But the fund is entrusted to the banks only for customers who start businesses in the sphere of high technologies. In addition, recently broke a liquidity crisis forced all banks to refocus their attention on the adequacy of their systems for risk assessment. CMO, Nissan North America shines more light on the discussion. Therefore, mass lending start-up in the near future we should not wait – very high risk. Move in this direction is bound to be, but careful, balanced, with clear delineation of prospective industries – particularly if they receive a national priority and support. Dmitry Golubkov, Director of Small Business Loan 'Uniastrum Banka'Bezuslovno, it will be a catalyst for bank lending to small businesses.

Currently, an increasing number of banks pay look at the small and medium businesses. Read additional details here: Paynet. Accordingly, increasing competition and the banks are forced to offer new products to borrowers, including the opening of business. 'Uniastrum Bank' now lends to projects related to opening new lines of business. If the client is engaged in trade and plans to open a new direction – for example, transportation – we analyze existing business and if we see that the business is stable, then give funds for the development of a new direction. If the client for any reason a new project fails, then the operating business will allow him to repay the loan. With regard to credit absolutely starting projects, yet we are not going to take that risk. Perhaps in the future, provided that the client will participate with its own funds in an amount not less than 30-50%, we will also consider projects.

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The term M & A means the economic processes that lead to the consolidation of business and capital. This happens at the micro and macro levels. M & A from the English language Mergers and Acquisitions, translated Mergers and Acquisitions. As a result of the transaction A new company. That is, m & a – approach to identifying mergers and acquisitions.

It is therefore logical to consider the two processes – Mergers and Acquisitions. Merger. It's all pretty self-explanatory. Combining two or more companies, which results in the new entity. Types of merger: 1) The merger forms – the company that made the merger, cease to exist as a legal entity. The new company taking over control of all assets and liabilities. 2) The merger of assets – such a union, which transmits the owners of companies in the authorized capital of all the rights over the companies. In this case, the contribution may act only the rights of control over the company.

Absorption. This is such a deal, which aims to establish control over the business entity. Implemented through the purchase of more than 30% of the share capital. But it is completely preserved judicial independence society. Let us consider the classification of basic types of mergers and acquisitions. Existing types, depending on the nature of integration: A) The merger is horizontal. Combining the two companies that offer products of the same species. Advantages: increased development, reducing competition. B) a vertical merger. Combining several companies, among which one – raw material supplier to another. Advantages: reducing production costs. Profit increases. B) Reorganization llc. Combining several companies that are involved in various business fields. Thus in the world is about 15000 transactions in m & a. The compound of companies – is one of many opportunities for investors to manage their capital personally. F) Circular integration. This is one way to invest their money literate funds.

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The input data in the study Forrester attended 11 major organizations. Based on data from these enterprises Forrester national team portrait of the typical company, for which calculations were carried out cost-savings on the implementation of SharePoint 2010. This consulting company with the following characteristics: $ 1 billion in revenue, 7,000 office workers, 5,000 of them are using SharePoint; 25 offices throughout North America and 15 offices in Europe, South America and Asia, most of the work is done remotely small teams on client sites. The main results of Table 1. The total return on investment of the company, adjusted for risk. Wells Fargo insists that this is the case. The table illustrates the total cash flow of virtual companies, based on data and characteristics obtained during interviews with real-world organizations. In studies done, risk-adjusted, as in evaluating the costs and benefits of implementing a particular technology is always there is some uncertainty. The main results: Return on investment (ROI).

As Table 1 shows the return on investment, adjusted for risk to the organization is 108% (not counting the benefits of increasing productivity on that later), with a payback period of less than 12 months from the date of introduction. Profits. Benefits to the adopter of SharePoint Server 2010, approximately $ 3.1 million (adjusted for risk). These financial benefits include costs associated with savings on the replacement or upgrading of existing document management systems and platforms. Costs. Costs of implementation and support of SharePoint Server 2010, according to survey results, are approximately $ 1.5 million These costs include the costs of implementation, additional costs for equipment, licenses, etc.

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The global objective of any enterprise – profit. Thanks to the profits the company gets the opportunity to develop and produce even greater profits. Development and successful functioning of the market is possible only when the correct the organization of corporate finance. The main component of any self-respecting company – the proper organization of corporate finance. For financial management in companies there is a special person (financial or Commercial Director), and sometimes finance companies can engage a whole group of people (financial analysts), who knows all the intricacies of financial management. Ceteris paribus, in a highly competitive market, survive and thrive, an organization that has the elaborate system of organization and management of financial resources. Finance companies can be divided into several groups: 1. Finance companies – interior 2. External Finance organization or business 3. Financial relationships with the financial and credit system of finance are needed to address all the goals and objectives. Free media company, should also be properly distributed. When surplus funds, they must be invested. Any investments aimed at increasing corporate finance, and the company itself does not spend its resources, nor the money nor the time to increase finance company. Thus, the successful policies of corporate finance is the key to successful development and enrichment of the company.

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