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Date: a month ago   Category: Companies

According to what criteria businessmen select bank


Polls show that it is functional Internet bank and an opportunity to obtain the Photo credit: depositphotos.com Bank in the businessman's life — one of key factors after the choice of a niche and a business model. In case the bank suddenly stops the existence, business can lose practically all means. So in what way there is this choice?

of Times in half a year Alfa-Bank conducts a research among clients, and one of questions: "What is important when choosing bank?" The head of the Small business block of Alfa-Bank Denis Osin speaks about results. Denis Osin the head of the Small business block of Alfa-Bank "On the first place is in this rating convenient and functional Internet bank. All businessmen say that the convenient and functional Internet bank is a criterion number one. But the second place — reliability and reputation of bank and on the third — efficiency: how fast the bank registers client payments and what operational day at it". In recent years the world cardinally changed: it was necessary to come constantly to the branch of the bank behind an extract earlier, to bring documents for the credit. Now the businessman in the warehouse or in shop can get the smartphone from a pocket and register payment, submit the application for the credit or place available funds on a deposit. There are still criteria which are considered by owners of business: in what bank higher to obtain chances the credit and that for this purpose is required. For example, in Alfa-Bank without pledge it is possible to obtain the credit to 10 million rubles. Denis Osin the head of the Small business block of Alfa-Bank "It is very accurately possible to divide the need for crediting for two moments for the businessman's life: the first — when he only begins the business and understands that are necessary what - that investments which, most likely, in bank will not give because the company exists the second day. Further it gets out as can - it is own means, means which you received as the credit for the natural person, it is money of acquaintances. And this business started and began to gain steam. Other question if the businessman wants to develop and it has a clear understanding that the range has to grow, in shop the bigger number of shelves, the second cash desk or the third chair in hairdressing salon has to appear. Already there will be then risks of cash gaps which should be closed the credits. And at this moment it is very important to realize as far as you are clear and transparent for bank. Because that amount of funds which is required you will hardly be able to close at the expense of a consumer loan or a loan acquaintances". And for the checked clients — those who are served in bank at least three months — Alfa-Bank are counted, for example, by a comfortable credit limit and itself directs previously approved decision on an express overdraft. And all process completely online. To receive proceeds of credit into the account, the businessman even should not get up because of a table. To add BFM.ru to your sources of news?

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