Abstract

The article discusses the need to further improve measures to increase lending by commercial banks to the real sector of the economy to stimulate economic recovery, the introduction of modern technologies, the creation of new high-tech industries and accelerate the circulation of working capital. The increase in banks' purchases of government securities reduces the potential for lending to the real sector of the economy and provokes an increase in interest rates on them. As a result, failure to meet the financing needs of the real sector is holding back the growth of production and the real sector of the economy. Problems of redistribution of bank capital in the direction of financing the real sector of the economy require a comprehensive analysis of the preconditions that affect the activities of credit institutions. Therefore, one of the key tasks of economic reform aimed at overcoming the crisis of the real sector of the economy is to find effective ways to redistribute bank capital, attract it to investment lending and develop new service banks that will promote economic growth during Ukraine's postwar reconstruction. The most active role in accelerating lending to the real sector of the economy should be played by the state, which uses regulatory tools to stimulate bank lending to the development of the real sector of the economy. In particular, the strategy for the development of Ukraine's banking system should be to improve the deposit insurance system, which will solve a number of related macroeconomic, social and political problems. The real sector of the economy provides the production of goods and services, their supply and sale in the domestic market, creates demand for goods and services for personal and industrial consumption. At the same time, great hopes are placed on the domestic banking sector, which should become a key link in ensuring the stable development of the real sector of the economy. It is necessary to find a balance between two markets, financial and real. This is a complex problem that is being addressed through effective public debt management and flexible monetary policy in the current macroeconomic environment.

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