АНАЛІЗ ТА ОЦІНКА КРЕДИТНОЇ ДІЯЛЬНОСТІ БАНКІВ УКРАЇНИ

Abstract

The economic potential of the country is significantly increased due to the presence of a developed credit market, constitutes a significant share of the total market, as well as the peculiarities of functioning and certain advantages over other segments. The scale, activity and efficiency of lending activities are critical to the success of every banking institution as a classic representative of financial intermediation. The successful operation of the bank requires constant work to improve its own lending activities, optimize the loan portfolio, introduce innovative mechanisms and lending instruments, expand the range of loan services and applications. Of great importance in the context of credit management is the development and implementation of the bank's own credit policy, taking into account potential opportunities, a variety of risks and factors (internal, external) that affect efficiency and effectiveness. However, due to the large number of external and internal factors environment, they need a classification that would allow a more thorough investigation and analyze their multifaceted impact on the formation of credit policy. That's it determines the relevance of the study of objective and subjective factors and their structuring by levels of the world economy. That is a set of factors that affect the lending activities of the bank formed by its external and internal environments, can be divided objective and subjective, and their analysis and consideration is a necessary prerequisite for success development and implementation of credit policy. Objective factors include those circumstances or conditions that exist recognized regardless of human will. Such factors include factors external environment and organization of the organization of the bank (a number of factors internal environment). Subjective factors include a set of factors individually personal influence of people (staff, customers, employees, etc.), their interests, beliefs, uses, value orientations that directly or indirectly affect formation of the bank's credit policy.