Abdullo Mirazizov, Ilmira Radzhabova, Minisa Abdulaeva, Nurali Rasulov, Mashrab Faizulloev, Lutfiya Rasulova, Ismoil Okilov
Credit system development is an integral part of the national economic stimulation and improvement. The problem, however, is that small and medium-sized business faces difficulties in lending in the majority of developing countries, although they are the driving force of national economy. Main problems of lending to small and medium-sized enterprises are considered in this paper. Examining the structure of internal and external small business financing in 2017 allowed authors to highlight 3 categories of lending that depend on banking structure, human factors and risks. We also substantiate the need for the banking sector reformation, carried out to improve the quality of lending services.