Modern Problems of Crediting by Commercial Banks of Ukraine
Journal Title: Бізнес Інформ - Year 2014, Vol 5, Issue 0
Abstract
The article considers statistical and analytical data of credit activity of banks. Specific features that were formed in the post-crisis period in the market of bank crediting in Ukraine are described on their basis. The author marks out problem aspects of conduct of credit activity of banks at the national level and level of a commercial bank. Quality of a credit portfolio has both macro- and micro-economic factors in its basis, that is why, approach to its increase should be carried out through the same levels. The author offers elimination of the existing problems in banking crediting through improvement of the legislation base, conduct of the policy of consolidation of the budget, development of the state plan of overcoming the crisis, political and economic orientation of the state, active operation with bad debts, provision of loans into the real sector of economy, attraction of long-term credit resources, etc. Consideration of problems that exist in crediting would allow optimisation of a loan portfolio under conditions of development of Ukraine. Orientation not on the absolute gain of assets but on their qualitative changes would help banks to gain additional profit. And this would increase the level of economic development and investment attractiveness of the country.
Authors and Affiliations
Anastasiia Tolstosheieva
Keywords
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