Modern progress of forms of bank crediting trends and their influence on economic development of the world countries

Abstract

Introduction. In the last few years in the different countries of the world there is unifying of financial mediation that shows up activation of collaboration between banks, insurance companies and investment funds, and also to appearance of hybrid forms of financial mediation, that create a competition to the traditional bank crediting.

At the same time, taking into account bank-cenetered of financial market of Ukraine (the assets of banks make over 87 % combined of assets financial mediators) and absence of the adjusted infrastructure of stocks market, exactly banks must become initiators and providers of new, hybrid financial mechanisms of the investment providing of home economy.

Purpose. Aim. The aim of the article is development of scientifically-methodical principles and organizational mechanisms of accomplishment of new forms of financial mediation during realization of the bank crediting.

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

Results. Results. Research of dynamics and structure of financial mediation in the different countries of the world for 2006-2014 were allowed to draw conclusion about: prevailing of the bank crediting in the structure of outsourcing of financing of activity of subjects of the real economy in the world, in exception of Japan and USA; reduction of part of the bank crediting is in the combined volume of the credits which were given in economy by the financial sectors of different countries of the world; increasing of nonbank role and hybrid forms of crediting in providing of the economy development.