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The dissertation research is devoted to the development of mechanisms for banks' participation in government credit support programs for small and medium-sized enterprises (SMEs) in modern economic conditions. The relevance of the topic is due to the key role of SMEs in the economy, the aggravation of the problem of accessibility of financing against the background of a high key interest rate and the need to increase the effectiveness of government support. The paper provides a comprehensive analysis of the organizational and institutional aspects of interaction between banks and SMEs, government support tools and the legal framework for regulation. Systemic problems limiting the effectiveness of the programs have been identified: an imbalance of banks' risks and the needs of SMEs, administrative barriers, regional and sectoral imbalances, and low awareness of entrepreneurs. Based on the analysis of the dynamics of SME lending and international experience, the directions for improving the mechanisms of banks' participation are proposed. Key recommendations include the development of digital platforms and AI scoring, the introduction of flexible guarantee mechanisms, incentives for banks through tax incentives and differentiated redundancy, as well as the development of alternative tools such as crowdfunding with government participation. The aim of the proposed measures is to increase the availability of finance for SMEs and ensure the sustainable development of the sector.
Government support for SMEs, lending to small and medium-sized businesses, banking mechanisms, concessional lending, SME support programs, guarantee mechanisms, availability of financing, regional imbalances, digitalization of lending, crowdfunding, program effectiveness, improvement of mechanisms
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