Credit strategies as the basis for efficient functioning of banks

Abstract

Introduction.  One of the most important and urgent tasks of stable operation of banking institutions in Ukraine is the need to investigate loan strategies to ensure adequate credit resources of real economic sector.

Purpose.  The goal of the article is to examine theoretical basis for credit strategies formation by banks and to summarise scientific approaches to practical aspects of their implementation.

Method (methodology).  In the course of investigation such general scientific methods are used: methods of analysis and synthesis, method of scientific abstraction, method of historical and logical approaches to study nature of credit strategy, graphic methods.

Results.  Article has revealed the economic substance of bank credit policies.  The main factors of the macro- and microeconomic environment that exert a significant impact on selection of a loan strategy by a bank have been investigated.  It has been established that commercial banks can make both positive and negative impacts on the national economy. Positive influence contributes to its economic development and growth. Negative impact leads to the problem of a loan debt. Positive and negative impacts depend on the chosen credit strategy.