Log in to a new single window. Business Wednesday from Sberbank: Platform Overview. Sberbank Business Wednesday: the essence of the project

A few months ago, I had an idea in my head that there is online schools on programming training for adults and offline schools for children. Searching on the Internet and not finding analogues, I decided to launch my online school, but the story is not about it.

To bookmarks

Arose about registration legal entity And I decided to register an IP. I myself am from the Tver region and is registered there, I live in St. Petersburg and registration in St. Petersburg I do not have. Since in the yard of 2018, I wanted to register online. To go for 300 more kilometers to pick up documents from the tax I did not really want.

Registration through tax

I went to the tax site, I immediately find this wonderful service. The essence is as follows:

  • you can register IP online and get documents by mail. There is a nuance - you need a reinforced electronic signature;
  • You can submit documents through the site and pick up the documents in the tax. When issuing documents your personality will be confirmed, the electronic signature is not needed.
  • You can also probably fill out online, print and bring to the tax itself, but I did not find this option when writing a post.

The design of EP costs from 2500 to 3000 rubles on average in St. Petersburg. It is necessary to receive it in the certifying center, on the website of the Ministry of Communications there is a map with the addresses of the UC, only the benefit of it is not enough. Since I personally would rather be useful to sites and telephones of the Uz on this map, and there are no them. I don't burn with EP, I didn't burn Mac OS and I knew that it would be only a headache.

Registration through the "Business Wednesday"

And then I remembered the fact that Sberbank launched the registration of IP online in the Tver region (and two more) as an experiment. Google, I found the site "Business Wednesday". I read, it seems that I need.

You must have:

  • account in Sberbank online;
  • stamp passport of the new sample;
  • smartphone with NFC.

Lyrical retreat - considering that the passport has a 13% of the country's population, it seems, the service cannot be called mass.

I start to register PI through their service:

  • I pass all the steps and before the payment step I receive a message - the "payment service is temporarily unavailable";
  • I try to repeat the procedure again after half an hour - the service is still unavailable;
  • I wrote a letter in support and decided to see what the server is not available. Opened the developer console in the browser and see that the message about the unavailability of the service is, and there are no requests to it.
  • I decided to see JS code and find an interesting code in a minified file. 5 e-mails are listed there and then the condition that I did not fully understand, but it was checked there "if it is a production and e-mail one of the 5 of the following 5, then you can resolve the request, otherwise" payment service is temporarily unavailable " .
  • Thilly thinking, I wrote the question for these 5 e-mails - and whether they are repaired. After some time, I was answered from the support that "the mistake really is and we will fix it today."
  • I decided to wait, but in the meantime, she was completed with what it would be necessary to issue electronic signature. Two days passed, the service did not earn - the support was answered sluggishly and I received an electronic signature.

I have not yet knew what entertainment to activate this electronic signature (it took 5 hours with a summary despite the fact that I also used the computer on Windows). But somewhere two hours after the start of attempts to activate an electronic signature, I decided to check the service from the business environment again. And he earned (e-mails from the code disappeared)! I was surprised that the service issued me the amount of duties when paying - 10 rubles, but I thought it was reduced by their program. I signed and sent documents - this took about 20 minutes.

3 days passed - it's time to come the answer from the tax. I am writing in support to find out what the problem is. They answer what is currently clarified and after 3 hours ~ at 9 o'clock in the evening comes a refusal from the tax, because I have incorrectly paid duty and the documents are incorrectly decorated. The next morning, from the support, the answer is that at that moment I registered the IP, they changed the size of the duty to 10 rubles, as the testers checked the operation of the service. Apologizing for it Business environment He offered me to participate in their marathon for entrepreneurs (not very understandable to me an event with a large number of info businessmen in promotional video). Sighing and thinking that with the processes from the guys a mess and I would have already talked seriously (up to dismissal) with those who are responsible for the launch of this service, I filed documents for registration again. After that, I came a letter from the support that they will present the service on the PMEF and better until 16:00 do nothing, but it was already done.

The day was held (here it is necessary to mention that I decided to change the operator and changed the SIM card in the phone) and I get alert from mobile application Business Environment that I can release EP for IP. I go to the application, I receive an error message. Repeating this operation n times, I assume that it is in changing the SIM card. I am writing in support and forget about it for a day, in a day I get a response from them, which is very likely that the case is in changing the SIM card and that the developers will contact me on Monday and will try to make me the registration process for the end. I inserted an old SIM card into the phone and, even though she was inactive, the application started and I got an electronic signature for the IP.

I wrote to them what happened to understand independently, using the old SIM card. From the support came a joyful answer in the style "Good, that everything turned out!". Today I have to get documents on IP, in any case I hope so.

RESULTS

  • Current EP through the UC, in my opinion absolutely unparalleled, the procedure for their receipt is not very convenient and transparent, why so much uz for me is also a mystery.
  • The service "Business Wednesday" from Sberbank is a cool idea, for the most part I have not met a formal approach - the guys tried to help. But it is felt that most likely the management at a level is weak and the development process (including analytics and testing) is built inappropriate or something.

According to statistics, approximately half of novice entrepreneurs who do not have experience in doing business cannot achieve success and create a competitive organization. The main problem is a lack of experience, knowledge and, of course, material assets. It is to support young russian entrepreneurs, representatives of small, medium and large business started new project Business environment. Sberbank created this project, that is, this is a subsidiary of one of the largest banks in Europe.

about the project

Business Wednesday is a portal for entrepreneurs. The goal of the project is the provision of information services to representatives of small, medium and large businesses in Russia and the CIS countries. After all, as stated earlier, novice businessmen do not have a sufficient amount of the information that is necessary for building a successful and profitable enterprise.

What tasks do the draft business environment:

  1. Development of entrepreneurial skills from novice businessmen.
  2. Information Help for existing entrepreneurs whose goal is to promote and develop business.
  3. Providing business tools for beginner entrepreneurs of services and applications.

Speaking simple words CJSC Business Wednesday, a project created by Sberbank is an online playground. Its participants can enjoy all the services remotely on the official website. On one Internet resource, all the answers to all questions, which, as a rule, should know the beginner.

note that distance learning It is carried out on a paid basis, with tariffs for certain services you can find on the official website of the project business environment.

Site navigation

In addition, since the business environment is an online project, it means that all services of this organization are provided online. If you open the site, you will not be able to not notice his nice interface available for understanding navigation, current current offers from the provider of information services. Here you will find the trading platform of service applications to start and conduct business activities.

In the "School Business" section, the user will find training video. This is a real remote school business. No matter what field you are planning an enterprise in this section The project is collected by training materials necessary for each entrepreneur. Each lesson is paid separately, so the user has the opportunity to learn that the information that will be most useful for it.

The user can subscribe to new courses and receive topical information first.
On the project site you will also find the section "Club of discounts". This is electronic marketplaceWith which users can receive information services or B2B products on the best conditions. By the way, the B2B product is an economic and informational interaction between two subjects, that is, when the business is not working on the end consumer of goods or services, but to another business.

Business Wednesday Site

That the project gives users

Naturally, the first advantage of the project is information Support entrepreneurs. Moreover, this participation will be equally useful both at the business organization stage and during its growth and development. The online playground presents a huge number of training material. In addition, participants have the opportunity to attend seminars or webinars online. At the moment, more than 247 thousand entrepreneurs are involved in this project.

The second possibility that the business environments provides young entrepreneurs is a single window. In other words, this is the registration of IP online remote, registered users can transfer documents for registration via the Internet. After registering the user, it will be enough to pick up documents.

Another opportunity is a trading platform for entrepreneurs, users can sell and buy services and goods without intermediaries, which is beneficial for the other side of the transaction. By the way, here every businessman has the opportunity to find a reliable partner for his business.

Registration form on the site

How to become a member of the project

It's pretty simple, for this it is not necessary to go to Sberbank, registration of a new user is carried out on the project website. In the top of the menu panel, find the "Logging to the site" link, then select "Register" before you will open the form you want to fill out, namely, specify the following data:

  • the address email;
  • surname;
  • patronymic;
  • choose a country;
  • specify the phone number;
  • create a password;
  • agree with the Terms of Use and confirm the registration.

In the future, entering the site will be done using the login - this is an email address and password.

Be sure to fill out your account, specify information about your company and other information. By the way, access to some materials of the site is available only to registered entrepreneurs, because the system may ask to introduce an individual tax number of the organization.

Sberbank services available to participants

Business Wednesday is a project organized by the founders of Sberbank of Russia, respectively, by all participants this project Some products from the bank are available. They can be found independently, first in the top of the menu panel select the reference CRB \u003d ˃ Bank. Here you will find all the current suggestions of PJSC Sberbank on lending to individuals.

Consider what credit products offers a bank for enterprises older than 6 months:

  • non-tariff;
  • for the purchase of real estate and cars;
  • to buy equipment into lease;
  • on the implementation of own and government projects;
  • on the replenishment of the revolving resources of the enterprise.

On this site you can choose a loan for the specified parameters using a simple form. You can just specify the desired credit parameters and the system will automatically select the current credit offer for you.

Credit proposals Sberbank for entrepreneurs

Offers for novice

Lending to the novice entrepreneur for the bank is a very risky event, so suggestions for newcomers on credit products are limited by consumer loans with or without credit cards. Although getting a loan at the start of the newcomer can still, but only on the organization of the enterprise according to the Sberbank Model Plan or for Franchise.

But for young businessmen, the Bank can offer financial support activities, namely:

  • settlement and cash services;
  • collection;
  • participation in the salary project;
  • insurance of business objects;
  • remote service.

Information about bank services for beginners can be found in the same section, that is, you need to go through the CRH link and select the "Bank" section.

If you are only planning your activities, but do not know where to start, then you definitely need a draft business environment. Here you will find a lot of business ideas, learn how to build an ideal business model, how to optimize the work of the staff and much more. After you decide on the industry and the sphere of your business, you will be offered a huge number of educational material on this topic. Following the advice of specialists, it will probably be much easier to become a successful entrepreneur.

Everyone who at least once thought over the opening of his own business, came across a number of problems. For example, most future entrepreneurs are not fully confident in the subject of their startup. They do not know where to start and in what instances to contact. The project "Business Wednesday" is one of the Sberbank brams, literally facilitating the activities of businessmen, representatives of small, medium and large businesses. Let's figure it out, what is his feature?

Brief reference about the project

The project was created specifically for entrepreneurs. According to the developers, his task is to provide information and other types of services for the development of the Russian business. The work of this innovative portal keeps on three principles:

  • assisting novice leaders and businessmen in the development of their abilities and individual skills;
  • assistance in promoting business;
  • providing tools, services and applications for the entrepreneur.

What key components act on the portal?

"Business Wednesday" - the project of Sberbank of Russia, working on its own virtual platform Dasreda.ru. Going to the portal site, you can immediately notice a convenient menu and navigation, a friendly interface, the availability of current proposals from credit organization, store of various service applications for opening and further maintaining your own business.

Here there is also an electronic trading platform of the B2B group, allowing participants to buy and sell various goods and services. For beginners, the service provides for virtual training in the so-called distance education school.

In the "Training" section, everyone can issue a subscription to the courses and seminars for entrepreneurs, and after making them the calendar of important events and events. Moreover, the majority of similar tools for doing business are free.

Among other things, the "Business Wednesday" (Sberbank is the official representative of this subsidiary) provides access to the interactive daily issue of the magazine.

What prospects do Sberbank portal for entrepreneurs?

With the help of the new project of Sberbank, each entrepreneur has the opportunity to issue online applications for any products of this financial organization. In addition, novice businessmen can pass a simplified registration procedure for their IP. After that, you will only have to appear in the tax service and pick up the paper version of your certificate of a private entrepreneur.

How can I join the project?

In order to join the project, it is not necessary to attend the Sberbank branch (although it is also possible to register). It is enough to have access to the Internet and a small supply of free time.

After entering the login, password and confirmation, you need to fill your profile by specifying information about your organization, identification code and make other personal information. What credit opportunities opens the "Business Wednesday" organization?

What credit products are available to project participants?

Entering the Sberbank portal, you can easily find the Bank tab. If you click on it, you will automatically transfer to the page where credit products of the financial organization are listed. By the way, here you can immediately submit an online application for opening an account in Sberbank.

Among favorable sentences For a business that exists over six months, on the project "Business Wednesday" it is possible to find the following loans:

  • for any purpose (pledged and without it);
  • on the replenishment of their own revolving resources of the enterprise;
  • on the implementation of projects from the state;
  • for the purchase of equipment, real estate, vehicles;
  • for the purchase of transport, special equipment and equipment in leasing;
  • to provide financing for new own projects.

What types of loans are provided for newcomers?

There are also information for beginners who only plan to start their own business. So, they can take loans for a typical business plan or franchise, that is, to open a business. But all this is possible, provided that the Bank himself will approve this business plan or approve work on the franchise already existing enterprises or organizations. Also, the IP can count on consumer loans and drawing credit cards.

In addition, the Business Wednesday business is not only available loans, but also financial support of the business, including the following types of services:

  • settlement and cash services;
  • full acquiring (taking into account the equipment provided);
  • collection;
  • remote maintenance of the bank;
  • business insurance and its objects;
  • participation in the salary project.

And, of course, Sberbank guarantees not only help in the opening. It provides for the development of the "business environment" for your organization with the help of training courses, seminars and other instruments.

What services can be ordered through the portal?

In addition to numerous free services, there are also paid on the portal. In particular, in the "Club" tab, you can purchase discount card, which will continue to order the services necessary for the development and promotion of business. For example, with a discount you can get highly specialized databases and programs, as well as other virtual products from Sberbank partner companies.

There are also paid courses prepared by domestic and foreign specialists, teachers, lecturers, coaches and successful entrepreneurs. In addition, each user of the Portal "Business Wednesday" (Sberbank) has the opportunity to order a paid online advice on a particular business issue. On the resource there is a virtual store where various cloud services and applications.

How is the communication of the entrepreneur with resource representatives?

Suppose a novice entrepreneur came to the portal. Immediately after registering and filling the profile, it refers to resource experts. They, in turn, offer him an individual scenario consisting of 2-3 steps.

So, at first he will help to determine the subject of his business ideas and create a model. Next, he will advise to register an enterprise, take care of the rental of premises and warehouse (if it is provided), as well as hire employees.

In addition, a complete analysis of the "business environment" from Sberbank, which includes risk assessment, preparation and planning. In addition, the future entrepreneur will recommend concrete courses and video materials to view, will hold full project costing.

Later, the IP will be able to open an account in remote mode or in Sberbank or in another credit institution at will. Further, the businessman helps to promote his business and stay afloat.

What feedback can I hear about the project?

According to them, with cooperation with the experts of the portal, an external business environment was developed in detail in their enterprise. That is, due to their assistance, it was possible not only to correctly choose a source of resources, which really brought the company income, but also limit those components that, on the contrary, led to a decrease in demand and losses.

Another PP is grateful to the service developers for convenient navigation and simplicity of the interface. In his opinion, the creation of such a web resource is a great help for novice entrepreneurs. With it, he managed to choose an idea for business.

In a word, at the moment "Business Wednesday" is an interesting solution for business representatives. It allows you to overcome the difficulties in making documents and accept the necessary solutions.

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The business environment includes everything that, being outside the organization, interacts with it and has a direct impact on it in general or on its separate divisions. As a rule, the organization's business environment includes: consumers of products and services; Suppliers of material and natural resources; competitors; infrastructure; state and municipal organizations; International Sector.

The business environment is formed in the development process of the organization, the boundaries of the business environment are difficult to determine. The organization can change the goals, strategy, the scope of activity, products or services - all this will change accordingly and the boundaries of its business environment. Here brief description basic elements business environment.

Created consumers - These are direct buyers and customers of the company. The composition of consumers depends on the scope of activity, on the type of product and services, from the scale of production, from the employment of the market and many other factors. In addition to direct buyers and customers, the organization has a significant impact and public organizations (Consumer Society, Environmental Protection Society, etc.).

Suppliers Materials, raw materials, semi-finished products, electricity, water, gas create a resource dependence. The dependence of organizations from suppliers is one of the strong. Relations with suppliers are significantly reflected at cost, product quality, production timing, thereby providing direct impact on efficiency. Monopolist suppliers can overestimate tariffs, prices, turn off energy, gas, putting an organization into a crisis position, on the edge of bankruptcy. At the conclusion of relationships for deliveries it is necessary to pay attention to prices, quality, compliance with the delivery time, the possibility of replacing the supplier, it is necessary to find out whether it is a monopolist.

Competitors As a rule, those organizations that implement similar products on the same markets, one and the same consumers are.

Competitive competitive strategy requires analysis:

  • competition between existing companies;
  • the probability of the emergence of new companies planning to produce a similar product;
  • new substitute goods that may appear on the market;
  • opportunities for the appearance of more favorable suppliers.

Infrastructure - This is a combination of industries and activities serving the organization and creating a common foundation, support for it. This is the part of the business environment that provides the organization financial labor resources, transport service, consulting, auditing, insurance and other services. This part of the business environment includes banks, stock Exchange consulting, audit, leasing companies, warehouses, railway And so on, with whom the organization establishes links.

Financial organizations - stock exchanges, private investors. Reliability financial organizations - prerequisite for stable work. The frequent crises - bankruptcy of banks, sharp fluctuations in the exchange rate - all this strengthens the degree of uncertainty and creates great difficulties for company managers. Therefore, the careful selection of financial institutions is so important.

Market work force : recruitment agencies Employment, educational institutions, labor exchange. The study of the labor market allows the organization to choose employees of the necessary specialty, qualifications, gender, age, education, i.e. Pick up frames according to professional requirements.

Transport organizations There is a strong influence on the company, its well-being depends on prices, charts of transportation, maintenance of cargo in transport. If a transportation organization It is a monopolist, then tariffs for transportation are high.

Consulting firms at last years Community consulting services are increasingly providing organizations. Russian enterprises seek help in developing marketing, investment projects, strategies, projects for the restructuring of the enterprise, etc. In the consulting services market, both foreign and Russian firms operate.

Insurance companies are a necessary element of infrastructure. High level Risk for business in the Russian market forces firms to contact the services of insurance companies. It is important for the organization that strong insurance companies have necessarily had in its location.

State and municipal organizations - This is another important component of the business environment. Depending on the form of ownership, the type of activity, the scale, sources of funding to the business environment of the organization may include various municipal and federal organizations or authorities with which it directly interacts: Administration, Tax Inspectorate, Tax Police, Courts. Their effect on the organization occurs through the adoption of regulatory acts; ownership of shares; licensing; submission of subsidies, tax insistence; Accommodation state orders and their resource provision; Application of economic and administrative sanctions, etc., - all this directly affects the organization's economy. In our country, where changes in the authorities are frequent and, as a rule, are unpredictable, it is very important to establish good communication with government agencies and provide measures to protect interests, organizations in the crisis situation.

The international sector of the business environment in the last decade has a strong impact on russian firms. Ostring S. russian market russian manufacturers (cars, appliances, electronic equipmentSome foods) causes companies to closely monitor the development of the international sector of the economy. It is necessary to constantly study the influence of foreign consumers, suppliers, competitors; explore new techniques, management rules; strengthen lobbying their interests in state bodies Authorities and take measures to confront foreign competition in the domestic market.

Andrei Leushev, cEO CJSC "Business Wednesday", Managing Director - Head of the Directorate of Innovative Projects of Sberbank Russia OJSC tells readers. unique project Sberbank, whose goal is to distribute effective and interesting tools for developing their own business.


It is occupied by: Andrei, reading about the project "Business Wednesday", imagine it as a point of the application of all the bank's efforts to work with representatives of small business and people who just want to become entrepreneurs. Tell me how Sberbank came to the idea of \u200b\u200bthe project "Business Wednesday"?


Andrei Leushev: Completely, the main task of the "business environment" is a versatile support for entrepreneurs.


The path to the idea was not simple, in Sberbank was widely discussed how to help small businesses. The decision was found only when a team of people, sincerely worried about the fate of entrepreneurship in Russia, and I am proud that I am part of this team. The decorated concept was given "Green Light" at all levels, including on the Board of Sberbank of Russia.


Are there an analogues of this project in the Russian banking sector or abroad?


There are no analogues of the "Business Environment" in the world, I can declare about it with confidence, because I and my staff traveled the whole world in search of successful examples, many of us worked abroad for a long time.


If you disassemble the "business environment" to the components, then, of course, such components exist, but in general the project is unique.


When did the "Business Wednesday" started? What is it technically?


The company "Business Wednesday" celebrated its first anniversary on April 2, 2013, about a year before this went to the preparatory activities.


Technically "Business Wednesday" is innovative company From the Sberbank of Russia, which creates a "business environment" for entrepreneurs as an informational, educational, product and social resource.


Magazine, club, school, shop, bank, market - the names of the portal sections speak for themselves, but it is interesting to learn more about each of them and what the direction of the work of the "Business Environment" is most interesting to its users.


We are seeing the rapid growth of attendance of all sections of our site, young people are active in a magazine and school, businessmen on the trading platform and in the store, the store and the bank visit almost everything.


The magazine is a registered media with his own edit and unique content. Club - a catalog of companies in which more than 80,000 proven business. Very soon the club will become a real social networkFocused on entrepreneurs. Arsenal Schools are video tutorials (already more than 150), webinars and a test for entrepreneurial abilities. The store is one of the largest online application supermarkets for small businesses, our sales have already exceeded 10,000 pieces. The bank is a navigator in the world of Sberbank products, where you can submit online applications. The market is the solution of sales issues for micro and small businesses, a marketplace with a prospect of integration with Europe and China. In addition, we have an IP registration service online as an example of integration with the state, we look forward to expanding such cooperation.


The location of the "Business Environment" - the Internet dictates the nature of the interaction of project participants and the nature of the materials. Is it possible to submit a "business environment" in the separation from modern technologies? Does this mean that access to the project is still limited?


Our uniqueness is due to the synthesis of online and offline playgrounds. In addition to the site, the "Business Wednesday" is represented by almost 3,000 points of sale of Sberbank, we spend a lot of activities in the forums and in business development centers. So we are really open to all.


Andrei, tell us who is working on the content of the project "Business Wednesday", and who is his experts?


We managed to create a very professional team, we do a lot of themselves. At the same time, we are open to partnership, more than 100 companies help us implement all our ideas. We try to choose the mostst.


Who can become a member of the project "Business Wednesday"? What information should be submitted to register in the project? How does the "Business Wednesday" work with personal data of their users?

A person can become anyone without any restrictions. To register, you need to specify only the name, surname and mail. We work with personal data in strict accordance with the law, for the subsidiary of Sberbank, its violation is not acceptable.


How many users are registered and actively involved in the work of the project today?


Only proven users we have more than 100 thousand, the number of visitors is constantly growing, we have reached the figure of 200,000 unique users per month.


Are there any criteria for the selection of partners of the "Business Environment" presented in the "Store" section? Is it possible to expect that over time the number of available programs beneficial for small businesses will be increased?


Of course, the quality of services for us is fundamentally. A partner can be any company if you can withstand our standards for the fault tolerance of systems and support level. This year we are going to expand the product number at least three times.


Does registration in the project give some advantages when contacting Sberbank? How is generally organized by the interaction of small businesses and the bank based on the portal "Business Wednesday"? Does it eliminate the need for a personal meeting with the bank manager, for example?

The advantage is the automatic filling of the application for the selected product, online delivery of information to the bank. Personal presence is still required, but we are working to create a Virtual Office of Sberbank on our website.


In my opinion, the "Business Wednesday" portal gives a more complete and clear idea of \u200b\u200bSberbank products for small businesses than the official site. Please tell us how the portal user can quickly choose a suitable product.