2409-1634Research result. Economic Research2409-163410.18413/2409-1634-2021-7-4-0-72597FINANCEAssessment of the availability of financial resources for business in the region: results of monitoring conducted by the Bank of RussiaAssessment of the availability of financial resources for business in the region: results of monitoring conducted by the Bank of RussiaBerezhnoyAnatoly S.BerezhnoyAnatoly S.MyasnikovAlexander V.MyasnikovAlexander V.KryksinGennady V.KryksinGennady V.20217400

The article substantiates the importance of the Bank of Russia receiving feedback from various categories of financial market participants (both consumers and financial service providers) as a factor in a comprehensive assessment of the development of the financial market. The authors consider the results of a survey of enterprises of the Belgorod region conducted to assess the availability of financial resources in the 1st half of 2021. The analysis of the current situation regarding the availability of financial services for business is made, and the expectations of economic entities of the Belgorod region for the coming period are presented. The results of the survey clearly demonstrate that there are growth points in the issue of increasing the availability of financing for businesses. In the current situation, it is of particular importance to inform entrepreneurs about alternative financing instruments, many of which are not in sufficient demand due to lack of knowledge about such mechanisms. Conclusions are drawn about the need to intensify activities to inform entrepreneurs about alternative financing instruments (including factoring, crowdfunding, as well as bond issuance). The content of this article expresses the personal position of the authors and may not coincide with the official position of the Bank of Russia. The Bank of Russia is not responsible for the content of the article. All errors that may be contained in this article belong to the authors. Any reproduction of the submitted materials is allowed only with the permission of the authors.

The article substantiates the importance of the Bank of Russia receiving feedback from various categories of financial market participants (both consumers and financial service providers) as a factor in a comprehensive assessment of the development of the financial market. The authors consider the results of a survey of enterprises of the Belgorod region conducted to assess the availability of financial resources in the 1st half of 2021. The analysis of the current situation regarding the availability of financial services for business is made, and the expectations of economic entities of the Belgorod region for the coming period are presented. The results of the survey clearly demonstrate that there are growth points in the issue of increasing the availability of financing for businesses. In the current situation, it is of particular importance to inform entrepreneurs about alternative financing instruments, many of which are not in sufficient demand due to lack of knowledge about such mechanisms. Conclusions are drawn about the need to intensify activities to inform entrepreneurs about alternative financing instruments (including factoring, crowdfunding, as well as bond issuance). The content of this article expresses the personal position of the authors and may not coincide with the official position of the Bank of Russia. The Bank of Russia is not responsible for the content of the article. All errors that may be contained in this article belong to the authors. Any reproduction of the submitted materials is allowed only with the permission of the authors.

financial servicesconsumers of financial servicesfinancial service providersavailability of financial resourcesmonitoring of enterprisesBank of Russiafinancial servicesconsumers of financial servicesfinancial service providersavailability of financial resourcesmonitoring of enterprisesBank of RussiaСписок литературыAnalysis of the state of regional budgets in the central Federal District. Vaganova O.V., Prokopova L.I., Zabnina G.G., (2019). Proceedings of the Southwestern State University. Series: Economics. Sociology. Management. 2019. t. 9. № 3 (32): 109-115. (in Russian).Analytical reference on indicators of financial accessibility for 2020 (based on the results of measurement in 2021), 2021 // Bank of Russia. URL: https://cbr.ru/Content/Document/File/124646/acc_indicators_29072021.pdf (accessed: 12.09.2021). (in Russian).Glagolev S. N., Vaganova O. V., (2013). Financial mechanism for ensuring the innovation process. World Journal of Applied Sciences, 25 (12): 1729-1734.Information content of the agent model of spatial development of Russia based on data from regional and federal information systems Mamatov A.V., Banchuk Yu.A., Mashkova A.L. In the collection: Information technologies in science, education and production (ITNOP-2018). VII International Scientific and Technical Conference. Proceedings of the conference. 2018. pp. 285-290. (in Russian).            Vaganova O.V., (2019). The impact of economic sanctions on the innovative development of Russia // Scientific Bulletin of Belgorod State University. Series: Economics. Computer Science, 2019. – Vol. 46. – № 1: 21-30. (in Russian).Some aspects of the functioning of the regional innovation system on the example of the Belgorod region. Titov A.B., Vaganova O.V. Proceedings of the Baikal State University. 2016. Vol. 26. No. 4: 550-556. (in Russian).Strategy and priority directions for increasing the availability of financial services in the Russian Federation, 2018 // Bank of Russia. URL: https://cbr.ru/content/document/file/87145/str_30032018.pdf (accessed 12.09.2021).Surveys of the Bank of Russia, (2021). A survey for businesses about the availability of financial services. (in Russian).About the Central Bank of the Russian Federation (Bank of Russia): feder. Law No. 86-FZ of 10.07.2002 (as amended on 02.07.2021). Access from help. – the legal system "ConsultantPlus". Source: http://www.consultant.ru/document/cons_doc_LAW_37570 / (accessed 12.09.2021).Paliy E.V., Solovjeva N.E., (2019). The current state of the consumer lending market in Russia // Scientific result. Economic research. – Vol.5, No.3, 2019: 66-71. DOI: 10.18413/2409-1634-2019-5-3-0-7. (in Russian).Development of the regional innovation system in conditions of turbulence, 2016 / O.V. Vaganova, A.B. Titov // In the collection: Actual problems of the economy in the conditions of reforming modern society. Materials for the IV Scientific and Practical International Conference dedicated to the 140th anniversary of the founding of the National Research University "BelSU". 2016: 9-12. (in Russian). Rakhmatullin R.N., Mikhalev O.V., (2019). Sampling for surveys of enterprises: best practices of economic divisions of territorial institutions of the Bank of Russia in regional economic analysis // Economic sciences. 2019, №173: 89-98.Vaganova O.V., Solovjeva N.E., Polukhin O.N., Zakharov V.M., Zabnina G.G., Lesovik R.V., Lesovaya S.L., Ageykina M.E., (2020). Analysis of supply chain in investment activity in the Russian agricultural complex // International Journal of Supply Chain Management. 2020. Т. 9. № 5:1615-1622/.