Loans Secured by Republican Brands from a Regional Banking Syndicate

Abstract

The subject of the study is loans secured by republican brands from the regional banking syndicate of the Republic of Tatarstan. The object of the study is regional banks and key companies of the Republic of Tatarstan. The relevance of the study is due to the need to introduce promising types of loans, increase interest income and increase the competitiveness of regional banks; providing opportunities for regional companies to raise funds to finance their activities. The goal is to determine the possibility of granting syndicated loans secured by republican brands to the regional banking syndicate of Tatarstan. Information base — official data of the Bank of Russia, Rospatent, companies and banks. Methods of sampling, grouping, analysis, comparison, analogy, synthesis, generalization are used. The results are as follows. The concentration of functioning regional banks in the federal districts was determined as of December 20, 2021. As of October 1, 2021, an analysis of key indicators of banks registered in Tatarstan was carried out. The characteristics of transactions of pledge of exclusive rights to objects of intellectual property (IP on OIP) in Tatarstan for 2014–2021 are presented (pledgers, pledgees, the number and types of OIP pledged, the duration of each of the pledge agreements, the number and date of official state registration, the number of contracts). It can be concluded that the banks of Tatarstan have the opportunity to provide local companies with syndicated loans. Recommendations were given: 1) it was proposed to merge local banks of Tatarstan into a regional banking syndicate to provide syndicated loans against various types of collateral, including intellectual assets owned by leading companies in Tatarstan; 2) consider the possibility of using popular brands of companies operating in Tatarstan as collateral. A list of companies and their brands has been compiled, and characteristics of corporate brands have been given. The list of brands that can be pledged also includes the republican brands “Heritage of Tatarstan” and “Visit Tatarstan”; 3) the expected positive results of interaction for all participants of the regional banking syndicate are determined. Directions of research: assessment of the possibility of attracting banks from other Russian regions for interaction.