THE ROLE OF BANK LENDING IN THE DEVELOPMENT AND SUSTAINABILITY OF SMALL AND MEDIUM-SIZED BUSINESSES

Author(s): Niyazbekova Sh.U.

Rubric: Economy

DOI: 10.21777/2587-554X-2025-2-17-26

Release: 2025-2 (53)

Pages: 17-26

Keywords: banking sector, financial and credit support, preferential programs, sustainable development tool, small and medium-sized businesses, lending, financial markets

Annotation: The article presents current measures to support small and medium-sized businesses in the Russian Federa- tion. Priority sectors of small and medium-sized businesses for the provision of investment loans in 2025–2030 are considered. Loans issued to small and medium-sized businesses in 2017–2023 are analyzed, as well as the dynamics of the volume of loans provided to small and medium-sized businesses. The impact of the 2022–2024 sanctions on the availability of long-term financing is considered. The study highlights short-term liquidity instru- ments that can become a starting point for future reforms, strengthening the country’s position as a developing entrepreneurial power. Factors that hinder the development of lending to small and medium-sized businesses are revealed, including regulatory restrictions, insufficient financial literacy, and the high cost of credit resources, and their causes and consequences are considered. The conclusion of the study presents the findings, recom- mendations, and prospects for the development of bank lending to small and medium-sized businesses in Russia.

Bibliography: Niyazbekova Sh.U. THE ROLE OF BANK LENDING IN THE DEVELOPMENT AND SUSTAINABILITY OF SMALL AND MEDIUM-SIZED BUSINESSES // Economics and Management. – 2025. – № 2 (53). – С. 17-26. doi: 10.21777/2587-554X-2025-2-17-26