ТЕНДЕНЦІЇ ТА ФАКТОРНІ УМОВИ СТАБІЛЬНОСТІ КРЕДИТНИХ ПОТОКІВ БАНКІВ: УКРАЇНСЬКИЙ ВИПАДОК

Abstract

The present article analyses the tendencies and factor conditions of credit flows stability, as one of the main components of the banking activity in Ukraine. Using an econometric investigation we achieved sufficient basis to assume the existence of a tight bound between credit , deposit rates and the movement of credit flows. Credit regulation is used to soften the economic crises and keep in check the inflation rate. To support the conjuncture, the government uses credit to stimulate the financial investments into different areas of the national economy. Credit policy is carried out by the means of direct or indirect approach. The difference between then is that the central bank either uses liquidity of the credit institutes to apply indirect control, or uses direct limits to economical credits (limits the credit quantity). Defined the importance of interconnected analysis of the functioning of economics and banking sector. Singled out several steps of issuance of loans to the banks in the economics of the Ukraine. Analyzed the factor conditions of credit banking activity development. Outlined the importance of the deposit and credit interest influence upon the persistence of credit inflows of the banks.