Вдосконалення кредитної політики банку в умовах цифрових технологій.
Анотація
The article defines the nature and role of credit policy, substantiates the necessity of its improvement in conditions of digital technologies. The basic principles and functions of credit policy are outlined. It is concluded that the main principles of credit policy should be: the reliability and profitability of the placement of funds, as well as the principles of sound lending. The goals of the credit policy and directions of its implementation are determined. The share of credit operations in the general structure of assets of domestic banks is estimated. It is noted that commercial bank credit policy is an integral part of the strategy and tactics of the NBU and the government. It is proposed the measures are to improve the efficiency of current commercial banks and improve their lending policies.
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