Состояние инвестиционного кредита как основы развития реального сектора экономики в России

Abstract

The role of Bank lending, including investment lending, is of great importance in the economy, especially in times of turbulence and the negative impact of the coronavirus pandemic. Urgent problems of banks are the lack of long-term resources, unbalanced terms and amounts of resources and loans of the Bank, violation of credit boundaries, high credit risks, lack of high-quality investment projects. The purpose of the article is to determine the current state of investment credit as a tool for developing the country’s economy. The current trend of investment activity of banks is determined by the author using quantitative, comparative, structural and factor General scientific methods. The research logic makes it possible to identify the participation of banks in the process of lending to the real sector of the economy, to determine the priority areas of lending to economic entities. By analyzing and summarizing statistical data from Rosstat and the Bank of Russia, the author determined the share of investments in fixed assets in the context of financing. The study revealed the limited long-term resources and high credit risks of banks, which limit investment in the real sector of the economy. The author determined the assessment of the structure of attracted resources of banks, identified the amount of resources allocated to loans to enterprises, and identified negative factors that hinder long-term investments. Systematic and comprehensive approaches to analyzing the directions of investment activity of banks allowed us to make a number of recommendations for its improvement, namely: compliance with credit boundaries, monitoring the target use of credit, increasing the level of confidence, credit expansion, etc. This determines the scientific and practical significance of the research.