DIPLOMA Problems of lending to small businesses

3 introduction
Chapter 1. Credit as a tool for attracting debt financing 6
1.1. The essence and types of loans 6
1.2. Advantages and disadvantages of a loan as a financing instrument 17
1.3. Loan's place in the organization's financing strategy 21
Chapter 2. Features of the use of credit as a financing instrument 33
2.1. Factors determining the cost of a loan 33
2.2. Risks associated with borrowing and how to manage them 36
2.3. Analysis of the use of credit as a tool for financing small business on the example of Divo LLC 49
Chapter 3. Problems and directions of development of small business lending in Russia 54
3.1. Problems of bank lending to small businesses 54
3.2. Ways to Improve Small Business Lending 62
Conclusion 74
References 77
Appendices 80