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The tendencies of bank crediting development to the Ukrainian economy

Title: 


The tendencies of bank crediting development to the Ukrainian economy


Authors: 



Kostiuk, Viktoriia
Faychuk, Olga
Bobyrets, Yaryna


Affiliation: 


National University of Life and Environmental Sciences of Ukraine, 11 Heroyiv Oborony Street, Kyiv, 03041, Ukraine


Bibliographic description (International): 


Kostiuk, V, Faychuk, O. & Bobyrets, Y. (2021) Tendentsii rozvytku bankivskoho kredytuvannia ekonomiky v Ukraini [The tendencies of bank crediting development to the Ukrainian economy]. Sotsialno-ekonomichni problemy i derzhava [Socio-Economic Problems and the State] (electronic journal), Vol. 25, no. 2, pp. 29-40. Available at: http://sepd.tntu.edu.ua/images/stories/pdf/2021/21kvaevu.pdf


Journal/Collection:

 

Scientific Journal "Socio-Economic Problems and the State"


Issue: 


2(25)


Issue Date: 


Nov-2021


Submitted date: 


Oct-2021


Date of entry: 


12-Jul-2022


Publisher: 


Ternopil Ivan Puluj National Technical University


Country (code): 


UA


Place of the edition/event: 


Ternopil


ORCID Id: 


https://orcid.org/0000-0001-7671-3603
https://orcid.org/0000-0003-1673-8408


DOI:


UDC: 


https://doi.org/10.33108/sepd2022.02.029

 

336.717:336.717.061(477)


JEL: 


G21


Keywords: 


banking institution
bank credit
lending to the economy
consumer credit
non-financial corporations
households
bank lending to individuals


Number of pages:

 

12


Page range: 


29-40


Start page: 


29


End page: 


40


Abstract: 


The article considers the views of representatives of various theoretical trends and clarifies the essence of the economic category "credit". The current situation and problems of the credit market functioning in Ukraine are studied. The actual level of lending to the domestic economy has been established. The tendency and regional structure of the provided bank credits in Ukraine are analysed. The dynamics of lending to businesses in national and foreign currency is substantiated. A comparative analysis of the dynamics of loans granted by banking institutions to residents, businesses and individuals is made. The place of consumer loans in the bank lending system has been established. The role of short-term loans in the economic development of Ukraine is determined. The structure of loans granted to residents by maturity, non-financial corporations by type of economic activity and households by maturity was studied. The presence of negative dynamics in the growth of the share of overdue debt on loans in the economy of Ukraine has been established. Peculiarities of borrowing bank capital from enterprises of different types of economic activity by terms of loan repayments and currency are revealed. In particular, it was found that among the enterprises of the processing industry, the largest borrowers of bank funds are economic entities operating in the food industry. An analysis of lending by non-resident banking institutions was also performed. It is established that one of the most important tasks of credit management is the formation and analysis of the loan portfolio of commercial banks. The impact of the COVID-19 pandemic on lending to the economy was analysed and it was found that the negative trends in lending by the banking sector of the Ukrainian economy prevail. The main factors of stagnation of bank crediting in our country are determined. Measures for certain areas of functioning of the domestic credit market to intensify it are proposed.


URI: 


http://elartu.tntu.edu.ua/handle/lib/38470


ISSN: 


2223-3822


Copyright owner:

 

Scientific Journal "Socio-Economic Problems and the State"


URL for reference material: 


http://sepd.tntu.edu.ua/images/stories/pdf/2021/21kvaevu.pdf
http://bank.gov.ua/admin_uploads/article/Credit_Trends_pr_2020-01-28.pdf?v=4
http://pev.kpu.zp.ua/journals/2019/5_16_uk/55.pdf
http://pravoisuspilstvo.org.ua/archive/2020/2_2020/part_2/39.pdf
https://bank.gov.ua/admin_uploads/article/Banking_ Sector_Review_2020-05.pdf?v=4
http://market-infr.od.ua/journals/2019/31_2019_ukr/103.pdf
http://zakon.rada.gov.ua/laws/show/vr059500-17
https://bank.gov.ua/
http://www.bank.gov.ua /Bank_supervision/index.html
http://www.nbuv.gov.ua/old_jrn/soc_gum/VUbsNbU/2012_2/12_2_07.pdf
http://dspace.wunu.edu.ua/bitstream/316497/25853/1/%D0%A1%D0%B8

%D0%B4%D0%BE%D1%80%D0%B5%D0%BD%D0%BA%D0%BE%20%D0%92.pdf


References (International): 


1. Tendencii ta problemy kredytuvanya [Trends and problems of lending]. Materialy zasidanya Rady NBU, January 2020. Available at: http://bank.gov.ua/admin_uploads/ article/Credit_Trends_pr_2020-01-28.pdf?v=4
2. Rahman M. S., Zarayska V. S. (2019) Analiz rezultatyvnosti kredytnoii diyzlnosti bankivskoii systemy Ukraiiny [Analysis of the effectiveness of credit activities of the banking system of Ukraine]. Pryazovskii ecomomichnyi visnyk [Priazovsky Economic Bulletin]. Vol.5, pp. 312-316. Available at: http://pev.kpu.zp.ua/journals/2019/5_16_uk/55.pdf
3. Gromova A. O. (2020) Problematyka pravovogo regulyuvanya realizacii kreditnyh vidnosyn y mereji internet [roblems of legal regulation of credit relations on the Internet]. Pravo i suspilstvo [Law and society]. No 2, pp. 247-252. Available at: http://pravoisuspilstvo.org.ua/archive/2020/2_2020/part_2/39.pdf

https://doi.org/10.32842/2078-3736/2020.2-2.37
4. Oglyad bankivskogo sektoru [Overview of the banking sector]. May 2020 (NBU). Available at: https://bank.gov.ua/admin_uploads/ article/Banking_ Sector_Review_2020-05.pdf?v=4
5. Prostebi L. I. (2019) Stan kredytnoii diyalnosti komerciinyh bankiv na suchasnomu etapi rozvytku [The state of credit activity of commercial banks at the present stage of development]. Available at: http://market-infr.od.ua/journals/2019/31_2019_ukr/103.pdf
6. Rishenya Rady NBU [Decision of the NBU Council] 13.12.2017 №59-rd. «Pro aktyvizatsiyu kredytuvanya v Ukraiini» [On intensification of lending in Ukraine]. Available at: http://zakon.rada.gov.ua/laws/show/vr059500-17
7. Official web-site of the National Bank of Ukraine. Available at: https://bank.gov.ua/
8. Osnovni pokaznyky diyalnosti bankiv [The main indicators of banks]. Available at: http://www.bank.gov.ua/Bank_supervision/index.html
9. Ryzyky pry kredytuvani pidpryyemstv APK ta instrumenty yih minimizacii [Risks in lending to agricultural enterprises and tools to minimize them]. Available at: http://www.nbuv.gov.ua/old_jrn/soc_gum/VUbsNbU/2012_2/12_2_07.pdf
10. Sydorenko V. (2009) Kredit: sutnist, funkcii ta formy proyavu [Credit: the essence, functions and forms of manifestation]. Svit finansiv [The world of finance] No 3(20), pp.24-33. Available at: http://dspace.wunu.edu.ua/bitstream/316497/25853/1/%D0% A1%D0%B8%D0%B4%D0%BE%D1%80%D0%B5%

D0%BD%D0%BA%D0%BE%20%D0%92.pdf


Content type:

 

Article


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Scientific Journal "Socio-Economic Problems and the State", Vol.25, No.2

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