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РозділІноземна мова, реферати англійською, німецькою
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Introduction.

 

A. Reasons for undertaking research.

 

At the times of Soviet Union, there wasn’t not only small or middle

business, there was not any business at all, everything was public and

there was no owners; so all countries of ex-Soviet Union have to develop

their small enterprises intensively. For Kazakhstan, it was very

difficult, mainly because Kazakhstan had more mineral industry and a

little of agriculture, for the most part - grain. Processing industry

was very weak. When USSR broke up and young Kazakhstan had to care about

itself, enterprises needed huge amounts of money to buy necessary

equipment, employ qualified workers to work in mineral industry and to

develop processing industry, which demand, by the way, more expenses.

However, firstly, government and banks did not have enough money to give

credits to the enterprises and secondly, it was much easier to create

monopoly. Thus, our system of supporting small business was not correct

from the very beginning. But still, 10 years later when it seems that

Kazakhstan had grown roots and almost everything going rather well, our

system of supporting small business in a bad condition (see Appendix 1).

 

There are several reasons why our small business develops very slowly.

Firstly, there was not any optimal government strategy it support small

business. Government did not reveal the appropriate branch and regional

priorities for small business. Secondly, another problem is corruption.

As we know, officials can build huge barriers before entrepreneurs, for

example, different checks, problems with registration, and others.

Thirdly, a high taxes on enterprises.

 

Small enterprises pay more taxes than big ones. This system of taxation

should be more fair, because for small enterprises there is no stimulus

not to develop, but even to conduct their own business. Lastly, in our

country there is no appropriate lending system. Banks do not want to

credit small business, because there is more probability that business

won’t go well, also there is big problems arises with preparing

necessary documents in order to receive a credit, another problem is

liquid enough pledge. So we can see, that enterprises collide with many

problems when they are trying to receive a credit.

 

What for our country should support small business? Small business

creates new workplaces, form middle class, develop trade and production.

If we would not develop small business, there will be no competitive

market, thus there will be no improvements in our market, in products

and services. So, we should develop small business in Kazakhstan to

build up our economy, particularly we should improve our crediting

system of small enterprises, because small firms have to develop

themselves, but they can not do that without money. Thus, our research

problem is with which problems small business meets, when it is trying

to receive a credit.

 

B. Research structure.

 

Our research structure:

 

Necessity to credit small business. In this chapter, we will tell you

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