Розвиток кредитно-банківської мережі у містах Харківської губернії в другій половині ХІХ – на початку ХХ ст.

Abstract

This article examines the reasons for the establishment and development of credit and banking institutions in the cities of Kharkiv province as part of the economy of the Ukrainian city during the 19th – early 20th centuries. The purpose of the study is to analyze the impact of credit and banking institutions on the economic and social development of the cities in the Kharkiv province during the 19th – early 20th centuries, as well as on the development of urban infrastructure. The research methods in the article were selected in accordance with the purpose and based on the principle of historicism. They are represented by a general scientific method of analysis and special scientific historical-comparative and historical-genetic methods. The application of these methods allowed us to consistently trace the process of formation and development of historical knowledge on the issues under study. Scientific novelty. The network of banks and small credit institutions of the cities of the Kharkiv province in this period was reconstructed. Conclusions. The formation of the credit and banking network was associated primarily with the development of cities. It was not until the last third of the nineteenth century that credit and banking institutions were beginning to play a significant role in urban life. The emergence of banks and small credit institutions took place primarily in cities, where reliable lending was needed by merchants and industrialists, as well as a certain part of the traders and craftsmen. However, the population's need for affordable small loans was not addressed. A number of tasks that require further research of scientists from different countries have been identified.