However the overwhelming majority of banks does not have East Europe statistics and, the main thing, is not present a financial power which would allow to risk, turning out a private experience. Except subjective circumstances at banks is also objective which consist in norms of regulation, requirements to reservation and quality of pledges.

And any more for small enterprises, but for banks these requirements become a protecting barrier. Banks, it turns out, not very much want to potter with a risky trifle, moreover they cannot. But specialized funds of micro financings and the credit cooperative societies existing at the expense of various foreign grants, credits and means of shareholders, are freer from the point of view of adjustment of their activity and have greater space for maneuver.

Without going into subtleties of specificity of work of the financial organizations, it is possible to tell that today in the market are some hundreds of credit unions, cooperative societies, funds etc. According to research of Institute of the open economy, conducted in last year work, the cumulative portfolio of the micro financial organizations for a year has constituted 94 million of US dollars. Thus they approach to an estimation of the borrower more flexibly, than banks, and by determination are ready to work with small amounts of loan. On the average, according to research, the size of one loan was in limits of 600-1200 dollars that confirms thought “fast aid” character of such crediting. Consumer bank loans in a significant amount of cases exceed the average size of an “enterprise” loan in micro financial organizations. It is not surprising that banks should make serious effort to force itself to estimate micro crediting prospects.

Probably, the obvious consent of the smallest businessmen to pay for the credit high percent could become argument. According to the same research, the maximum interest rate has turned out at level of 45 % annual, and minimum — 26 %. Thus level of delays is very low. At 50 % of the micro financial organizations it was no more than 2,7 % from all portfolio. It concerns the indebtedness delayed for more than 30 days. By the way, figures are quite comparable to delays for bank sector. To small-scale business the defaulting debt is in a portfolio of bank loans at level of 1-1,5 %.

Banks and not banks:

Banks which would like to work with consumers of micro credits, but do not wish to be put in development of a necessary infrastructure (forming of the special program, personnel training etc.), can act as micro financial creditors. The micro financial organizations are in great need in resources, but seldom find mutual understanding in banks.

A part of banks consider micro financial organizations as competitors. In such credit organizations internal orders, direct prohibitions on crediting micro financial organization’s act. Far-sighted banks including Foreign Trade Bank understand that banks and micro financial organizations are not competitors that at them different clientele. However to micro financial organizations there are claims from the point of view of a transparency, doubts in a reflexivity of means etc. And in some cases banks are not guilty that micro financial organization cannot receive bank loans. For example, credit cooperative societies and consumer societies under the law can use only means of shareholders.

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Creditors-intermediaries:

The problem of resources is actual not only for the regional banks financing small-scale business though for them it costs most sharply. Very few people presumes to themselves development of programs of crediting of small-scale business at the expense of own means or have access to cheap resources owing to the status. From domestic banks for today the Bank for foreign trade which within a year has distributed credits to the small and average enterprises. But the basic supplier of resources for bank crediting of small-scale business is foreign banks.

The pioneer in this sense was the European bank of reconstruction and development. For today the European bank has enclosed in small-scale business crediting more than 2 billions dollars. The gain since September of last year till September flowing has made 60 %, according to Group of small-scale business of the European Reconstruction and Development Bank

The European Reconstruction and Development Bank initially set as the purpose work with banks-intermediaries — the existing commercial banks specially created by banks and with microfinancing funds. At a bank-partner choice the basic criteria are the commercial recoupment of credits and an effective utilization of means of the technical help. That is European Reconstruction and Development Bank means, target image directed on small-scale business crediting, should be returnable and work should be profitable.

In due course European Reconstruction and Development Bank banks-partners should be ready to search of refinancing, crediting on commercial terms. That is the European Reconstruction and Development Bank learns banks to “swim” in this sea, and not only giving necessary financial resources, but also technologies and technical help.

It is possible to argue that in this case it is more valuable to the banks co-operating with foreign credit institutes, — money or technologies of competent work with small enterprises. The manager of projects of Deutsche Bank Nicolas Drude is assured that small-scale business crediting will be favorably if effective technologies are going to be used. And in a package with crediting for banks-partners (for 18 months of work this bank has distributed 46 million euro) the Deutsche Bank delivers the gratuitous technical help for development of credit technologies.

Financial analysis:

But also the banks possessing secret knowledge of how correctly to finance small enterprises, anything concrete about an essence of the mentioned technologies do not tell. It is obvious that a technology kernel is the technique of an estimation of the borrower, an estimation of its risks. Work with the small or average enterprise demands accurately built approaches with the predicted result, the formalized requirements to the borrower (turns, pledges, the reporting) and the reasonable standardized approach for the sake of reduction of time and bank expenses. As a matter of fact, bankers speak about the competent financial analysis.

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The majority of athletes accept HCG in the end of a steroid course, i.e. to provide for them the best transition to “natural trainings”. Slow and gradual reduction of a dose of a steroid is nevertheless the basic precondition. Though HCG very quickly leads to substantial increase of level of endogenous Testosterone, unfortunately, it is not panacea in struggle against loss of force and weight in the end of a steroid course.

The sportsman is subject here to the slowed down demolition. The American doctor Mauro Dee confirms also in the book “the Use of narcotics in amateur sports”:”Athletes use HCG for a softening of the negative phenomena appearing at the termination of reception of steroids, accepted long time.

These athletes consider that use of HCG will help them to restore faster Testosterone development in testicles and to get it to norm. But this opinion nevertheless is erroneous. “Though HCG also stimulates development of own Testosterone, it does not influence an arch «hypothalamus-pituitary body-testicles”and does not conduct to its restoration. After more or less long reception of steroids the hypothalamus and a pituitary body nevertheless are in dejectedness and remain in it and at reception of HCG since developed by an organism owing to exogenous entering in it HCG Testosteron-Depotum suppresses endogenous development LH (a luteinizing hormone).

And as soon as reception of HCG comes to an end, the athlete is compelled to pass through a restoration phase. Reception of HCG only defers this phase. Therefore skilled athletes often accept Dynericum at once after course of HCG, or begin a new steroid course. Some accept HCG only that at least two – three weeks to have a rest from steroids.

Many sportsmen of bodybuilding, unfortunately, still consider that HCG helps in preparation for competitions: does them more firmly in muscles, burns a hypodermic fatty tissue, showing that figure lines better.

The endurance from the book of doctor Robert Kerr “Practical application of anabolic steroids by athletes” eliminates any doubt: “In the instruction on application of HCG shortly also it is clearly told that HCG” does not render any influence on fat burning, appetite, feeling of hunger or fat distribution. “In it as it is specified that” HCG has proved to be absolutely useless preparation at treatment of adiposity and at all does not accelerate process of burning of fat at a diet “.

At HCG there is one more quality to which it is necessary to pay attention: the preparation possesses two-phase influence. The American doctor William Taylor writes in the book “Anabolic steroids and athletes.”: “without dependence from accepted dose HCG leads to lifting of concentration passing in two phases of plasma-testosterone even after the one and only injection. The first peak of this lifting of level of plasma- testosterone comes approximately 2 hours later after an injection, the second – follows later 48 – 96 hours after an injection.

During this time the average level of it raises, thus the height of peaks and Testosterone average level depends, judging by various doctrines, from a dose of the entered preparation”.

Thus a question only in the correct dosage, allows receiving high level of Testosterone, but as neither in scientific, nor in the medical literature there no indicating on application of HCG by athletes, we can proceed only from experience reasons.

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Human choriogonadotrophin, or in abbreviated form HCG (Gonadotrophin) is not an anabolic/androgenic steroid, but natural protein hormone which is formed in a placenta of the pregnant woman.

It possesses luteinizing qualities since corresponds forming in a forward share of a pituitary body to a luteinizing hormone. In the first 6 – 8 weeks of pregnancy formed HCG do possible further development of estrogens and gestagen in body. Development of these two hormones in the placenta as a result begins. HCG extract from urine of pregnant women since it in an invariable kind arrives from a blood in kidneys.

It is available on sale and HCG represents a dry substance and it is intended both for women, and for men. To women injection of HCG facilitates an ovulation since it comes into effect at the moment of maturing of an ootid. It promotes development of estrogens.

And still especially athletes are interested in this preparation; the reason is that exogenous HCG possesses almost same qualities, as a luteinizing hormone (LH), which as it was already told, formed in a pituitary body.

At men the luteinizing hormone stimulates sex cells in testicles and strengthens development of androgenic hormones (Testosterone). Therefore injection of HCG is used by sportsmen for the strengthened development of Testosterone. HCG is used here more often in a combination with anabolic/androgenic steroids, namely or in the end, or in the middle of treatment. As it was already repeatedly mentioned, oral and injection steroids cause after some period of their reception effect of “feedback”.

There is an influence on an arch “hypothalamus-pituitary body-testicles” since steroids send to a hypothalamus a false signal. The hypothalamus transmits in a pituitary body a signal about reduction or the full termination of development of follicular-stimulating hormone and a luteinizing hormone. Testosterone level decreases, since Testosterone sex cells of testicles stop producing it and are stimulated with a luteinizing hormone insufficiently. As in norm time is necessary for an organism to normalize process of development of Testosterone, for the athlete after the termination of reception of a steroid preparation there comes very difficult transitive phase which very often passes with appreciable loss of force and masses.

Reception o f HCG it is immediate in process of the termination of a steroid course helps to return testicles in their initial condition, including also their size. Time injections of HCG during reception of steroids can prevent an atrophy of testicles so many athletes accept HCG in the middle of the treatment by steroids in a current 2 – 3 weeks.

It is noticed that just at this time the athlete reaches the best successes concerning mass and force. It speaks that, on the one hand, the sportsman has high level of own Testosterone owing to application of HCG also on the other hand is observed high concentration of anabolically operating substances in a blood owing to application of steroids. Many sportsmen of bodybuilding and power lifting tell also about depression of sex interest in the end of a serious cycle of trainings, shortly before both right after competitions and especially in the end of a steroid course.

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The waistline increase usually indicates some metabolism alteration or incorrect lifestyle. And such changes bring plenty of problems. Great health risks accompany the accumulation of fat tissue around the waist and the internal organs in the abdominal cavity: high cholesterol levels, high blood pressure, diabetes and heart disease are just a few examples of the impact on health. When the fat deposits start piling up, it becomes a must to get rid of belly fat.

In parallel with the efforts directed at losing belly fat, you need to learn about prevention. Weight loss is not complete or it lacks finality until you learn how to stay in good physical shape. The most important rule here is to try and stay at a normal level by burning more energy than you take from food. Without physical activities, it is nearly impossible to achieve such goals. The other key element in the equation is diet; keep it healthy and balanced and you’ll get the looks you’ve been dreaming of.

Aerobics provides one of the best solutions for belly fat loss. You’ll strengthen the abdominal, and you’ll melt the fat deposits evenly. There is no one single fitness program that could target belly fat; weight loss occurs evenly, and you burn the deposits from all over the body, not just the abdomen. The truth is that belly fat loss is part of a much more complex body shaping process. It is impossible to burn fat from a single body area, in this case the waist line and the abdomen. Therefore, you improve the overall body condition with gym training and aerobics.

The lifestyle pattern and the eating habits also influence the weight loss program efficiency. No more junk food and late night treats! Sweets and refined carbohydrates only raise the blood sugar level and instead of making you feel full, they make you hungry and reduce the fat burning process that the body undergoes. Belly fat loss only takes place if you gradually eliminate the foods that harm your body and prevent you from burning the adipose tissues.

Fresh fruits, vegetables, lots of water, cereal, seeds and low fat dairy products should be the basis of any diet targets belly fat loss. Lean meat such as fish or chicken also works well, but their impact on your health depends on the way they are cooked.

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