguished than the average figure for the District.
Financial analysts single out a series of reasons that may have affected the crediting of Kuban small and medium businesses.
“The key factor responsible for the lowering of the volumes of crediting of small and midsize businesses is the mid-market rate that has been rising since the end of 2018. As a result, the terms have become less favourable for this category of borrowers,” Tatiana Sterlina, Director of the NEIVA Bank’s Department for Development of Corporate Business and Sales, asserts.
Some analysts attribute this trend to the Central Bank’s rate – in spring, the business community expected that the Central Bank would lower it, and they did not hurry to take loans. But there also exists a different view of the situation. It asserts that the current negative dynamics appeared on the background of the previous intense activity, so that it cannot be judged as a falldown.