Ways of the improvement of bank lending process

Abstract

Introduction. Nowadays a key element in the process of redistribution of capital is the bank crediting. It comes forward as an inalienable constituent of development of economic relations and keeps balance between temporally free money and volumes of resources.

The bank crediting has the biggest influence on the dynamics of GDP, volumes of the realized commodities and services, cost-of-living-indexs, national currency exchange rate, and so on. In comparison to influence, that other than bank institutions subjects of financial activity carry out, the bank crediting substantially prevails in all aspects.

Improvement of mechanisms of the bank crediting and its permanent  development remain  one of  the basic ways for  Ukraine to exit from the crisis state. Recent reduction of the bank activity in the field of crediting which is a result of world economic crisis and internal political crisis, has negatively influenced the economy of our state and the indexes of credit portfolio of the Ukrainian banks. Their dynamics of value and the structure are in the poor condition.

Purpose. The aim is to eliminate the problems of effective redistribution of financial resources in the economy and develop  the approaches that will assist balance of mechanisms of the bank crediting in Ukraine.

Method (methodology). The tasks are solved by means of methods of estimation and analysis of risks and efficiency of financing, estimation of financial economic performance, model of optimal structure of credit portfolio, statistical method indicators.

Results. It is offered the mechanism where in the operations of  REPO instead of securities other assets are used, the transfer of property on which does not need the substantial expenses of time and money, or use of leasing agreement, as the veiled alternative to credit  line is efficient and effective especially in the post-crisis period and in the time of recovery of  the country's economy. Its use is perspective and needs further researches from the point of view of estimation of risks and profitability.