Кредитна діяльність банків: сучасний стан та перспективи

Abstract

UK: В роботі розглянуто сучасний стан та перспективи розвитку кредитної діяльності банківських установ. Проаналізовано динаміку обсягів банківського кредитування в Україні, його спрямованість та результативність, визначено коло проблем і подальших перспектив банківського кредитування суб’єктів економіки. EN: Crediting activities of banking institutions is a complex multi-component process involving various operations and practical actions aimed at the formation of credit services, which differ in terms, requirements, mechanism of provision and repayment. Optimization and consistency of all stages of the credit process is the basis of effective crediting activities of banks. The credit market of Ukraine has a tendency to decrease the number of banking institutions: their number has decreased more than twice. At the same time, the total assets of working banks increased and, accordingly, the crediting processes of economic entities and individuals accelerated - by 14.5% and 9.8%, respectively. The total credit portfolio of domestic banks increased by 11.2%. But for the recovery and development of the Ukrainian economy, the scale of bank lending remains extremely insufficient.