БАНКІВСЬКЕ ОБСЛУГОВУВАННЯ ЗОВНІШНЬОЕКОНОМІЧНОЇ ДІЯЛЬНОСТІ ПРОМИСЛОВИХ ПІДПРИЄМСТВ

Abstract

Within the scope of banking services for the foreign economic activities of industrial enterprises, commercial banks keep funds in foreign currencies of such enterprises in current and deposit accounts, lend to the export and import activities of such enterprises, carry out international settlements, documentary, currency exchange operations, etc. The article examines the features of banking services for industrial enterprises at the current stage and defines its prospects and tools in the post-war period. It has been established that industrial enterprises try to keep cash balances in foreign currency in the most liquid form, so they either remain in current accounts or are converted into short-term deposits with a term of up to 1 year. Lending in foreign currency tends to decrease and is mostly short-term in nature. The main volume of loans in foreign currency is concentrated in the processing industry, in particular, half of them are in the food industry. As for long-term loans in foreign currency, they are concentrated on enterprises engaged in the supply of electricity, gas, steam and air conditioning, as well as enterprises of the metallurgical industry. Lending in US dollars is concentrated in the manufacturing industry, while lending in euros is predominant for enterprises engaged in the supply of electricity, gas, steam and air conditioning. There is practically no lending in other currencies. It is proposed to expand banking products of JSC "PUMB" for financing foreign economic activities of industrial enterprises through cooperation with international financial institutions, other domestic and foreign banks, leasing companies. Currently, servicing the foreign economic activities of industrial enterprises is not a priority area of activity, as JSC "PUMB" is reorienting itself to the retail segment and lending to agricultural producers, but in the conditions of post-war reconstruction, we believe that lending to industrial enterprises, in particular in a consortium with foreign banks and international financial organizations, should become one from strategic priorities.