Оценка неплатежеспособности малых и средних предприятий перед банками в Катаре

Целью данной статьи является изучение и выявление факторов, влияющих на неисполнение малыми и средними предприятиями финансовых обязательств перед банками в Катаре, и разработка рекомендаций на основе полученных результатов для регуляторов. Поскольку, развитие малых и средних предприятий (МСП) имеет важное значение для поддержки экономического роста в стране. Несмотря на значительный вклад в экономику, малый и средний бизнес испытывает трудности в вопросах финансирования проектов, зачастую недостаточно необходимых средств для фондирования, и как следствие, возникает необходимость обращения в финансовые институты для привлечения ресурсов. Авторами были изучены данные Банка развития Катара. Был проведен системный литературный обзор и разработана анкета с закрытыми вопросами для выявления причин неплатежей по кредитам малых и средних предприятий. Авторы обратились к малым и средним предприятиям с проблемой невозврата кредита по телефону, поскольку это был единственно возможный способ сбора данных из-за социальной дистанции во время пандемии Covid-19. По базе данных Банка развития Катара было выявлено 142 малых и средних предприятий с просроченными кредитами, после обращения в данные предприятия для сбора данных, было получено 85 ответов. Для анализа была использована описательная статистика и полученные результаты показали, что малые и средние предприятия сталкиваются с рядом проблем при выполнении обязательств перед банками. Более того, высоко конкурентный рынок оказывает негативное влияние на исполнение обязательств и неплатежей малых и средних предприятий. На основе полученных результатов исследования, были разработаны меры и механизмы для решения проблемы неплатежеспособности малых и средних предприятий и дальнейшего развития малого и среднего бизнеса в стране. 

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