The SME Forum

A discussion in which the speakers are divided into three groups. Each group speaks on a set number of questions. The speaker can elaborate on 2 questions out of 3. At the end expert provide a summary. The order of the rounds is decided in advance between the speakers. Each presentation lasts 2–5 minutes. Group A: bankers; Group B: "non-bankers"; Group C: experts. What is more effective and will play a positive role in improving financial inclusion: subsidizing rates, guaranteed support, or risk sharing with banks and financial institutions? Loan holidays, restructuring and deferrals applied in a difficult economic situation: do these measures allow small businesses to survive a difficult period and adapt, or should such programmes be minimized? Developing alternatives to bank lending: leasing, factoring, micro-financing or other forms? Should interest rate subsidies and should special preferential state programmes be expanded or unified?

Moderator
Pavel Samiyev, Editor-in-Chief, Financial Sphere Section of Bankovskoye Obozreniye Magazine

Pavel Samiyev

Editor-in-Chief, Financial Sphere Section of Bankovskoye Obozreniye Magazine

Pavel Samiev, General Director of the BusinessDrom Analytical Agency, Chief Editor of the Financial Sphere (Bank Review), Chairman of the OPORA RUSSIA Committee on Financial Markets.
Born 18 November 1981 in Moscow.
Education: Department of Economics, Lomonosov Moscow State University (BA and MA degrees), the National Institute of Business MosGU.
Since 2002 – Economist at the Department of Comprehensive Insurance, Ingosstrakh.
Since 2003 – Expert RA: expert of insurance companies rating department and analyst at the Insurance Information Centre.
Since 2004, he has been a leading expert in the insurance companies rating department, later – head of the banks rating department, director of financial institutions rating department. Deputy General Director, Expert RA; Managing Director, Expert RA.
2015–2018 Managing Partner, NAFI Research Centre
2016–2018 Managing Director of NRA.
Since 2016 – Founder and General Director of the BusinessDrom Analytical Agency, Head of the 'Insurance Institute' Analytical Centre under ARIA, Advisor to the General Director of IC UralSib and IC UralSib Life. Member of the Expert Council on Insurance of the State Duma of the Russian Federation, expert and public councils of the DIA, committee on markets and credit organizations under CCI RF, an expert counsel on the insurance of the Bank of Russia, an expert council on the financial literacy of the Bank of Russia, an independent council member of SRO MIR and the NAPCA Council, the Council of the Moscow International Forex Association.

A-Team
Alexey Voylukov, Vice President, Association of Banks of Russia
Anton Kuprinov, Executive Director, Moscow Small Business Credit Assistance Fund
Yaroslav Chereshnev, Managing Director of Digital Bank, Sovcombank
Alexander Chernoshchekin, Senior Vice President, Head of the Medium and Small Business Unit, Promsvyazbank

Alexey Voylukov

Vice President, Association of Banks of Russia

Aleksey Voylukov was born on December 22, 1974 in Krasnoyarsk.
Graduated from the Financial Management Departments of the Moscow University of Steel and Alloys in 1997 and the State University of Management in 2000.
In 2008, he completed his MBA program with the "Strategic Corporate Reengineering and Financial Management" specialization at the Plekhanov Russian Academy of Economics.
In 2009, he passed the professional retraining under the "Bank Top Manager" program at the Russian Academy of National Economy under the Government of the Russian Federation.
Aleksey Voylukov worked in the Central Bank the Russian Federation divisions since 1998. He began his career as an economist of the first category, at various periods of time he worked as a leading economist, chief economist, head of the Division of consolidated analytical work, deputy head of the Consolidated Economic Department.
Since 2008, he worked as a managing director of the office No. 1 of the Moscow Main Territorial Branch of the Central Bank of the Russian Federation.
In June 2011, he was transferred to the position of the Head of the Krasnodar Regional Division of the Southern Main Branch of the Central Bank of the Russian Federation.
From September 2015 to October 2017, Alexei Voylukov worked as Deputy Director of the Cash Circulation Department of the Bank of Russia, before that, from May 2014 to August 2015, he was the Head of the Southern Main Branch of the Central Bank of the Russian Federation.
Since November 2017 Alexei Voylukov has been working as a Vice-President of the Association of Banks of Russia, responsible for the Department of Banking regulation and analysis.

Anton Kuprinov

Executive Director, Moscow Small Business Credit Assistance Fund

In February 2014, by the decision of the Board of Trustees, Anton Kuprinov was appointed Executive Director of the Moscow Fund for the Support of Small Business Lending

In 1988 he graduated from Moscow Finance Institute (Financial University under the Government of the Russian Federation) majoring in international and economic relations, and did a special training in in various areas of banking (investment, project financing, lending, leasing, factoring, etc.); in 1991, he did an internship at Bayerische Vereinsbank, Munich, Germany; in 1994, he completed a course at IRI, Rome, Italy, and did an internship at Banca Commerciale Italiana (Banca Intesa); in 1995–1998, he got a diploma from Swiss Banking School, Zurich, Switzerland. He speaks English, German and Italian.

Anton Kuprinov started his professional career at Ingosstrakh insurance company (1988–1990) where he handled the claims. In 1990–2000 he worked for International Moscow Bank (UniCredit Bank) as the Director for Credit Risks, where he supervised risk assessment and analysis from general practice and methods of corporate loans to troubled debts to managerial decision making in interbank lending and lines of credit with Russian and foreign banks.

In 2000–2009 he held the position of CEO of IMB Leasing and IMB Leasing Company (UniCredit Group). During his work, restructuring and reorganization of all leasing operations was performed, branch network was created and expanded, new leasing products were introduced, other leasing companies were acquired. Under Anton Kuprinov, the company made it on the Top-10 list of Russia’s largest leasing companies, and was awarded with several certificates including that for ‘most rapidly growing leasing company’.

In 2010–2013, Anton Kuprinov headed Absolut Leasing (Absolut Bank, part of KBC Broup, Belgium), where he executed similar managerial functions, handled restructuring and reorganization of leasing business, was involved in building and expansion of the branch network and in introducing new products.
During Anton Kupronov’s work in leasing, more than 1.5 billion euros worth of projects were funded.

Anton Kuprinov is a recognized professional in bank lending and leasing operations, he is one of co-founders and developers of leasing in Russia and in Russian Regions, he is a permanent participant and panellist of finance-related events, and a teacher at the Higher School of Economics.
He is married with three children.

Yaroslav Chereshnev

Managing Director of Digital Bank, Sovcombank

Alexander Chernoshchekin

Senior Vice President, Head of the Medium and Small Business Unit, Promsvyazbank

Education:
Alexander Chernoshchekin graduated from Belgorod State Technological University with honours, specializing in economics and construction materials management.
He is a graduate of the University of Chicago Booth School of Business, EMBA for PSB executives.
Professional experience:
Previously, Mr. Chernoshchekin was employed at Raiffeisenbank as Assistant Director of the Belgorod Branch starting in May 2008.
Joined PSB Bank in 2009 as director of the corporate sales department. In 2013, he was named Vice President – managing director for medium-sized and regional business development. From 2015, appointed Vice President – deputy head of the Middle and Small Business Unit, becoming the head of the Unit in 2016.
August 2016.

B-Team
Roman Goryunov, President, Association of Financial Market Participants «Nonprofit Partnership for the Development of Financial Market RTS»
Maxim Kalinkin, General Director, Gazprombank Leasing
Alexey Kirkorov, President, United Leasing Association (OLA)
Kirill Kosminsky, Executive Director, Association of Investment Platform Operators
Alexey Lazutin, General Director, Mosgorlombard
Alexander Pestov, General Director, Otkritie Factoring
Ilya Pokamestov, General Director, FACTORING PRO
Alexey Primachenko, Managing Partner, Global Factoring Network

Roman Goryunov

President, Association of Financial Market Participants «Nonprofit Partnership for the Development of Financial Market RTS»

Roman Goryunov born in 1975.
In 1997 graduated from the St. Petersburg State Technical University with a degree in information systems in economics. From 1994 worked at the Saint Petersburg stock exchange and headed the organization of trading in securities and financial instruments. From 2001 headed the department of the derivatives market at the NP "RTS Stock Exchange". In April 2005 he was appointed the Vice -President of NP RTS. In December 2006 he was appointed the First Vice President of NP RTS . In July 2007, he was approved for the position of Chairman of the Board of JSC "RTS". In 2011 Roman Goryunov was appointed the First Deputy of Chairman of the Board and Senior Managing Director of JSC «MICEX-RTS". In July 2012 he was appointed the President of Association of Financial Market Participants «Nonprofit Partnership for the Development of Financial Market RTS».

Maxim Kalinkin

General Director, Gazprombank Leasing

Alexey Kirkorov

President, United Leasing Association (OLA)

Kirill Kosminsky

Executive Director, Association of Investment Platform Operators

Alexey Lazutin

General Director, Mosgorlombard

Alexander Pestov

General Director, Otkritie Factoring

Ilya Pokamestov

General Director, FACTORING PRO

Alexey Primachenko

Managing Partner, Global Factoring Network

C-Team
Sergey Bekrenev, President, European Legal Service
Petr Zaselsky, Chairman of the Management Board, SME Bank
Sergey Koziy, General Director, Axioma-Soft
Roman Markov, Head of Financial Inclusion Department, Service for Consumer Protection and Financial Inclusion of the Central Bank of the Russian Federation (Bank of Russia)
Pavel Mitrofanov, General Director, Expert Business Solutions
Olga Samovarova, Deputy Chairman of the Board of the Network, Managing Partner, RUKON Audit
Alexander Sterlyagov, Director, Raizen Group
Konstantin Suntsov, First Deputy Chairman of the Government of the Udmurt Republic
Dmitry Taskin, Growth Sector Development Director, Moscow Exchange
Nikolai Tyurnikov, Founder, General Director, Legal Solutions
Alexey Fursin, Head of the Entrepreneurship and Innovation Development Department of Moscow

Sergey Bekrenev

President, European Legal Service

Sergey Sergeevich Bekrenev, owner and founder of European Legal Service. Candidate of Economics, Master of Political science.
Candidate of Economics, Master of Political science. Expert of the Skolkovo Innovative Fund. Forbes Contributor. Being a businessman since 2000, he is a co-founder of fuel and energy, mining and logistic companies. In 2007 Sergey developed European Legal Service — 24-hour legal online-service. Now it is represented in Russia, Belarus, Kazakhstan, Poland, Armenia, Georgia, Azerbaijan and others. Owner of online medicine consulting service «Teledoktor24», co-owner of service «Nalogiya», co-owner of explaining video studio «Smisloteka» and co-owner of virtual technologies for business «DeepBrain».

Petr Zaselsky

Chairman of the Management Board, SME Bank

Born on 1 May 1976.
In 1998 graduated from the Financial Academy under the Government of the Russian Federation.
From 1995 to 2004, worked in banking and consulting companies.
In 2004–2007, held offices of a Head of Client Operations, Advisor to the Chairman of the Board and then the Director for Corporate Business at PAO Sovcombank.
In 2007–2018 – Deputy Chairman of Management Board at PAO Sovcombank.
From 26 December 2018 – Deputy Minister of Economic Development of the Russian Federation.

Sergey Koziy

General Director, Axioma-Soft

Roman Markov

Head of Financial Inclusion Department, Service for Consumer Protection and Financial Inclusion of the Central Bank of the Russian Federation (Bank of Russia)

Pavel Mitrofanov

General Director, Expert Business Solutions

Pavel Mitrofanov received his bachelor’s and master’s degrees from Moscow State University, Department of Economics.
In 2003, Mr Mitrofanov began his career at Expert RA in the Insurance Companies Rating Department.
From 2006 to 2007 – financial analyst at the IC Renaissance-Zhizn (Renaissance-Life).
From 2007 to 2009 – Head of Investment Ratings, Expert RA.
From 2009 to 2014 – Head of Corporate and Investment Ratings, Expert RA.
From 2014 to 2015 – Director of Corporate Ratings, Expert RA.
From 2015 to present – Managing Director of Corporate Ratings, Expert RA.
Since November 15, 2021 – General Director, Expert Business Solutions LLC.

Olga Samovarova

Deputy Chairman of the Board of the Network, Managing Partner, RUKON Audit

Alexander Sterlyagov

Director, Raizen Group

Konstantin Suntsov

First Deputy Chairman of the Government of the Udmurt Republic

Dmitry Taskin

Growth Sector Development Director, Moscow Exchange

Nikolai Tyurnikov

Founder, General Director, Legal Solutions

Alexey Fursin

Head of the Entrepreneurship and Innovation Development Department of Moscow

Alexey was born on December 1, 1974.
In 1997 he graduated from the State University of Land Management in Moscow.
From 1997 to 2001, he studied at The Russian Presidential Academy of National Economy and Public Administration (RANEPA).
From 1997 to 1998, he worked as a junior specialist in the department of federal lands of the Department of Land Relations Reform of the State Committee of the Russian Federation on Land Resources and Land Management.
In 1998, he moved to the position of chief specialist of the federal lands department of the Land Policy Department of the Ministry of the Russian Federation on land policy, construction, and housing and communal services.
From December 1998 to August 2000 he served as chief specialist of the department of federal lands of the Office of State and Municipal Lands, was an advisor, deputy head of the Department of State Lands of the State Committee of the Russian Federation on Land Policy.
In 2000, he moved to the position of Head of the Legislative Work Division of the Land Reform Administration, worked as Deputy Head of the Land Reform Administration. Until 2004, he worked as the head of the legislative work and regulatory support section of the Land Policy Department of the Ministry of Property Relations of the Russian Federation.
In 2004, he was appointed Deputy Head of the Office of Real and Movable Property of the Federal Agency for the Management of Federal Property and worked in this position until 2007.
From 2007 to 2008, he worked as Deputy General Director for the separation of state ownership of land and regional development in the Directorate of the Federal State Unitary Enterprise "Federal Computer Center for Stock and Commodity Information Technologies (FT-Center)"
In 2008, he moved to the position of head of the Department of Land Resources and Real Estate. Until October 2015, he held the position of First Deputy General Director of the Federal Housing Development Foundation (“RHD FUND”).
In September 2016, he was appointed First Deputy Head of the Department of Science, Industrial Policy and Entrepreneurship of Moscow.
In February 2017, Alexey Fursin was appointed Head of the Department of Science, Industrial Policy and Entrepreneurship of Moscow.
On September 21, 2018, he was appointed Head of the Department of Entrepreneurship and Innovation Development of Moscow.