Abstract
According to the classical theory of banking development and traditional idea of practical matters of bank management, lending is one of the main directions in banking. It is connected with that realization of credit transactions should be considered as a defining component of bank management. According to this defining component each separate bank will organize loan of resources and their subsequent arrangement on proper conditions and on proper risk. Hence, taking into account the retrospective review, the work analyzes the fluctuations of rating values of the bank lending efficiency in the real sector of the economy. The analysis is carried out on the example of the banks of Ukraine within the period of 2011 to 2014 years. For the purpose of examining the values of bank lending efficiency in the real sector of Ukraine’s economy, the article considers the efficiency stochastic boundary model. There were analyzed in detail the forms of distribution by particular efficiency value levels of bank lending in the real sector of Ukraine’s economy, which were obtained for 16 different time dates from the interval analyzed. There was made the conclusion about necessity of balanced use of real resources of banks for growth of crediting efficiency.
Highlights
One of the conditions for stable and dynamic development of the real sector of the economy is the availability of financial resources from the different sources of their attraction
By analyzing the questions of financial resources attraction for the needs of different subjects of management in the real sector of economy, it is important to take into account the fact that among the main sources of such an attraction can be: banking system resources, stock exchange resources and assets of potential investors that can be in their turn, as a rule, placed either in the stock market or in the banking system
In particular as a similar model of stochastic boundary of bank lending efficiency in the real sector of the economy, the model used in the work of Oleg Vasyurenko, Vyacheslav Lyashenko and Valeriia Podchesova [17] or in the work of Vyacheslav Lyashenko [18] will be studied
Summary
One of the conditions for stable and dynamic development of the real sector of the economy is the availability of financial resources from the different sources of their attraction. The topicality of observing the chosen direction of the research is determined by the fact that bank lending is carried out at the particular bank’s own risk, and by the influence of different factors, in the surrounding of which both the bank and the potential borrower of bank resources are functioning, which leads to necessity of observing different credit questions as some valuations of such a process Study of such questions is sharpened in the periods of unstable economic development, manifestation of economic and financial crises influence consequences, reformation of the existing system of economic interaction between different subjects of market interaction. Determining, discovering and generalizing of any possible valuables of bank lending are an important practical task from the sphere of banking activity, but economic development on the whole, which allows using such valuables and studying credit efficiency of the real sector of the economy
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