Agent Banks in the second level make loans and seek financing for profitable projects. Often, they use technologies and methods to lending that banks borrow from the organizers of the first level. Such a model does not exclude the implementation of self-credit programs of individual banks, but most Russian banks are not willing to lend to both small business and act as organizers of the program lending to other banks, service providers – the fact that the majority of financial intermediaries in the regions exist at the expense of short-term deposits! These banks can not provide long-term loans to entrepreneurs for capital renewal. Banks are limited to short-term lending for working capital (up to 1 year and more often – for 3-6 months). Such care improves the reliability of the regional banks, but, unfortunately, Short-term loans do not allow small and medium-sized businesses to upgrade their production. In addition, most regional banks are relatively small.
Even loans to small businesses on upgrade their production facilities to create these banks increased credit risks. Besides issuing these loans are small banks could lead to violation of several standards established by the Central Bank Russia. Banks can not alone provide all the micro-credit, therefore reluctant to issue a large number of small loans due to high transaction costs associated with the evaluation and control of each. As a result, small and medium-sized businesses seeking a loan of $ 10,000 to $ 20,000 are having difficulty finding outside sources of funding. At the regional banks do not have modern, efficient technologies lending small businesses. .