Бизнесу нужны понятные схемыПредпри

Бизнесу нужны понятные схемы
Предприниматели хотят знать от и до всю процедуру получения кредита и опасаются неприятных
сюрпризов со стороны банков.
«Бывает, банки декларируют процентную ставку в 12 или 16%, а на деле она получается чуть ли не
40%, – говорит Андрей Горюнов, председатель совета петербургского отделения «ОПОРЫ РОССИИ». – Были
и такие случаи: в конце сделки учредителю компании давали подписать документ, по которому он закладывает все свое личное имущество (to mortgage one’s possessions) – квартиру, машину. А если предприниматель отказывался, банк грозил не согласовать решение о выдаче кредита (not to approve one’s decision to provide a loan)».
Одно из сдерживающих условий (deterrents) для предпринимателей – отсутствие обеспечения (lack of
a collateral). Начальник отдела маркетинга ООО «Интерхолод» Виктор Кошелев говорит, что хорошо былобы для бизнеса получать кредит не под залог (against the mortgage), а под поручительство (against the guarantee), к примеру, союзов и ассоциаций предпринимателей. «Принимали бы банки такие рекомендации к сведению, это сделало бы кредит доступнее для многих, – считает Виктор Кошелев, – ведь союз прекрасно осведомлен о возможностях и добросовестности (honesty) организаций».
Еще одна проблема, с точки зрения предпринимателей, в том, что банки дают заниженную оценку лик-
видности залога (banks underestimate the valuation of the mortgage liquidity).
«Банки готовы принимать в качестве обеспечения все новое и красивое, а бывшее в употреблении
оборудование, которое хоть и не новое, но прослужит еще не один год, оценивают крайне низко», – сообщает Андрей Горюнов.
Виктор Кошелев говорит, что для производственных компаний было бы интересным условием, как он
называет, «конвертируемый» (“converted”) кредит. «То есть это когда заемщик мог бы расплачиваться с банком произведенным товаром. Конечно, не напрямую, но через какую-нибудь посредническую организацию. Насколько я помню, в начале 1990-х был такой опыт, но он не прижился. Сейчас времена изменились, думаю, такая схема была бы востребована», – вспоминает Виктор Кошелев.

Результаты (английский) 1:

Businesses need clear diagramsEntrepreneurs want to know and the whole procedure of obtaining credit and fear the unpleasantsurprises from the banks."Sometimes the banks declare interest rate in 12 or 16%, but in fact it is almost40% ", says Andrey Goryunov, Chairman of the St. Petersburg branch of OPORA RUSSIA." -Wereand such cases: at the end of the transaction the company founder gave the sign a document in which he lays out all of his personal property (to mortgage one's possessions)-apartment, car. And if the employer refused the Bank threatened not to agree on the decision on granting the loan (not to approve one's decision to provide a loan).One of the constraints to circumstances (deterrents) for entrepreneurs-no security (lack ofa collateral). Head of Marketing Department of LLC «Interholod» Victor Koshelev said that good business byloby receive credit not bail (against the mortgage), and under the guarantee (against the guarantee), for example, trade unions and employers ' associations. "Banks take note of those recommendations, it would make credit more accessible to many," said Victor Koshelev, because the Union is well aware of the capabilities and integrity (honesty).Another problem, from the perspective of the entrepreneurs that banks give under-estimation lick-for mortgage (underestimate the banks the re-valuation of the mortgage liquidity)."Banks are willing to accept as collateral for all new and beautiful, and secondhandequipment which is not new, but will serve a further year estimate is extremely low, "reports the Andrey Goryunov.Victor Koshelev said that manufacturing companies, it would be an interesting condition, as hecalls, "convertible" ("converted") credit. "That is where the borrower could pay the price with the Bank produced the goods. Of course, not directly, but through an intermediary organization. As far as I remember, in the early 1990 's had this experience, but he has not caught on. Now times have changed, I think such a scheme would be in demand, "recalls Victor Koshelev.

Результаты (английский) 2:

Business needs clear scheme
Employers want to know and from the whole procedure of obtaining credit and are afraid of unpleasant
surprises on the part of the banks.
"Sometimes, the banks declare their interest rates to 12 or 16%, but in fact it is obtained almost
40%, - says Andrey Goryunov , chairman of the St. Petersburg branch of "SUPPORT OF RUSSIA". - There were
also cases: at the end of the transaction the company's founders gave to sign a document in which he lays all his personal property (to mortgage one's possessions) - an apartment, a car. And if the employer refuses, the bank threatened not agree on a decision to grant a loan (not to approve one's decision to provide a loan) ».
One of the limiting conditions (deterrents) to entrepreneurs - lack of security (lack of
a collateral). Head of Marketing Ltd. "Interholod" Victor Koshelev says byloby good business to get a loan is not secured (against the mortgage), and under the guarantee (against the guarantee), for example, unions and business associations. "We took to the banks such advice note, it would make credit more accessible for many people - said Victor Koshelev - because the union is well aware of the capabilities and integrity (honesty) organizations."
Another problem, from the point of view of entrepreneurs that banks give underestimation of liquidity
liquidity collateral (banks underestimate the valuation of the mortgage liquidity).
«Banks are willing to accept as collateral all new and beautiful, and the second-hand
equipment, which, though not new, but it will last more than one year, evaluate very low ", - said Andrey Goryunov.
Victor Koshelev says that for manufacturing companies would be an interesting condition he
calls" convertible »(" converted ") loan. "That is, the borrower would pay the bank produced the goods. Of course, not directly, but through some intermediary organizations. As I recall, in the early 1990s, I had such an experience, but it did not catch on. Now times have changed, I think, such a scheme would be in demand, "- says Victor Koshelev.

Результаты (английский) 3:

businesses need understandable pattern
entrepreneurs want from and to the whole credit and fear of unpleasant surprises on the part of banks
.
"happens, the banks declare interest rate of 12 or 16%and in fact it's almost
40%, "says andrew горюнов, chairman of the board of the st. petersburg branch of the" fulcrum ". - be
and such cases: at the end of the transaction учредителю company had to sign a documentso he puts all his personal property to find one's possessions) is flat, the car. and if the owner refused, the bank did not agree on the decision on granting a credit (not to approve one's decision to provide a loan).one of the limiting conditions (deterrents) for entrepreneurs is the lack of security (lack of
a collateral). head of the marketing department of the company интерхолод» victor кошелев saidwhat good былобы for enterprises to obtain credit don't bail (against the mortgage), while on bail (against the guarantee), for example, unions and employers' associations. "ate banks such advice notethis would make credit available for many, is considered кошелев victor, because the union is well aware of the opportunities and integrity (honesty) ". another problem, from the business perspective,banks are low the face
видности collateral (banks underestimate the valuation of the mortgage liquidity).
"banks are willing to accept as security for all new and beautiful, and higher
equipmentwhich, although not new, but the last more than a year, the very низко», says andrei горюнов.
victor кошелев said that manufacturing companies, it would be interesting to what he calls "."конвертируемый» (" converted ") credit. "that's when the borrower would pay to the bank by the product. of course, not directly, but through some intermediary organization. as far as i rememberin the early 1990s was quite an experience, but it's not quite there. now times have changed, i think, such a scheme would be востребована», and victor кошелев.