Modern financial intermediation in bank crediting

Oleksandr Leonidovych Lavryk


Introduction. The updating of bank crediting and its constant development remain the basic ways for Ukraine to overcome crisis. Recent reduction of bank crediting due to the world economic crisis and internal political crisis have damaged the economy of our country and considerably affected the credit portfolio indexes of Ukrainian banks. The dynamics of value and structure of the latter leave much to be desired.

It has been determined that bank crediting makes the greatest impact on the dynamics of GDP, the volume of distribution of goods and services, the indices of customer price, national currency exchange rate, etc. Bank crediting substantially prevails by all criteria compared with the impact of other subjects of financial intermediation.  

Purpose. The objective of this article is to update methodical provision of financial intermediation in Ukraine, that has stipulated the development of bank crediting mechanisms.

Method (methodology).The tasks of the research are solved with the help of the following methods: method of estimation and analysis of risks and financing efficiency, method of the estimation of financial and economic performance, method of the model of optimal credit portfolio structure, statistical methods.

Results. In terms of bank crediting promotion it has been suggested to introduce its new type. It is multiparticipative bank crediting («multi-» as it is expected the participation of many depositors in crediting borrower (the project), «participative» – as it is expected a direct participation of the depositor in choosing the borrower and terms of crediting). 


bank credit portfolio; banking institution; bank rate; financial intermediaries; financial intermediation; insurance companies; investment

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Science Works Journal "Ekonomichnyy analiz"

ISSN 1993-0259 (Print)  ISSN 2219-4649 (Online) DOI: 10.35774/econa

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