Andrei Goncharov
Chief Executive Officer, OJSC Pervobank
The period of 3-5 years seems interesting, whereas a minimum period shall be not less than 1 year. The rate of bank financing, which, in its turn, is able to provide an attractive environment for small and medium-sized enterprises - not more than 8%.
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Vladimir Shatalov
Vice-President, Managing Director on small and medium buziness products and technologies development, Promsvyazbank
The average maturity of facilities granted to small and medium-sized businesses is ranging from six months to three years, longer periods are needed to finance investment loans for the purchase of equipment or real estate (5-7 years). Currently, with the decrease in investment activity it will be a great help to simplify lending procedures and obtaining funding from the Central Bank for the period of 3 years, with the level of borrowing rates should be for 2-3% lower than the mid-market level of funding of banks - this will cover the cost of the additional expenditures needed for the organization and support of refinancing transaction and lower the interest rate on loans.
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Sergey Shamin
Deputy CEO, Bank of Settlements and Savings
Not less than for one year with annual rate of 9-10%.
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