Federal corporation for the development of small businesses. The Credit Guarantee Agency was renamed into the Federal Corporation for the Development of SMEs. Financial support: concessional lending
The mission of the federal "Corporation for SMEs" is to create favorable conditions for the growth and development of SMEs, including to promote greater availability of credit resources for the target group. For this, the company has proven effective mechanisms in its arsenal. Will try to figure out who and how the corporation supports.
What is "SME Corporation"
Small and medium business(SMEs) are considered the “locomotive” of the economy all over the world. It is this sector that has the flexibility and agility that allows you to quickly occupy a free niche and bring products to the market, develop and implement innovative technologies, promptly diversify the country's economy. All developed countries carefully nurture SMEs - among other things, it is a reliable platform for ensuring employment of the population.
After realizing the threat of a collapse of the economy, the Russian authorities not only launched the process of import substitution (by the way, assigning a significant role to SMEs in it), but also puzzled about creating a comfortable environment for small business to grow and increase its competitiveness.
The SME Corporation gives preference to non-trade organizations engaged in priority sectors for the state:
- agriculture;
- construction, transport and communications;
- production: water, gas, electricity / energy, import-substituting products, as well as processing, including the food industry.
A line of warranty products has been developed in the following areas:
- direct guarantees for investments and securing loans for replenishment working capital for the non-trading sector;
- guarantee products for public procurement participants: guarantees for the execution of contracts and securing loans for the execution of contracts;
- warranty products for companies building industrial parks;
- products for changing the terms of existing loan agreements, etc.
Guarantees are provided for a period of up to 184 months, for 1.25% per annum, in the amount of 50-70% of the loan.
The first results of work in the regions. In the Ulyanovsk region, SMEs received 220 million rubles as of February 10. loans secured by the corporation. In the first month of 2016, entrepreneurs of the Ryazan region received 24 guarantees in the amount of 214 million rubles, i.e. they attracted loans for 455 million rubles.
Financial support: concessional lending
The SME Corporation is implementing a program to stimulate the issuance of loans to SMEs in partnership with 12 banks: Sberbank, VTB, VTB24, Rosselkhozbank, Otkritie, Bank of Moscow, Promsvyazbank, RNKB, Alfa-Bank, Gazprombank, Rosbank, Raiffeisen Bank.
Loans are provided at preferential rates - 10-11%, but only to legal entities. Since lending banks are given the right to refinance at the Bank of Russia at 6.5% per annum, the second name of the program is "Six and a Half".
| Requirements for a potential borrower | An SME entity in accordance with the criteria established by Law No. 209-FZ. |
| The legal entity is registered in the territory of the Russian Federation. |
|
| No arrears to the budget and extra-budgetary funds. |
|
| The owners (legal entities) are not registered in offshore zones. |
|
| Positive financial results and positive net assets for the previous year. |
|
| The indicator "Total debt / operating profit" is not more than 5. |
|
| Investment Objective Requirements | Purchase of fixed assets, modernization / reconstruction or launch of a new production. |
| Replenishment of working capital (for non-trading business). |
|
| Loan size and terms | Not less than 50 million, but not more than 1 billion rubles. (in aggregate, up to 4 billion rubles are available to the borrower). Any term, but concessional funding does not exceed 3 years. |
| Interest rate | For small business - 11%, medium - 10% per annum. |
SMEs in public procurement
From the execution of plans for 2016-2018 to increase the participation of SMEs in public procurement are expected:
- in the mass sector - employment growth for SMEs(from 17.8 million to 40 million people by 2020);
- in the high-tech sector and the sphere of non-resource exports - diversification of the economy.
Until now, work in this direction has been carried out mainly to improve legislative framework... In particular, amendments were made to the law No. 223-FZ of 18.07.11 "On the procurement of goods, works, services by certain types of legal entities", a list of large organizations with state participation that are required to purchase products from SMEs has been compiled. Another concrete result is the approval by state-owned companies of plans for procurement from SMEs.
As of February 2016, the corporation's website contains: a list of the largest customers who are required to cooperate with SMEs, procurement plans and internal documents interaction companies. However, the matter did not go further, the SME Corporation has no mechanisms of pressure on the state-owned companies to fulfill their plans.
Its powers today boil down to informing SMEs and monitoring the implementation of procurement plans. The head of the corporation himself, Alexander Braverman, is not sure that his structure will be able to organize the process of purchasing state-owned companies from small businesses.
At the end of January, the corporation collected information on unallocated orders for SMEs from large companies by 140 billion rubles, every week this amount grows by an average of 2.5 billion rubles. Small businesses have a chance to satisfy this proposal if schemes and mechanisms for distributing orders appear in the near future.
Information marketing, property and legal support
It is planned to start work in these areas in 2016. For example, a geomarketing information and analytical system is under development, in which materials on the prospects of niches will be posted ( marketing research target markets, etc.).
How the mechanisms of property and legal support will function in real life is not yet clear. However, the corporation is going to focus on international experience... For example, in the UK they practice providing free-of-charge offices to novice businessmen, in the Czech Republic they subsidize the reconstruction / modernization of production workshops and administrative premises.
Need help: know where to go
Support for SMEs is already working in the "one window" mode. All information about the work of the corporation, its powers and opportunities for small business can be obtained on the website http://www.acgrf.ru/. For guarantee support and soft loans, you need to contact authorized banks - partners of the corporation.
JSC "Non-bank deposit and credit organization" Agency of credit guarantees "was officially renamed into JSC" Federal Corporation for the Development of Small and Medium Enterprises "(JSC" Corporation "SME"). The corresponding changes are recorded in the Unified State Register of Legal Entities.
The Central Bank later announced the revocation of the license issued by the Credit Guarantee Agency for banking operations.
Law No. 156-FZ of June 29, 2015, as amended regulations on the development of small and medium-sized businesses was adopted following the decree of the President of the Russian Federation of June 5 on the establishment of a corresponding corporation on the basis of the AKG. The main tasks of the Federal Corporation for the Development of Small and Medium-Sized Businesses are to provide support to SMEs and organizations that form the infrastructure for supporting SMEs; attraction Money Russian, foreign and international organizations to support SMEs; organization of information, marketing, financial and legal support investment projects sold by SMEs; organization of events aimed at increasing the share of purchases of goods, works, services by customers determined by the government of the Russian Federation from SMEs in the annual volume of purchases of goods, works, services, as well as in the annual volume of purchases of innovative, high-tech products; security communication SME development corporations with government authorities, local government and other bodies, organizations in order to provide support to SMEs; preparation of proposals on improving measures to support SMEs, including legal regulation.
At the same time, the corporation will ensure the fulfillment of the obligations assumed by the Credit Guarantee Agency, the organization's website emphasizes.
According to the Unified State Register of Legal Entities, authorized capital The SME corporation is 50 billion rubles, 100% of the shares remain under the control of the state.
“A single institute for support of small and medium-sized businesses will allow combining all resources to support SMEs into one structure and will help to reduce the number of administrative barriers for entrepreneurs,” - earlier Chairman of the State Duma Committee on Economic Policy Anatoly Aksakov.
As reported, it is envisaged, in particular, for the transfer of SME Bank to the management of the corporation. “As far as we understand, in accordance with the decree, Vnesheconombank must transfer 100% of the shares of JSC“ SME Bank ”to the trust management of the FKR SME. Subsequently, VEB will exchange all shares of SME Bank for a stake in FKR SME, ”explained the scheme in, which in this regard placed the ratings of SME Bank for revision.
According to Aksakov, there are about 6 million business entities in Russia, the number of people employed in this sector is 18 million people. The share of small business in the country's GDP is 20%, and this figure needs to be significantly increased, Aksakov emphasized.
“Today an entrepreneur does not understand where to run,” Galina Izotova, the head of the Agency for Credit Guarantees at that time, said to the head of the Agency at that time. She emphasized that “the creation of one window will allow ... to increase efficiency, optimize the work of financial institutions and financial resources and, of course, the entrepreneur will use this resource more rationally, more clearly ”.
Joint Stock Company Federal Corporation for the Development of Small and Medium Enterprises (SME) (or JSC SME Corporation, official website corpmsp.ru) is a development institution in the field of SMEs in order to provide support to these entities:
- financial;
- informational;
- legal;
- property.
All the main tasks and functions of SMEs are reflected in Art. 25 209-ФЗ dated 24.07.2007. The company was established in accordance with the Decree of the President of the Russian Federation dated 05.06.2015 No. 287. The shareholders are the Federal Agency for State Property Management (68% of shares) and Vnesheconombank (32% of shares). In accordance with the Order of the Prime Minister of the Russian Federation No. 1946-r, from 02.10.2015 director general is Braverman Alexander Arnoldovich.
Financial support
Together with the Ministry of Economic Development and the Bank of Russia, a program has been developed to stimulate lending to entities implementing projects in priority sectors (for loans in the amount of at least 5 million rubles, the interest rate is up to 10.6% per annum). More than 40 banks are involved in the implementation of the program.
A national guarantee system (NGS) has been created, within the framework of which direct guarantees are provided for obtaining bank loans.
The Investment Lift Program is being implemented, which provides financial support to entities whose activities are aimed at the production of high-tech science-intensive export-oriented products (loans for the implementation of industrial investment projects at a rate of 5% per annum in the amount of 5 to 500 million rubles for a period of up to 7 years).
A program of preferential equipment leasing is being implemented at rates of 6% per annum (for domestic equipment) and 8% per annum (for foreign equipment).
You can find out more about financial support in your region on the SME Corporation, Business Navigator portal.
Information and marketing support
An information and analytical system was developed and put into operation, aimed at reducing risks by revealing market niches (optimal location, standard format, marketing business indicators). The function of receiving in a "one window" information about all types of federal, regional and municipal support has been implemented.
Legal support
Powers and activities of the SME corporation in procurement
The company also operates within the framework of the implementation of laws 44-FZ and 223-FZ. One of the main tasks is to organize events aimed at increasing the share of purchases (in annual volume) of goods, works, services by state and other companies from NSR entities.
A two-tier control system has been formed in terms of ensuring access of subjects to procurement of the largest customers, providing for the organization and conduct of conformity assessment in relation to 103 specific federal customers and compliance monitoring in relation to 85 individual federal customers, as well as authorized bodies executive power constituent entities of the Russian Federation of conformity assessment in relation to 232 specific customers at the regional level.
The company takes measures to oblige customers to receive goods, works, services performed in accordance with the planned annual volume from SMEs and is entitled to appeal against the actions (inaction) of the customer both to the antimonopoly authority and in court.
Contact Information:
Company details:
INN: 7750005919
Checkpoint: 775001001,770901001
OKPO: 17538241
OGRN: 1147711000040
OKFS: 12 - Federal property
OKOGU: 4210014 - Organizations established legal entities or citizens, or legal entities and citizens jointly
OKOPF: 12267 - Non-public joint stock companies
OKTMO: 45381000000
OKATO:- Moscow, Administrative Districts of Moscow, Central, Districts of the Central Administrative District, Tagansky
Businesses nearby: LLC "RAPSOD", JSC "COMPLEX SOLUTIONS", LLC "AGEKS CONSULTING"
Activities:
Main (by OKVED code ed. 2): 64.99 - Provision of other financial services, except for insurance and pension services, not elsewhere classified
Additional activities according to OKVED 2:
| 82.99 | Activities related to the provision of other business support services, n.e.c. |
Founders:
Is or was in the past the founder of the following organizations:
Registration with the Pension Fund of the Russian Federation:
Registration number: 087105102604
Registration date: 30.06.2014
The name of the PFR body: State institution - Main Directorate of the Pension Fund of the Russian Federation No. 10 Office No. 3 in Moscow and the Moscow Region Municipal District Zamoskvorechye, Moscow
GRN for making entries in the Unified State Register of Legal Entities: 2147711006804
02.07.2014
Registration with the Social Insurance Fund of the Russian Federation:
Registration number: 772707124877271
Registration date: 30.06.2014
Name of the FSS body: Branch number 27 State institution- Moscow regional branch of the Social Insurance Fund of the Russian Federation
GRN for making entries in the Unified State Register of Legal Entities: 2147711006848
Date of entry into the Unified State Register of Legal Entities: 02.07.2014
According to rkn.gov.ru dated 05/10/2019 according to TIN, the company is in the register of operators processing personal data:
Registration number:
Date of entry of the operator into the register: 14.09.2016
Grounds for entering the operator into the register (order number): 229
Operator location address: 109240, MOSCOW, SLAVYANSKAYA, house 4, building 1
Personal data processing start date: 09.09.2016
Subjects of the Russian Federation, on the territory of which the processing of personal data takes place:
Purpose of processing personal data: Organization of a system of information support measures for small and medium-sized businesses, as well as the fulfillment of the requirements of paragraph 25.1 of the Federal Law of 24.07.2007 N 209-FZ (as amended on 23.06.2016) "On the development of small and medium-sized businesses in the Russian Federation" (as amended. and additional, entered into force on 01.07.2016) to ensure favorable conditions for the development of small and medium-sized businesses by raising awareness of the existing opportunities for business development, both existing and potential SMEs.
Description of the measures provided for in Art. 18.1 and 19 of the Law: A person responsible for the processing of personal data has been appointed at SME Corporation JSC. The persons responsible for ensuring the security of personal data have been appointed, including those responsible for operating the means of cryptographic protection of information in the information system SME Business Navigator Portal. The Policy on the processing of personal data has been established. according to the classification and the classification of the information system Portal of the SME Business Navigator was carried out.In order to assess the harm that can be caused to the subjects of personal data, a Model of Threats and the Intruder of the Information System Portal of the Business Navigator of SMEs was developed. - SME navigator. Organized a regime for ensuring the security of premises at the data center level, in which the information system of the SME Business Navigator Portal is located. processing and protection of personal data, including the developed forms of consent, logs, notifications and other documents aimed at ensuring the protection of personal data. Documents have been developed that define the list of persons admitted to personal data for the performance of their official duties. The accounting of machine media is carried out in conjunction with technical means in which they are embedded at the data center level. Requirements for familiarizing employees with relevant structural units with organizational and administrative documents in terms of ensuring the security of information in the information system Portal of the SME Business Navigator.
Categories of personal data: surname, name, patronymic, year of birth, month of birth, date of birth, address, details of the identity document, gender, phone number, address Email, INN (individual taxpayer number), SNILS (insurance number of an individual personal account), OGRNIP (main state number of an individual entrepreneur).
Categories of subjects whose personal data are processed: individuals including individual entrepreneurs registered in the SME Business Navigator Portal information system.
List of actions with personal data: collection, recording, systematization, accumulation, storage, clarification (update, change), extraction, use, transfer (provision, access), depersonalization, blocking, deletion, destruction of personal data.
Personal data processing: mixed, with transmission over the internal network of a legal entity, with transmission over the Internet
Legal basis for the processing of personal data: Federal Law No. 209-FZ of 24.07.2007 “On the Development of Small and Medium-Sized Businesses in the Russian Federation”.
Cross-border transmission availability: No
Database location details: not specified
| Financial reports (accounting indicators): | |||
| Code | Index | Meaning | Unit. |
| H1.1110 | Intangible assets | 141707 | thous. rub. |
| H1.1120 | Research and development results | 0 | thous. rub. |
| H1.1130 | Intangible search assets | 0 | thous. rub. |
| Form 1.1140 | Tangible search assets | 0 | thous. rub. |
| H1.1150 | Fixed assets | 58172 | thous. rub. |
| H1.1160 | Profitable investments in material assets | 0 | thous. rub. |
| Form 1.1170 | Financial investments | 45543000 | thous. rub. |
| Form 1.1180 | Deferred tax assets | 2 | thous. rub. |
| H1.1190 | Other noncurrent assets | 589807 | thous. rub. |
| H1.1100 | Total for Section I - Non-current assets | 46332700 | thous. rub. |
| H1.1210 | Stocks | 5154 | thous. rub. |
| H1.1220 | Value added tax on acquired assets | 0 | thous. rub. |
| H1.1230 | Receivables | 221371 | thous. rub. |
| Form 1.1240 | Financial investments (excluding cash equivalents) | 0 | thous. rub. |
| Form 1.1250 | Cash and cash equivalents | 54506100 | thous. rub. |
| H1.1260 | Other current assets | 29477 | thous. rub. |
| H1.1200 | Total for Section II - Current Assets | 54762100 | thous. rub. |
| H1.1600 | BALANCE (asset) | 101095000 | thous. rub. |
| Form 1.1310 | Authorized capital (share capital, authorized capital, partners' contributions) | 92800000 | thous. rub. |
| Form 1.1320 | Own shares repurchased from shareholders | 0 | thous. rub. |
| H1.1340 | Revaluation of non-current assets | 0 | thous. rub. |
| Form 1.1350 | Additional capital (without revaluation) | 0 | thous. rub. |
| Form 1.1360 | Reserve capital | 312754 | thous. rub. |
| Form 1.1370 | Retained earnings (uncovered loss) | 3004930 | thous. rub. |
| H1.1300 | Total for section III- Capital and reserves | 96117700 | thous. rub. |
| H1.1410 | Borrowed funds | 0 | thous. rub. |
| H1.1420 | Deferred tax liabilities | 186936 | thous. rub. |
| H1.1430 | Estimated liabilities | 2893230 | thous. rub. |
| H1.1450 | Other liabilities | 0 | thous. rub. |
| H1.1400 | Total Section IV - Long-term liabilities | 3080170 | thous. rub. |
| H1.1510 | Borrowed funds | 0 | thous. rub. |
| H1.1520 | Accounts payable | 601189 | thous. rub. |
| H1.1530 | revenue of the future periods | 0 | thous. rub. |
| Form 1.1540 | Estimated liabilities | 1295760 | thous. rub. |
| H1.1550 | Other liabilities | 0 | thous. rub. |
| H1.1500 | Total Section V - Current liabilities | 1896950 | thous. rub. |
| H1.1700 | BALANCE (liabilities) | 101095000 | thous. rub. |
| Form 2.2110 | Revenue | 376303 | thous. rub. |
| Form 2.2120 | Cost of sales | 1783170 | thous. rub. |
| Form 2.2100 | Gross profit (loss) | -1406870 | thous. rub. |
| Form 2.210 | Business expenses | 0 | thous. rub. |
| Form 2.220 | Administrative expenses | 1757070 | thous. rub. |
| Form 2.2200 | Profit (loss) from sales | -3163940 | thous. rub. |
| Form 2.2310 | Income from participation in other organizations | 0 | thous. rub. |
| Form2.2320 | Interest receivable | 5000340 | thous. rub. |
| Form 2.230 | Percentage to be paid | 0 | thous. rub. |
| Form 2.240 | Other income | 1607080 | thous. rub. |
| Ф2.2350 | other expenses | 2495890 | thous. rub. |
| Away2.2300 | Profit (loss) before tax | 947599 | thous. rub. |
| Form 2.2410 | Current income tax | 976634 | thous. rub. |
| Form2.2421 | incl. permanent tax liabilities (assets) | 932127 | thous. rub. |
| Form 2.2430 | Change in deferred tax liabilities | -102600 | thous. rub. |
| Form 2.2450 | Change in deferred tax assets | 0 | thous. rub. |
| Form2.2460 | Other | -239 | thous. rub. |
| Form 2.2400 | Net income (loss) | -131874 | thous. rub. |
| Form 2.2510 | Result from revaluation of non-borrowed assets, not included in the net profit (loss) of the period | 0 | thous. rub. |
| Form 2.2520 | Result from other operations not included in the net profit (loss) of the period | 0 | thous. rub. |
| Away 2.2500 | Aggregate financial result of the period | -131874 | thous. rub. |
| Form 3.3600 | Net assets | 96117700 | thous. rub. |
Russia, Moscow, Slavyanskaya square, 4с1
China town
The joint-stock company Federal Corporation for the Development of Small and Medium-Sized Businesses (SME Corporation) was established without a time limit and operates in accordance with The Civil Code Russian Federation, Federal law of December 26, 1995 208-FZ On Joint Stock Companies, Federal Law of July 24, 2007 209-FZ On the Development of Small and Medium-Sized Businesses in the Russian Federation, Decree of the President of the Russian Federation of June 05, 2015 287 On Measures for the Further Development of Small and Medium-Sized Businesses, and other legislative and regulatory legal acts of the Russian Federation. The SME Corporation operates as a development institution in the field of small and medium-sized businesses in order to coordinate the provision of small and medium-sized businesses (SMEs) with support provided for by Federal Law 209-FZ of July 24, 2007 On the development of small and medium-sized businesses in the Russian Federation after the change denomination joint stock company Non-bank depository and credit organization Credit Guarantee Agency. The main objectives of the SME Corporation are: - providing support to SMEs and organizations that form the infrastructure for supporting SMEs; - attraction of funds from Russian, foreign and international organizations in order to support SMEs; - organization of information, marketing, financial and legal support of investment projects implemented by SMEs; - organization of events aimed at increasing the share of purchases of goods, works, services by customers, determined by the Government of the Russian Federation, from SMEs in the annual volume of purchases of goods, works, services, as well as innovative and high-tech products; - ensuring information interaction with government bodies, local governments, other bodies, organizations in order to provide support to SMEs; - preparation of proposals on improving measures to support SMEs, including proposals on improving legal regulation in this area. The shareholders of the SME Corporation are the Russian Federation in the face Federal agency for state property management and the state corporation Development Bank and foreign economic activity(Vnesheconombank) Information on the activities of JSC SME Corporation can be viewed on the website
Vacancies "Federal Corporation for the Development of Small and Medium Enterprises (JSC Corporation SME)" in Moscow:
Specialist in the promotion of warranty products for small and medium-sized businesses
Requirements:
Work experience: from 1 to 3 years. Higher professional economic and (or) legal education. Work experience in the field of sales and / or financial support for SMEs for at least a year. Knowledge in ... Working conditions: M. Kitay-gorod; salary, bonuses based on the performance of KPIs, social package.
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