Ndalama zotsegulira ndi kupanga bizinesi mu 2022

Zamkatimu

Zoyenera kupeza ndalama zotsegulira ndikukulitsa bizinesi
Kodi ndingapeze kuti ndalama zotsegulira ndikukulitsa bizinesi
Katswiri Malangizo
Mafunso ndi mayankho otchuka

Chikhumbo chopanga bizinesi yanu ndichomveka. Komabe, si nthawi zonse ndalama zogwiritsira ntchito. Pali njira zingapo zopezera ndalama zomwe mukufuna. Pamodzi ndi akatswiri, tasanthula njira zonse momwe mungapezere ndalama zoyambira bizinesi kuyambira pachiyambi mu 2022.

Mu 2022, pali njira zenizeni zopezera ndalama kuti mupange bizinesi yanu. Aliyense wa iwo ali ndi ma nuances ake, zabwino ndi zoyipa, zomwe tikambirana mwatsatanetsatane. Ndipo akatswiri athu adapereka upangiri kwa abizinesi atsopano pankhani yopezera ndalama zoyambira.

Zoyenera kupeza ndalama zotsegulira ndikukulitsa bizinesi

Komwe mungapeze	Kuchokera ku boma, kuchokera ku mabanki, kuchokera kwa othandizana nawo, kuchokera kwa osunga ndalama payekha, mothandizidwa ndi crowdfunding
Kodi ndikufunika kubwerera?	Ayi, koma muyenera kutsimikizira kugwiritsidwa ntchito kwawo
Kodi mungapeze bwanji kuchokera ku boma	Mpaka ma ruble 20 miliyoni
Mitundu yothandizira kuchokera ku boma	Zachuma, katundu, zambiri, upangiri, maphunziro
Kupezeka kwa dongosolo la bizinesi	Dongosolo la bizinesi limafunikira pafupifupi nthawi zonse, kotero ndikofunikira kuyamba nalo.
Ndi mtundu uti womwe uli bwino kusankha: mgwirizano kapena kukopa wobwereketsa	Kusiyana kwakukulu pakati pa mawonekedwewa ndikuti mnzakeyo ali ndi ufulu wofanana ndi wochita bizinesi, amatha kukhudza njira zamabizinesi ndikuchita bizinesi. Wogulitsa ndalama amaika ndalama ndikudikirira phindu popanda kusokoneza njira. Izi ziyenera kuganiziridwa posankha.
Zoyenera kuchita ngati bizinesi idasokonekera ndipo wobwereketsa akufuna kuti abwezedwe	Mulimonsemo, wogulitsa ndalamayo ayenera kulipira. Choyamba, muyenera kupereka ndalama zomwe munalandira kuchokera ku malonda a bizinesi, zipangizo, ndi zina zotero. Ngati ndalamazo sizikwanira, mukhoza kugulitsa katunduyo kapena kulowa nawo mgwirizano kuti mulipire ngongole.

Kodi ndingapeze kuti ndalama zotsegulira ndikukulitsa bizinesi

Ndalama zofunika zikhoza kutengedwa ku boma. Ngati thandizoli likuvomerezedwa ndipo wochita bizinesi akutsatira zikhalidwe zonse, ndalamazo siziyenera kubwezeredwa. Ngati njira iyi si yoyenera pazifukwa zina, mutha kulembetsa ku banki kuti mubwereke ngongole, pezani mnzanu kapena wochita bizinesi wamba, komanso pezani ndalama kuti mutsegule ndikupanga bizinesi pogwiritsa ntchito crowdfunding.

Thandizo laboma

Boma limathandizira mabizinesi okhawo omwe amagwira ntchito m'mafakitale ena. Awa ndi madera okhudzana ndi chikhalidwe cha anthu, ukadaulo, agro-industry ndi zokopa alendo¹. Kuphatikiza apo, amalonda oyambira omwe akukonzekera kukonza bizinesi yaying'ono kapena yapakatikati atha kulandira chithandizo.

Palinso thandizo lachigawo. Zimaphatikizapo ndalama zothandizira chitukuko cha magawo ofunika kwambiri, mpikisano wopezera ndalama kwa amayi omwe akuchita bizinesi ndi achinyamata amalonda.

Ubwino waukulu wa chithandizo cha boma ndi chakuti ndalamazo siziyenera kubwezeredwa. Kupindula kwa boma pankhaniyi sikungotulutsa phindu, koma kukulitsa gawo lotsalira pakuwononga makampani atsopano.

Pa nthawi yomweyi, wochita bizinesi yemwe adalandira chithandizo akadali ndi maudindo ena. Ndalama zopangira bizinesi zitha kugwiritsidwa ntchito pazolinga zake, kuphatikiza apo, muyenera kufotokoza zomwe zawonongeka. Apo ayi, wochita bizinesi sadzataya mbiri yake, akhoza kuyang'anizana ndi utsogoleri, ndipo nthawi zina, mlandu.

Mapulogalamu angapo aboma othandizira mabizinesi aboma akuyenda²:

Dzina la pulogalamuyi	Ndani angatenge nawo mbali	Ndi chithandizo chotani chomwe chimaperekedwa
“Yambani”	Amalonda omwe amagwira ntchito muukadaulo wa IT	2,5 miliyoni rubles kuchokera ku boma. Nthawi yomweyo, wochita bizinesiyo ayenera kupeza wochita bizinesi yemwe adzawonjezeranso ndalama zomwezo mubizinesiyo.
"Wopusa wochenjera"	Amalonda osakwana zaka 30. Ubwino kwa iwo omwe amagwira ntchito muukadaulo waukadaulo	500 rubles kuchokera ku boma
"Chitukuko"	Amalonda omwe akukonzekera kukulitsa kampaniyo ndi bungwe la ntchito zowonjezera	Mpaka ma ruble 15 miliyoni ochokera ku boma
"Cooperative"	Mabizinesi ang'onoang'ono ndi apakatikati omwe ali okonzeka kusinthika komanso kulowetsedwa m'makampani akuluakulu	Mpaka ma ruble 20 miliyoni ochokera ku boma
"Internationalization"	Makampani ndi makampani omwe akukonzekera kupanga ntchito mogwirizana ndi makampani akunja	Mpaka ma ruble 15 miliyoni ochokera ku boma

Kuphatikiza pa mapulogalamu onse, palinso zigawo. Otenga nawo gawo amapatsidwa thandizo lachitukuko mu gawo lina la ntchito. Chigawo chilichonse chidzakhala ndi zikhalidwe zake, malamulo ndi malo othandizira. Thandizo pa iwo siliyenera kubwezeredwa mtsogolomo. Kuphatikiza apo, thandizo la boma limatha kutenga mawonekedwe osiyanasiyana.

Zachuma - zopereka, zothandizira, zopindulitsa.
Katundu - kupatsa mabizinesi ufulu wogwiritsa ntchito katundu wa boma pazokonda.
Chidziwitso - kukulitsa machitidwe azidziwitso a federal ndi chigawo kwa amalonda.
Consulting - kufunsana ndi akatswiri amtundu wa maphunziro okhudza kupanga ndi kupititsa patsogolo bizinesi.
Maphunziro - maphunziro aukatswiri ndikuphunzitsanso akatswiri.

Wochita bizinesi yemwe bizinesi yake ndi yaying'ono, yaying'ono kapena yapakatikati, yomwe ndalama zake sizimapitilira ma ruble 2 biliyoni pachaka, ndipo antchito ake sapitilira antchito a 250, azitha kulandira thandizo lachigawo.

Kuphatikiza apo, pali zinthu zina zomwe ziyenera kukwaniritsidwa ngati mukuyembekeza kulandira chithandizo.

Osachepera 51% ya likulu lovomerezeka labizinesi liyenera kukhala la anthu kapena mabizinesi ang'onoang'ono.
Gawo lotsala (losapitirira 49%) la ndalama zovomerezeka likhoza kukhala la mabizinesi omwe siali mbali ya ma SME.
Kuchuluka kwa 25% ya ndalama zovomerezeka zitha kuchitidwa ndi boma, maboma am'madera kapena mabungwe osapindula.
Bungweli liyenera kukhalapo pamsika kwazaka zosaposa 2.
Kampaniyo iyenera kulembetsedwa ndi Federal Tax Service.
Kampaniyo sayenera kukhala ndi ngongole pamisonkho, ngongole ndi zopereka zamagulu.
Bungweli liyenera kuphatikizidwa mu Unified Register of Small and Medium Entities Entities. Ngati sichili m'kaundula, thandizo lochokera ku boma silingalandire, ngakhale zikhalidwe zina zonse zakwaniritsidwa.

Gawo lalikulu la njira zothandizira boma zimaperekedwa kwa mabizinesi, mosasamala kanthu za gawo la ntchito. Komabe, zikafika pakuthandizira ndalama zamabizinesi ang'onoang'ono ndi apakatikati, nthawi zambiri ndalama zimapita ku chitukuko ndi chithandizo chamagulu otsogola azachuma. Tsopano izi zikuphatikiza chisamaliro chaumoyo, ulimi, maphunziro, ntchito zachitukuko, zokopa alendo zapakhomo, matekinoloje otsogola, malonda ogulitsa ndi malonda, ndi chikhalidwe.

Kuphatikiza pa mapindu omwe ali pamwambawa, akuluakulu am'madera angapereke thandizo lina.³.

Kubwereketsa zida. Kulipiridwa kwa gawo lina la ndalama zolipirira kumapeto kwa mgwirizano wobwereketsa zida kumaperekedwa ndi ndalama. Malipiro amafika 70% ya ndalama zofunika. Kuti mulandire, muyenera kutenga nawo mbali pakusankhidwa kwa mpikisano.
Kulipira chiwongola dzanja pa ngongole. Ngati wochita bizinesi adatenga ngongole kuti atukule bizinesi ndikuthandizira, boma lingamuthandize kulipira chiwongola dzanja.
Kuchita nawo ziwonetsero. Kuchuluka kwa chipukuta misozi sikudutsa 50% ya ndalama zomwe zimafunikira. Pokhala ndi chiwonetsero m'gawo la Federation - mpaka ma ruble 350, kudera lakunja - mpaka ma ruble 700.
Kwa kampeni yotsatsa. Kuchuluka kwa subsidy ndi ma ruble 300. Simalipiridwa ndi ndalama, koma katundu kapena mautumiki omwe amafunikira kuti ayendetse kampeni.
Pazitsimikizo zazinthu, zotengera katundu kunja, kupeza ziphaso ndi ma patent - mpaka ma ruble 3 miliyoni.

Zambiri zamtundu uliwonse wa subsidy zitha kupezeka ku ofesi yachigawo ya Federal Corporation for SMEs. Mndandanda wawo ukupezeka patsamba la mybusiness.rf kapena patsamba la Corporation lomwe.

Mutha kupezanso upangiri pamiyeso yonse yothandizira boma pabizinesi poyimbira hotline. Mndandanda wa manambala a federal ndi zigawo ali patsamba la mybusiness.rf. Kuphatikiza apo, kufunsana pa intaneti ndizotheka kuchokera ku malo a Bizinesi Yanga pa SME Digital Platform, gwero lovomerezeka la Unduna wa Zachitukuko Zachuma ku Federation.

Komabe, pali nthawi zina pomwe thandizo lingakanidwe.

Gawo la ntchito lasankhidwa lomwe silikuthandizidwa ndi boma. Izi ndi kupanga zinthu za fodya, mowa, inshuwaransi ndi mabanki.
Pempho la thandizoli litumizidwanso.
Mapulani olakwika abizinesi. Ndalama ndi ndalama sizimaganiziridwa mwatsatanetsatane mokwanira, zowerengera zofunikira zikusowa, nthawi yobwezera ndi yaitali kwambiri, kufunika kwa chikhalidwe ndi zachuma sikunafotokozedwe.
Kuchuluka kwa ndalama zomwe zimafunikira kumachulukitsidwa.
Njira zoyendetsera ndalama sizinafotokozedwe. Ichi ndi chimodzi mwa zinthu zofunika kwambiri. Ziyenera kukhala zomveka bwino kuchokera m'malemba zomwe ndalamazo zikuyenera kugwiritsidwa ntchito. Ngati sizili choncho, mabungwe a boma sadzatha kuwongolera ndalama zomwe zaperekedwa pa bajeti yomwe yaperekedwa.

Ngati simukudziwa zomwe mungalembetse komanso ndi mitundu yanji ya zothandizira yomwe ili yoyenera kubizinesi yanu, ndizomveka kuyamba ndi kukambirana ndi Federal SME Corporation.

Ubwino wothandizidwa ndi boma pamabizinesi	Kuipa kwa thandizo la boma kwa bizinesi
Ndalamazo sizidzayenera kubwezeredwa ku boma	Thandizo lachuma likuyembekezeredwa kumadera ena azachuma okha
Ndalama zotsika mtengo	Ndalama zitha kugwiritsidwa ntchito molingana ndi mawerengedwe omwe aperekedwa, muyenera kupereka lipoti la ndalama zomwe zagwiritsidwa ntchito
Mitundu yambiri yothandizira, kuphatikiza kufunsana, thandizo pakulipira chiwongola dzanja kubanki ndi ena	Kusagwiritsidwa ntchito molakwika kwa sathandizo kuli ndi udindo wowongolera kapena wolakwa.

Banks

Ngati sikunali kotheka kupeza thandizo kuchokera ku boma, mukhoza kuitanitsa ngongole kubanki. Yankho ili ndiloyenera kwambiri kwa makampani okhazikika omwe akhala pamsika kwa zaka zingapo. Choyamba, banki iyenera kutsimikizira kuti ndalamazo zidzabwezedwanso. Chifukwa chake, zidzakhala zovuta kuti bizinesi yoyambira ipeze ndalama zoyenera.

Komabe, kubwereketsa bizinesi kubanki kuli ndi zabwino zake. Izi ndizo, monga lamulo, chiwongoladzanja chochepa, ngongole za nthawi yaitali, kulembetsa mosavuta. Kuphatikiza apo, mabanki ambiri ali ndi mapulogalamu apadera omwe amalumikizana ndi amalonda.

Ngakhale pali mikhalidwe yokhulupirika, musanapemphe ngongole yabizinesi, pendani zoopsa zomwe zingatheke. Onani ngati mungabwezerenso. Muzochitika ziti zomwe zitha kukhala zosatheka komanso mwayi wotani kuti mlandu woterewu uchitike.

Katswiri wazamalonda ayenera kugwiritsa ntchito njira iyi yopezera ndalama mosamala. Kuti mulandire ndalama zotsegulira ndikukhazikitsa bizinesi kuyambira pachiyambi, muyenera kukwaniritsa zofunikira za banki yosankhidwa ndikukwaniritsa zonse.

Monga lamulo, izi ndizovomerezeka kutsata ndondomeko ya inshuwalansi, kuperekedwa kwa chikole kapena guarantor, komanso kupereka ndondomeko ya bizinesi. Panthawi imodzimodziyo, ndikofunika kujambula malemba awiri a chikalatacho: chokwanira ndi chachidule ndi mfundo zofunika kwambiri kuti aphunzire mofulumira ndi ogwira ntchito ku banki. Ndikofunikira kuyang'ana mbiri yanu yangongole ndikutseka zomwe zingachedwe.

Kuthekera kwa kuvomerezedwa kwa ntchitoyo kudzadaliranso zomwe wamalonda amafunikira ndalamazo. Nthawi zambiri, izi ndi kuchuluka kwa ndalama zogwirira ntchito, kugula zida kapena zida, komanso kugula zilolezo zantchito.

Ngongole nthawi zambiri imakanidwa kwa amalonda omwe sangathe kulipira gawo limodzi la ndalama zoyambira bizinesi paokha. Ndiponso, awo amene ali ndi ngongole ndi chindapusa, kapena mabungwe amene anenedwa kuti alibe ndalama kapena ali ndi dongosolo labizinesi losapindulitsa, ali ndi mwayi wokana. Kupeza ndalama zabizinesi kuyambira pachiyambi ndizovuta. Koma ndizothekabe ngati akatswiri a banki azindikira kuti zolinga za bizinesiyo zikulonjeza.

Kuti mukhale ndi mwayi wovomerezeka, mutha kupeza chithandizo kuchokera ku mabungwe omwe angakufunseni ku banki. Ndalama zoterezi zimagwira ntchito m'mabungwe a 82 a Federation. Mwachitsanzo, thumba la Moscow Small Business Lending Assistance Fund, Small and Medium Business Lending Assistance Fund, St. Petersburg ndi ena. Chitsimikizocho chimaperekedwa pamalipiro olipidwa, pafupifupi, ndalamazo ndi 0,75% pachaka cha kuchuluka kwa chitsimikizo.

Ubwino wobwereketsa kubizinesi ku banki	Zoyipa pakubwereketsa bizinesi ku banki
Mitengo yotsika	Ziwopsezo zazikulu zakubweza ngongole ngati bizinesi yalephera
Kusavuta kulembetsa	Kufunika kwa dongosolo la bizinesi
Ngongole yanthawi yayitali	Muyenera kutsatira zofunikira za banki ndikukwaniritsa zonse
Mapulogalamu apadera abizinesi m'mabanki ena	Kuthekera kwakukulu kwa kulephera, makamaka kwa bizinesi yoyambira
Zosavuta kupeza kuposa thandizo la boma
Thandizo lochokera ku mabungwe amalonda omwe ali ndi chitsimikizo ku banki ndizotheka

abwenzi

Musanayambe kufunafuna bwenzi lanu la bizinesi, muyenera kumvetsetsa kuti munthuyu adzakhala mwini wa bizinesi yanu. Ndi bwino ngati mnzanu akufunika kuti atsegule bizinesi yokhala ndi chiopsezo chochepa, mwachitsanzo, sitolo kapena bungwe loperekera zakudya.

Ubwino wa mgwirizano wamabizinesi ndikuwonjezeka kangapo kwa ndalama zoyambira. Kuonjezera apo, ngati majekeseni owonjezera azachuma akufunika, aliyense wa abwenzi atha kutenga ngongole kapena kupereka chitsimikizo kwa mnzake wachiwiriyo.

Nthawi yomweyo, muyenera kumvetsetsa kuti aliyense wa omwe atenga nawo mbali atha kusankha kusiya bizinesiyo ndikufunsa gawo lawo. Alinso ndi ufulu wogulitsa gawo lake la bizinesi kwa munthu wina. Pachifukwa ichi, m'pofunika kufufuza mosamala kudalirika kwa woyembekezerayo. Ndi bwino ngati ali katswiri pa ntchito yosankhidwa, koma nkofunika kuti mumukhulupirire.

Musanakhazikitse mgwirizano, pangani dongosolo labizinesi lomwe likuyenera aliyense. Konzani mgwirizano, pomwe mumakonza mafunso onse okhudzana ndi bizinesi.

Ngati palibe munthu woyenerera m’maganizo mwake, yesani kum’peza pa malo ena apadera a intaneti. Kuphatikiza apo, mutha kuwonetsa projekiti yanu kapena bizinesi yomwe ikugwira ntchito kale ndikulandila ndalama zowonjezera.

Ubwino wa mgwirizano	Kuipa kwa mgwirizano
Kuwonjezeka kwa ndalama zoyambira	Kuopsa kwa mnzake kutuluka mubizinesi kapena kugulitsa gawo
Kuthekera kopeza ngongole ziwiri zamabizinesi	Muyenera kupeza munthu amene mungamukhulupirire ndi mtima wonse.
Simuyenera kuyang'ana guarantor kubanki, mnzanu akhoza kukhala m'modzi

Ogulitsa payekha

Ngakhale zofanana ndi mgwirizano, iyi ndi njira yosiyana pang'ono yopezera ndalama. Kukopa munthu wabizinesi wamba kumaphatikizapo kulandira ndalama zopangira bizinesi popanda kutenga nawo gawo mwachindunji pakuchita bizinesi. Koposa zonse, njirayi ndi yoyenera kwa iwo omwe akukonzekera kupereka mankhwala apadera kumsika kapena kupeza teknoloji yatsopano.

Ubwino wa njirayo ukhoza kutchedwa kuti ndalama zogwiritsira ntchito lingaliro siziyenera kupulumutsidwa. Komanso, simuyenera kuchita zoopsa mukafunsira ngongole kubanki. Pulojekitiyi ikhoza kukhazikitsidwa ndi ndalama za wogulitsa ndalama yemwe sangasokoneze ndondomekoyi, koma amangoyembekezera kubwezeredwa kwa zopindula.

Palinso zoopsa. Mwachitsanzo, kuwonjezera pa ngongole, wogulitsa ndalama ayenera kupereka gawo la phindu, lomwe linagwirizana pasadakhale mu mgwirizano. Kuonjezera apo, ngati nthawi ina bizinesi iyenera kuthetsedwa, wogulitsa adzalandira ndalamazo poyamba. Zitha kuchitika kuti wochita bizinesi ali ndi ngongole zina kwa anthu ena.

Mutha kulumikizananso ndi mabizinesi omwe akhazikitsidwa kale. Nthawi zina amaika ndalama m'mapulojekiti omwe amawoneka osangalatsa kwa iwo. Koma ndikofunikira kuwonetsa osati lingaliro lokha, komanso mawerengedwe ofananira omwe angawonetse phindu la bizinesiyo.

Palinso ndalama zogulira ndalama. Awa ndi mabungwe omwe ntchito yawo ndikuthandizira bizinesi ndikupanga phindu kudzera muzogulitsa. Amayandikira mosamala kusankha kwa omwe akufuna kuti ndalama zawo zamalonda ziziyikidwa. Musanapemphe ku bungwe loterolo, muyenera kupanga ndondomeko yazamalonda. Mutha kusaka osunga ndalama pamasamba apadera.

Ubwino wa osunga ndalama wamba	Kuipa kwa osunga ndalama payekha
Mutha kupeza ndalama zachitukuko popanda kuphatikizira anthu a chipani chachitatu pochita bizinesi	Muyenera kupereka ndondomeko yamalonda yatsatanetsatane ndi kuwerengera ndikuteteza lingaliro lanu
Palibe chifukwa chosunga ndalama kapena kupita ku banki	Gawo la phindu liyenera kuperekedwa kwa wogulitsa ndalama
Mwayi waukulu wopeza ndalama ngati pali chitsimikizo chobwezera ndalama	Ngati bizinesi ikulephera, choyamba, muyenera kulipira wogulitsa

Kraudfanding

Nthawi zambiri, njira iyi imakweza ndalama zothandizira zachifundo. Mukhozanso kupeza ndalama zofunika pa bizinesi, koma ndondomekoyi idzatenga nthawi yaitali.

Ubwino waukulu wa crowdfunding ndikuti osunga ndalama angapo amatha kukopeka ndi ntchitoyi nthawi imodzi. Kwa wochita bizinesi wamba, izi zikutanthauza mwayi woyambitsa bizinesi popanda ndalama zake. Kuphatikiza apo, mutha kutsatsa malonda anu pamsika ndikuwunika zomwe zikufunika mtsogolo.

Palinso zoopsa. Ndikoyenera kuyandikira njira iyi yopezera ndalama mosamala, chifukwa ngati lingaliro la bizinesi lilephera, mbiriyo idzatayika ndipo zidzakhala zovuta kwambiri kuyambitsa bizinesi m'tsogolomu.

Kuti mulandire ndalama kudzera mu crowdfunding, muyenera kulembetsa pa nsanja yapadera pa intaneti, nenani za projekiti yanu ndikuyika mavidiyo.

Ubwino wa crowdfunding	Zoyipa za crowdfunding
Otsatsa adzagawa ndalama zachitukuko, koma satenga nawo mbali pochita bizinesi	Otsatsa ndalama amapanga chisankho potengera ndondomeko yamalonda yatsatanetsatane ndi mawerengedwe
Simuyenera kudikirira mpaka ndalama zomwe zikufunika zitasonkhanitsidwa kapena kutenga ngongole kubanki	Gawo lina la phindu liyenera kuperekedwa kwa osunga ndalama
Chifukwa chakuti osunga ndalama angapo amatha kutenga nawo mbali nthawi imodzi, ndalamazo zidzakhala zazikulu	Ngati bizinesi yatsopanoyo siyikuyenda bwino, mudzafunikabe kulipira osunga ndalama
Mutha kuyambitsa bizinesi yatsopano popanda chilichonse	Zitha kutenga nthawi yaitali kuti mutole ndalama zomwe zikufunika

Katswiri Malangizo

Akatswiri adapereka malingaliro amomwe wochita bizinesi angapeze ndalama zoyenera kuti bizinesi ikule ndikupangitsa kuti ikhale yopindulitsa momwe angathere.

Simuyenera kufunsira ngongole ngati bizinesi ikadalipo pamapepala okha. Zitha kukhala kuti lingaliro silikuyenda bwino, ndipo wochita bizinesi amakhalabe ndi ngongole zambiri. Ndi bwino kuyesa kupeza thandizo laulere pa izi.
Njira yabwino kwambiri poyambira ndikupempha thandizo kuchokera ku boma. Ngati izi sizingatheke kapena chithandizo chinakanidwa, ndiye kuti ndi bwino kuyesa kupeza ngongole kuchokera ku ndalama zapadera za chitukuko cha bizinesi.
Mutha kufunsira kwaulere ku My Business Center, yomwe imapezeka kudera lililonse.
Mu 2022, makampani a IT adalandira njira zowonjezera zothandizira. Ngati mukupita patsogolo m'derali, mukhoza kupeza za ubwino wonse pa webusaiti ya Federal Tax Service mu gawo la "Support Measures".
Pali thandizo laulere lochokera ku boma monga thandizo la ndalama, ndalama zothandizira ndi ntchito zina. Pogwiritsa ntchito ndalama zomwe zimagwiritsidwa ntchito komanso zolemba zoyenera, ndalamazo siziyenera kubwezeredwa.

Mulimonsemo, musanagwiritse ntchito izi kapena njira imeneyo, ndi bwino kuunika zoopsa zomwe zingatheke. Ndipo sankhani pasadakhale zoyenera kuchita ngati bizinesiyo iyenera kutsekedwa.

Mafunso ndi mayankho otchuka

Tinapempha akatswiri, mlangizi bizinesi kuyankha kwambiri pafupipafupi mafunso owerenga Maria Tatarintseva, mkulu wa GK KPSS Abramova Alexandra ndi loya, wodziwika bwino, wapampando wa bungwe la Moscow Bar Association "Andreev, Bodrov, Guzenko and Partners", wapampando wa International Center for Development of Youth "Generation of Law". Andrey Andreev.

Ndi njira yanji yopezera ndalama zotsegulira ndikukulitsa bizinesi yomwe wochita bizinesi (IP) ayenera kusankha?

- Sitikulimbikitsidwa kukopa ndalama zobwereka kuti mutsegule bizinesi. Ngati lingalirolo silinayesedwe ndipo kuopsa kwa polojekiti sikudziwika, sikuli koyenera kuika ndalama za anthu ena pangozi, zomwe ziyenera kubwezeredwa, - akulangiza Maria Tatarintseva. - Mutha kukweza ndalama kudzera pakubweza ndalama posonkhanitsa ma pre-oda ndi zolipiriratu kuchokera kwa makasitomala oyamba, ndikuyambitsa ntchito yopezera ndalama papulatifomu yapadera.

Mutha kulembetsa kuti muthandizidwe ndi boma ndikulandila ndalama zomwe mukuyang'ana pansi pa madongosolo osiyanasiyana a federal kapena zigawo - zothandizira, thandizo. Ngati ndalama "zaulere" sizikupezeka, muyenera kulembetsa kubwereketsa mwamakonda kuchokera kundalama zokulitsa bizinesi. Ndalama zobwereketsa zimapezeka pano pa 1-5% pachaka, zomwe ndizochepa kwambiri kuposa mitengo yamisika m'mabanki.

Alexander Abramov adanena kuti ndalama zogulira bizinesi zitha kupezeka m'magulu a federal komanso am'deralo. Mwachitsanzo, ma ruble 60 amaperekedwa kwa iwo omwe akufuna "kudzipangira okha" monga gawo la "Thandizo kwa Amalonda Atsopano". Wochita bizinesi aliyense amene akufuna kulandira ndalamazi ayenera kulumikizana ndi nthambi yapafupi ya ntchito yolemba ntchito. Ndalama zomwe zaperekedwa ndizosabwezeredwa, koma padzakhala kofunikira kutsimikizira ndalama za subsidy polemba.

Thandizo lina la bizinesi likhoza kulandiridwa ndi amalonda omwe akhala omasuka ndipo akhala akugwira ntchito kwa miyezi yosachepera 12, pamene kuli kofunikira kuti mukhale wothandizira ndalama mu polojekiti yawo ndikuyika ndalama zosachepera 20-30% ya ndalama zonse. mu kukhazikitsidwa kwake. Wochita bizinesi payekha sayenera kukhala ndi msonkho, ngongole, penshoni ndi ngongole zina. Kuti alandire chithandizo, abizinesi aliyense payekha akuyenera kulumikizana ndi thumba la Small Business Promotion Fund kapena mabungwe oyenerera okhudza chitukuko cha zachuma ndi mfundo zamakampani.

N'zothekanso kumaliza mgwirizano wa anthu, womwe ndi mgwirizano pakati pa ulamuliro wa chitetezo cha anthu ndi nzika. Monga gawo la mapanganowo, bungweli limapanga "mapu amisewu" a munthu amene wapempha thandizo, ndipo amayesetsa kuchita zomwe zafotokozedwa mu mgwirizanowo. Mwachitsanzo, tsegulani bizinesi, pezani ntchito, phunzitsaninso. Mgwirizano wa chikhalidwe cha anthu umatsirizidwa pamaziko a pulogalamu ya boma ya Federation "Social Support for Citizens".

Andrey Andreev amakhulupirira kuti pali njira zingapo zopezera ndalama zothandizira chitukuko cha bizinesi, ndipo aliyense wa iwo ali ndi mphamvu zake ndi zofooka zake. Choyamba, muyenera kumvetsetsa ngati zingatheke kugwiritsa ntchito ndalama zanu. Popeza kuti amalonda pawokha, monga bungwe, amagwiritsidwa ntchito ndi makampani ang'onoang'ono okhudzana ndi mabizinesi ang'onoang'ono, ndizowona kunena za izi. Kuphatikiza kopanda malire ndiko kudziyimira pawokha komanso kusowa kwa maudindo. Zikalephera, wochita bizinesi amangotaya ndalama zake zokha. Kumbali inayi, zingatenge nthawi yaitali kuti apeze ndalama zomwe zimafunikira, ndipo kufunika kwa mankhwala / ntchito kudzatha.

Ndi njira ziti zothandizira kuyambitsa ndi kupanga bizinesi?

"Chigawo chilichonse chili ndi malo a Bizinesi Yanga, komwe samangopereka ndalama zothandizira mabizinesi ang'onoang'ono ndi apakatikati," adatero Maria Tatarintseva. "Kumeneko mutha kugwiritsa ntchito mwayi wokambirana kwaulere, kuphunzitsidwa, kutenga malo m'malo ogwirira ntchito kapena m'gawo la chofungatira chamakampani pazomwe mukufuna, kupeza chithandizo pakupanga zogulitsa kunja kapena kulowa m'misika, kuchita nawo ziwonetsero zapadziko lonse lapansi ndi ziwonetsero. M'malo ena a Bizinesi Yanga, amalonda amathandizidwa kujambula zithunzi za katundu kuti aziyika m'masitolo apaintaneti kapena kulembetsa chizindikiro. Maphunziro a amalonda oyambilira amachitikira nthawi zonse, nthawi zina chifukwa cha zomwe otenga nawo gawo amatha kulandira ndalama, zofunikira ndi zida, kapena kutsatsa kwaulere.

Alexander Abramov adanena kuti kuchotsera misonkho kwa amalonda akuchepetsedwa, makamaka, malipiro akuimitsidwa, kuimitsidwa kwa bankirapuse ndi misonkho ya zero ikuyambitsidwa, msonkho waumwini pazowonongeka ukuchepetsedwa, ndipo njira zina zikuchitidwa.

Kwa mafakitale ena, mwachitsanzo, makampani a IT, njira zingapo zothandizira tsopano zaperekedwa. Mwachitsanzo, kuyimitsidwa kwa kafukufuku wamisonkho mpaka 03.03.2025/2022/2024 ndi zero msonkho wa 3-2022. Makampani a IT omwe avomerezedwa ndi Unduna wa Zakulumikizana alandila njira zina zothandizira boma: ngongole zokonda pa XNUMX%, kuchotsera misonkho pazotsatsa zotsatsa, kuchotsedwa kwa asitikali kwa antchito ndi mabonasi ena. Zambiri za izi zitha kupezeka patsamba la Federal Tax Service of Our Country mu gawo la "Support miyeso - XNUMX"^⁴.

Malinga ndi Andrey Andreev, kuyambira February 2022, nsanja ya digito ya boma ya SME yakhala ikukula, malo amodzi omwe njira zothandizira bizinesi zimasonkhanitsidwa, kuthekera kusaka makasitomala ndi ogulitsa, maphunziro abizinesi akupezeka, ntchito yowunikira anzawo ndi zina. mwayi ukupangidwa.

Pa Januware 18, lamulo lidaperekedwa pakuwerenga koyamba, kulola makampani akuluakulu aboma kapena aboma kuti apange makontrakitala awo kuchokera kumabizinesi ang'onoang'ono ndi apakatikati. Kwa izi, osati njira zothandizira ndalama zokha zomwe zidzagwiritsidwe ntchito, komanso mafomu azamalamulo ndi njira. Kotero makampani ang'onoang'ono adzapeza chidziwitso cha mgwirizano ndi makasitomala akuluakulu.

Kodi pali thandizo laulere lotsegulira ndi kukhazikitsa bizinesi kuchokera ku boma?

Maria Tatarintseva adatchulapo magwero a ndalama zomwe sizingabwezedwe:

• thandizo lochokera ku ndalama zothandizira bizinesi. Mwachitsanzo, m'chigawo cha Novgorod pali Creative Economy Development Fund;

• thandizo loyambitsa bizinesi ku Employment Center;

• Thandizo m'madera pansi pa mapologalamu othandiza achinyamata kapena amayi kuchita bizinesi;

• Kupeleka thandizo ku madera ena monga ulimi;

• mgwirizano wa Social Security kuti atsegule bizinesi kwa omwe amalandira ndalama zochepa.

Andrey Andreev adanena kuti pali zothandizira zosiyanasiyana za boma ndi zopereka zoyambira ndikupanga bizinesi pazifukwa zosasinthika. Mwachitsanzo, ku Moscow tsopano pali mapulogalamu opangira chakudya chachangu kuchokera ku 1 mpaka 5 miliyoni rubles, popanga mafakitale olowa m'malo - mpaka ma ruble 100 miliyoni, thandizo la chipukuta misozi mpaka 95% ya mtengo wake. kuphunzitsa antchito amakampani ndi mabizinesi payekha.

Magwero a

209-FZ http://www.consultant.ru/document/cons_doc_LAW_52144/
Nkhani ya 209-FZ 14 ya Epulo 24.04.2007, 01.01.2022, yosinthidwa pa Januware 52144, XNUMX http://www.consultant.ru/document/cons_doc_LAW_XNUMX/
Budget Code of the Federation" ya Julayi 31.07.1998, 145 N 28.05.2022-FZ (monga idasinthidwa pa Meyi 19702, XNUMX) http://www.consultant.ru/document/cons_doc_LAW_XNUMX/
https://www.nalog.gov.ru/rn77/anticrisis2022/

Ndalama zotsegulira ndikukhazikitsa bizinesi mu 2022