Abstract
Проведено аналіз стану банківського кредитування реального сектору. Оцінено масштаби обсягів кредитів для фінансування суб’єктів реальної економіки. З метою визначення впливу банківського кредитування на стан реальної економіки встановлено залежність між обсягом кредитів, наданими банками в економіку країни, активами банківської галузі та основним макроекономічним показником – ВВП. Проведено факторний аналіз впливу кредитоутворюючих чинників на стан розвитку реального сектора економіки в умовах економічної нестабільності. Визначено, що система кредитування реального сектору економіки в Україні потребує суттєвого переосмислення в напрямі орієнтації банківських установ на першочергове кредитування пріоритетних у національній економіці видів діяльності.
Highlights
Emergence of a market economy in Ukraine enhances the attention of economic science to all the components of market relations
The banking system is the largest lender of the real economy in Ukraine, and bank lending plays an important role in meeting the needs of the real sector of the economy and consumer demand of population for additional financing
There sults of the factor modeles tima tionareas follows: growth of the rate on loans in national currency, as well as growth of the discountrate, negatively influence gross domestic product (GDP), theoretically lead to its decrease; growth of the exchange rate of foreign currency leads to GDP growth; in turn, inflation leads to a decrease inreal GDP in Ukraine; he indicator of return on capital describes the level of efficiency of the use of bank capital, according to calculations it has a positive impact on GDP; the indicator of the profitability of assets of the banking system of Ukraine shows the level of efficiency of the use of bank resources, based on data analysis of the growth of this indicator will lead to GDP growth
Summary
Emergence of a market economy in Ukraine enhances the attention of economic science to all the components of market relations. To analyze the state of bank lending to the real sector, let’s consider the state of the banking market:according to official NBU data, as of January 1, 2017, there were 96 banking institutions in Ukraine,that is 21 units less than a year earlier, Of these, 37 are banks with foreign capital.This is due to the liquidation of financially unstable banks and the outflow of foreign capital from the banking system of Ukraine During this period, the activity of banks with foreign capital in the retail markets is reduced and their reorientation into the corporate segment takes place; In addition, some banks have left the Ukrainian banking market due to the ineffective business atmosphere [9].
Sign-in/Register to view highlights & summary Sign-in/Register to access full text options 
Free) 
Talk to us
Join us for a 30 min session where you can share your feedback and ask us any queries you have
Schedule a call
