ANALYSIS OF CURRENT STATE AND PROSPECTS OF DEVELOPMENT OF THE BANKING CONSUMER CREDITING IN UKRAINE

Анотація

The article discusses different points of view and the essence of the economic category of «consumer credit». Analytical assessment of the current state and bank lending to individuals in Ukraine is carried out. Analysis of development of bank crediting of individuals has revealed that from 2005 to 2016 and for two months in 2017 consumer crediting in Ukraine has been developing unevenly. A comparative analysis of the dynamics of loans granted by banking institutions to residents, juridical and physical persons is carried out. The current state of bank crediting of individuals is characterized by a gradual decrease of volumes and a rapid reduction in the proportion in total bank lending. The main problems regarding the granting credits to individuals by banking institutions are revealed. High level of interest rates on loans to individuals, reduction of real incomes and risky credit policy of banks are the main obstacles of development of the bank consumer crediting. Recommendations for ensuring and increase of the efficiency of bank consumer crediting have been developed.

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