Ukraine's credit market in war conditions: challenges, risks and ways of recovery

Анотація

The study highlights the key aspects of the war's impact on the Ukrainian credit market, including its dynamics, structure, and key risks. The changes taking place in the context of the military conflict are analyzed, and their economic and financial consequences are assessed. Particular attention is paid to the impact of hostilities on financial institutions, the availability of credit resources, the level of credit risks, and overall business activity in the banking sector. It is determined that the war has led to a significant reduction in lending opportunities for both businesses and households, which in turn has a negative impact on the country's economic development. The deterioration of the macroeconomic situation, the decline in confidence in the banking system, and the instability of the exchange rate have become additional factors that exacerbate the problems of the credit market. At the same time, it is noted that financial institutions are forced to adapt to new conditions by developing anti-crisis strategies aimed at minimizing risks and ensuring stability. Particular attention is paid to the measures taken by the National Bank of Ukraine to support the credit market. These include changes in legislative regulation, expansion of refinancing programs, introduction of state support mechanisms and cooperation with international financial institutions. These steps help to mitigate the negative impact of the war on the banking sector and create the preconditions for its gradual recovery after the end of hostilities. It is noted that the prospects for the recovery of the credit market depend on a number of key factors: implementation of effective economic reforms, attraction of foreign investment, increased confidence in the banking system and active cooperation with international financial organizations. In the long run, the revival of the credit sector will be an important element of Ukraine's overall economic recovery. The study emphasizes that with a comprehensive approach and effective government policy, it is possible not only to stabilize the financial system, but also to develop it further in the postwar period.

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