Аналіз тенденцій банківського фінансування економіки України у 2021 році

Abstract

The article considers the development trends of the main banking markets of active operations for the eight months of 2021. The analysis of market trends has showed that despite significant efforts of the Government to intensify lending under the programs "Affordable Loans 5-7-9%" and "Mortgage Lending", the dynamics of growth of banks' loan portfolios can notmeet expectations. The banking regulator has adopted new legal and regulatory requirements that significantly cool the banking business in conducting new lending operations. Banks with state participation in capital dominate the volume of credit operations. There is a tendency to reduce the volume of negatively classified assets in banks with the participation of the state in capital. The downward trend in negatively classified assets provides prospects for attracting foreign capital to the balance sheets of these banks. In general, the global trend of enhancing the role of the state in solving problems during the crisis has manifested itself in the economic processes of Ukraine. Trends regarding the increase of the role of the state in the financial sector during the economic crisis in modern literature is called the "new Keynesianism". In the banking sector of Ukraine there is a situation when banks have a reserve of liquidity to expand lending. But the regulatory requirements for financial monitoring of banking operations and reserve requirements for active operations of banks have become stiffer in terms of resource support for the economy.In addition, the strengthening of legal requirements for personal criminal liability of bank management is a brake on resource support of the economy. Fiscal housing at this stage of development of the financial system of Ukraine is manifested in the significant activity of banks in the government securities market. It is not worth expecting significant economic support due to the increase in bank lending without changes in regulatory policy in the crisis of 2021.