Improvement of the assessment methodology of the lending potential of Ukraine's banks

Анотація

Object of study. The object of the study are the processes of forming the lending potential of the banking system.\nOne of the most problematic areas is the lack of comprehensive research on the formation of scientific and\nmethodological approaches to determine and assess the lending potential of the bank. The research has emphasized the\nneed to solve problems of innovative development of Ukraine’s economy.\nMethodology. The information base of the research is the regulations of the National Bank of Ukraine, official\nanalytical and statistical data of organizations and the results of scientific research of leading economists. The following\nmethods have been used: abstraction and morphological analysis (specifying the definition of “lending potential of the\nbank”); system-structural, induction, deduction, coefficient (in the development of scientific and methodological\napproach and quantitative assessment of the lending potential of banks); comparative analysis and logical\ngeneralization, which allowed to determine the prerequisites for the development of bank lending to the economy and\ntheir role in financing investment projects in Ukraine.\nResults. The necessity of developing measures for the rational use of lending potential, including the results\nof the calculations, the insignificant lending potential of Ukrainian banks in the period 2014-2017 which has been\ngrowing rapidly since 2018 has been revealed. It has been proved that the profitability of non-financial corporations\ngradually increases during the study period, which has a positive effect on their workload regarding debt service.\nThese trends create the preconditions for the development of bank lending to the real sector of the economy and\nhouseholds. It has been noted that only 6% of innovative projects are financed with the use of bank loans.\nScientific novelty. The article has proposed to deepen the methodological approaches to the disclosure of the\ncontent and quantitative assessment of the lending potential of banks. The information obtained is the basis for\ndetermining the possibilities of creating a positive lending potential of banks. A prerequisite for the effective use of\npotential is the availability of solvent borrowers and the absence of excessive debt burden.\nTheoretical and (or) practical significance. The use of the proposed methodology allows to assess the\nprerequisites for the development of bank lending and the implementation of a positive contribution of the banking\nsystem to economic growth.

Класифікація

Ідентифікатори

Схожі роботи