Тема: Этапы предоставления кредита на примере банка . Учебная работа № 377418

Учебная работа № 377418. Тема: Этапы предоставления кредита на примере банка

Выдержка из подобной работы

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Small business lending in Kazakhstan (предоставление кредитов малому бизнесу в Казахстане)

…..nses. However, firstly, government and banks did not have enough money to
give credits to the enterprises and secondly, it was much easier to create
monopoly. Thus, our system of supporting small business was not correct from
the very beginning. But still, 10 years later when it seems that Kazakhstan had
grown roots and almost everything going rather well, our system of supporting
small business in a bad condition (see Appendix 1).

There
are several reasons why our small business develops very slowly. Firstly,
there was not any optimal government strategy it support small business.
Government did not reveal the appropriate branch and regional priorities for
small business. Secondly, another problem is corruption. As we know,
officials can build huge barriers before entrepreneurs, for example, different
checks, problems with registration, and others. Thirdly, a high taxes on
enterprises.

Small enterprises pay more taxes than big ones. This
system of taxation should be more fair, because for small enterprises there is
no stimulus not to develop, but even to conduct their own business. Lastly,
in our country there is no appropriate lending system. Banks do not want to
credit small business, because there is more probability that business won’t go
well, also there is big problems arises with preparing necessary documents in
order to receive a credit, another problem is liquid enough pledge. So we can
see, that enterprises collide with many problems when they are trying to
receive a credit.

What for our country should support small business?
Small business creates new workplaces, form middle class, develop trade and
production. If we would not develop small business, there will be no
competitive market, thus there will be no improvements in our market, in
products and services. So, we should develop small business in Kazakhstan to
build up our economy, particularly we should improve our crediting system of
small enterprises, because small firms have to develop themselves, but they can
not do that without money. Thus, our research problem is with which problems
small business meets, when it is trying to receive a credit.

B. Research structure.

Our research structure:

1.  
Necessity to credit
small business. In this chapter, we will tell you about needfulness of
developing small business and some ways to realize financing and investing
support.

2.  
Goals for receiving a
credit. In this chapter, you will read about aims of entrepreneurs who are
trying to receive a loan and on what kind of goals banks lend money.

3.   Terms for receiving a credit.
You will read about necessary documents, required in banks and difficulties
with preparing these documents, about meeting with representative of credit
department, about pledge and interest rates.

4.   Interest rates and repayment.
In the chapter we will tell you about one of the most important things, with
which each entrepreneur meets when he receives a loan – interest rates. Another
important thing you will read in this chapter is a day or period of repayment.

C. Research methodology.

We conducted our research on case study and survey. We
reviewed literature, Internet, publishing information, periodical,
science magazines, and reports of different banks. We conducted an interview with respondent Ms Sahauyeva Zhanar, who is
working as a chief accountant in “Oasis” company, this interview was organized
in 3 of April (checklist, see Appendix #1).

II.  
Necessity to
credit small business.

First of all, let us define the
notion of small business. According to the existing law, to small business
refer new and working…