TY JOUR TI Improving the participation of the banking sector in government lending programs for small and medium-sized enterprises KW Government support for SMEs KW lending to small and medium-sized businesses KW banking mechanisms KW concessional lending KW SME support programs KW guarantee mechanisms KW availability of financing KW regional imbalances KW digitalization of lending KW crowdfunding KW program effectiveness KW improvement of mechanisms JO CRIMINOLOGICAL JOURNAL AU Miheev, D.A. PY 2026 IS 0 PB Moscow University of the Ministry of Internal Affairs of Russia named after V.Ya. Kikot