Інституційне середовище банківської підтримки розвитку малого підприємництва в україні

Abstract

The article is devoted to the study of the evolution of the formation of the institutional environment for the functioning of small businesses in Ukraine and the development of proposals for its improvement to stimulate bank support in the field of small business. The regulatory and legal basis for developing small entrepreneurship has been staged. A portrait profile of a small business entity in Ukraine has been created. A scheme of interaction of state institutions supporting small entrepreneurship by supplementing its infrastructural block with new institutional units has been developed. Within the framework of the existing infrastructure, it is proposed to create a Bureau of credit histories of small business entities and a Unified platform for financing small business development. The priority directions for optimizing regulatory and legal support for small businesses are substantiated. The following are defined as control points for the regulation of small entrepreneurship: approximation of business management and regulation standards to EU standards; development of financial instruments alternative to lending; digitization of financial services, etc. It is essential to direct regulatory efforts in regulating alternative banks’ activities to support financial market intermediaries (fintechs, microfinance organizations, leasing and factoring companies) and diversify funding sources (factoring, crowdfunding). Stimulating the development of microcredit in Ukraine requires a comprehensive approach, the components of which can be simplifying the mechanism of obtaining microcredit, creating conditions for the development of non-bank financial institutions, improving the legislative provision of bank microcredit, state incentives for banks to expand micro- and other types of lending; creation of cooperative banks specialized in lending to small businesses; state support for microcredit information programs; reduction of the tax burden and improvement of investment and credit support mechanisms for small businesses; expansion of the list of state preferential lending programs for small enterprises; gradual increase in the volume of microcredit to support start-ups; expanding the use of digital financial technologies. Keywords: small business, institutional environment, banking support, regulatory and legal support.