PERSPECTIVES FOR THE RESUMPTION OF THE BANK LENDING OF THE REAL ECONOMY

Author:

Zhezherun Yuliia,

Bartosh Olga,

Language: ukrainian

Annotation:

The renewal of the bank lending of the real sector of the economy plays a key role in increasing the competitiveness of the national economy. In this paper we research the peculiarities of the bank lending of the real economy in the conditions of economic instability. We analyze the current state of the lending by the Ukrainian banks and firstly pay attention to those credit services. It is revealed the relationship among the volumes of loans provided by banks, the level of bank liquidity and financial results of the domestic enterprises. We have revealed the reasons that hinder banks to increase lending of the real sector of the economy and in general negatively affect their lending activity, complicate the domestic enterprises access to credit resources for the production activity financing. It is analyzed the non-performing loans as one of the key factors that prevents bank lending renewal. The analysis of the above reasons has allowed to identify the risks that prevent banks from restoring lending. The prospects of activation of bank lending for the real sector of the national economy are investigated and measures for its resumption are proposed.

Key words:

bank lending; real sector of the economy; non-financial corporations; householders; credit risk; non-performing loans; bank liquidity

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