РОЗВИТОК ІННОВАЦІЙ НА РИНКУ КРЕДИТНИХ ПОСЛУГ УКРАЇНИ В СИСТЕМІ НАЦІОНАЛЬНОЇ ЕКОНОМІКИ

Abstract

The main goal of this study is to analyze the current state of the credit market in Ukraine in terms of determining the prospects for its innovative development, in particular, the direction of P2P lending.The article analyzes dynamic trends in the development of Ukraine's credit market, specifically loans provided to residents across economic sectors, currency types, and repayment periods. It delves into corporate sector and household loans, along with loans granted to non-financial corporations, noting a significant reduction throughout 2022 due to the impact of military aggression on the credit market's evolution. Key aspects of the Financial Sector Development Strategy until 2025 are explored.Focusing on contemporary tendencies, the paper studies innovative approaches to providing credit services, notably the P2P lending system, a pivotal element in addressing societal financial needs. Additionally, the research encompasses perspectives and opportunities for implementing P2P lending within the Ukrainian credit market, including its influence on creating new opportunities for borrowers and investors.Moreover, the introduction of P2P lending in Ukraine not only expands borrowing options but also opens up new investment prospects for individuals seeking returns on their capital. It enables lenders to diversify their investment portfolios while empowering borrowers with access to funds that might have been challenging to secure through conventional channels.By analyzing these facets, the article presents insights into the future development of Ukraine's credit services market, considering innovative approaches and their potential impact on the country's financial system.P2P credit emerges as a transformative innovation, heralding a new era of accessibil-ity and flexibility in Ukraine's credit market. Its potential impact on empowering both borrowers and lenders signifies a positive step towards a more diversified and inclusive financial future for the country.