Abstract
The presented study touches upon two groups of problems that significantly affect the development of the Russian economy. The first of them is the creation of conditions for the expansion and formation of small business, which, in particular, is a priority area of one of the national projects. The second problem is the establishment of relations of interfirm trust in the domestic business environment, which is in demand in various sectors of the economy and has become, for example, the dominant topic of the St. Petersburg International Economic Forum. Hence, the paper aims to form, on the basis of trust relations, a model of interaction between small enterprises and banks, which makes it easier to obtain loans. The object of the paper is intercorporate (B2B) trust, and the subject is the improvement of relationships between small businesses and banks on the basis of trust. The methodological basis of the study is an integral approach that combines both institutional and sociological views on the phenomenon of trust, and the traditional economic analysis of the relationship between banks and their clients, small enterprises. The analysis showed, on the one hand, the complexity of the relationship between banks and small enterprises, and on the other hand, the prospects of these clients for banks. There was also demonstrated the role of the B2B trust as a tool for establishing steady mutually beneficial contacts of the subjects under consideration. The author concluded that the model of partnership between small enterprises and banks, based on the establishment of relations of trust between the parties, will stimulate investment processes in small business and support its development. The study presents the organizational solutions for the establishment of the proposed model.
Highlights
There was demonstrated the role of the B2B trust as a tool for establishing steady mutually beneficial contacts of the subjects under consideration
The author concluded that the model of partnership between small enterprises and banks, based on the establishment of relations of trust between the parties, will stimulate investment processes in small business and support its development
The study presents the organizational solutions for the establishment of the proposed model
Summary
С учетом сказанного, цель настоящей работы определена как формирование на основе отношений доверия модели взаимодействия малых предприятий и банков, облегчающей получение заемных средств. Далее определены возможности налаживания взаимодействия банков и малого бизнеса на основе доверия и формирования партнерской модели взаимоотношений, а в завершение представлены меры, способствующие становлению данной модели и расширению доверия между малым и средним бизнесом (МСБ) и банками. Для того чтобы оценить значение МСБ для банков, рассмотрим, какую долю занимают полученные ими кредиты в общем объеме средств, выданных 30 крупнейшими отечественными банками (а они, как отмечалось, являются основными кредиторами МСП).
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