ТЕОРЕТИЧНІ АСПЕКТИ ОБҐРУНТУВАННЯ СУТНОСТІ КРЕДИТНОЇ ПОСЛУГИ ТА ОСОБЛИВОСТІ ЇЇ НАДАННЯ ФІНАНСОВИМИ УСТАНОВАМИ

Abstract

The article is devoted to the conceptual and practical foundations of the study of the peculiarities of the provision of credit services by financial institutions. In the process of researching conceptual approaches to revealing the essence of the "service" and "credit" categories, a systematization of sepa-rate scientific approaches to their interpretation was carried out, which made it possible to specify the meaning of "credit service" as an economic category. Based on the generalization of existing ap-proaches, the author's interpretation of the "credit service" category is proposed as an intangible result of interaction between borrowers and financial institutions regarding the provision of financial re-sources for temporary use under certain conditions. The necessity of distinguishing the system of prin-ciples of providing credit services, including: payment, term,return, intended use and provision, has been proved. Meaningful features of credit services have been singled out, among which the following deserve special attention: availability of agreed payment terms; fee for use of funds; availability of the borrower's credit rating; trust, state control and regulation of the market, availability of collateral. On the basis of the study of the main concepts of their interpretation, the scientists proposed to consider the credit service as an intangible result of theinteraction between borrowers and financial institutions regarding the provision of financial resources for temporary use under certain conditions and taking into account the following principles of the implementation of such a service: payment, term, return, target use and security.Attention is focused on the importance of the functioning of intermediaries in the process of con-sumer lending, who carry out an initial check of the client's documents, fill out his loan application and send it to several banks at once and, subject to a positive decision of the bank, issue a loan. The existence of a leading role of financial institutions in ensuring expanded reproduction of the real sector of the economy, formation of the financial potential of the national economy is substantiated.