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Die Zahl der KMU-Garantien nimmt zu, verliert jedoch an Bedeutung
Over the first nine months of 2024, the volume of guarantee support for small and medium-sized businesses increased by 11%, to RUB 282 billion, according to Kommersant data from the SME Corporation (the operator of the state guarantee system). Coverage also increased from January to September. In 2023, 55,500 companies received full coverage, compared to 31,000. The increase in the number of beneficiaries can be explained by the fact that sureties and guarantees are one of the few types of support that do not depend on the “priorities” of the industry. Coverage increased year on year in almost all sectors. (See diagram) In most cases, the “average confirmation” decreased.
However, the increased risk has reduced the effectiveness of small business loan guarantees for individual companies. With their help, small and medium businesses attracted 715 billion rubles in the first nine months of this year, which is 9% less than in the same period. In 2023. The increase in demand for guarantees is due to the tightening of collateral requirements for banks "in the context of increased risk," the Corporation for Small and Medium Business explains. This also clearly explains the decrease in the loan amount in rubles under a state guarantee.
The dynamics of the industry will be published later, but for now it is known that the leaders there are trade (the industry attracted 226 billion rubles with 100 billion rubles of guarantees and sureties), manufacturing (60 billion and 157 billion rubles, respectively) and construction. is. (37 billion and 104 billion rubles). About half of the state support (more than 338 billion rubles) came from the "umbrella" guarantee mechanism of the SME Corporation (covering up to 50% of loans). This is almost twice as much as from January to September 2023. However, the number of winners has increased significantly - from 11,000 to 30,000. "The tourism sector is actively developing this year. This is evident from the dynamics of financing small and medium-sized enterprises. More than 13.2 billion rubles have already been attracted under the umbrella guarantee. This is twice as much as a year ago," says Alexander Isaevich, CEO of the SME Corporation.
According to statistics, the largest amount of funds attracted by small and medium-sized enterprises through the umbrella mechanism was directed to replenishing working capital, amounting to more than 255 billion rubles. More than 72.5 billion rubles. About 6.6 billion rubles are spent on enterprises used for investment purposes, development of entrepreneurial activity, and 4.6 billion rubles on refinancing loans.