ПІДХОДИ ДО МОДЕЛЮВАННЯ ВЗАЄМОЗВ’ЯЗКУ БАНКІВСЬКОЇ СИСТЕМИ ТА ЕКОНОМІЧНОЇ АКТИВНОСТІ ПІДПРИЄМСТВ

Abstract

The relevance is determined based on the need to adapt foreign developments to the conditions and specifics of banks and their impact on the real sector in Ukraine. The part of the general problem that needs to be solved is identified, namely the determination of the influence of the financial sector on domestic enterprises in order to intensify their activities. The purpose of the article is defined, which is to analyze the approaches to determining the relationship and factors of interaction of banks on the enterprises of the real sector of the economy of Ukraine. The article analyzes the approaches to modeling the relationship between enterprises and banks in countries with developed market economies. Based on the analysis, the most studied links between the banking system and economic activity of enterprises are highlighted. The first group of such links includes bank deposits and loans, bank capital and the index of activity of the banking and financial sectors of the economy. The second group includes indicators of the resource sector (deposits) and investment in fixed assets, industrial output. The third group includes the need for credit resources and the capacity of the banking system of the country (region). The fourth group includes the need for investments, innovative resources and the need for development loans. Based on the analysis of literature sources, a functional model is proposed, which reflects the dependence of industrial output on deposit resources (or a model of the country’s credit potential), a model showing the dependence of loans for current needs on certain factors and a model of innovation and investment development. It is concluded that based on the use of the proposed functional dependencies, it is possible to show the relationship between the state of the banking system, deposits, the creditworthiness of the banking system and activity in the real sector of the economy. It is concluded that studies conducted in economically developed countries have confirmed the dependence of bank loans on the creditworthiness of banks. In addition, such studies have found a link between the growth rate of bank loans and the level of employment, output, and investment.