Andrei Goncharov
Chief Executive Officer, OJSC Pervobank
The CBR sees the Top 50 - Top 100 banks as the target segment. These banks are more focused on lending to small and medium-sized businesses, they are more flexible in their approaches to the analysis of SMSB. Moreover, these credit institutions are stable in their performance, they are able to meet all the requirements of the CBR and have sufficient credit portfolio in the SMSB segment. But such banks experience difficulties in raising funds compared to the large ones, so the initiative could be a good support for business development.
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Vladimir Shatalov
Vice-President, Managing Director on small and medium buziness products and technologies development, Promsvyazbank
In our opinion, the system of refinancing should primarily focus on the banks with sufficient experience of working with SMSB, standardized lending and portfolio management procedures, demonstrating a stable quality of the portfolio, as well as having sufficient financial strength and stability. This will allow the Central Bank to approach the establishment of criteria for inclusion the loan in the refinancing portfolio more liberally and to predict the quality of such portfolio. Of course, with the development of the system of refinancing and "testing" of the rules and technology this must necessarily be extended to smaller banks if they meet the specific criteria.
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Sergey Shamin
Deputy CEO, Bank of Settlements and Savings
Firstly, the fact that in recent years they were developing this area, if they have invested significant amounts in the technologies, training, IT, then it is fair to support these banks. Second, the medium-sized banks, for which SMSB are often their main, anchor customers, these banks receive a basic income from their loans.
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