Influence of bank lending on support sustainable development of the country under the conditions of marital state

Kovalenko Victoria
D. Sc. (Economics), Professor, Professor, Department of Banking, Odesa National University of Economics, Odesa, Ukraine, E-mail:kovalenko-6868@ukr.net, ORCID ID: https://orcid.org/0000-0003-2783-186X

Cite this article:

Kovalenko V. (2024) Influence of bank lending on support sustainable development of the country under the conditions of marital state. Ed.: V.V. Kovalenko (ed.-in-ch.) and others [Vplyv bankivskoho kredytuvannia na pidtrymku staloho rozvytku krainy v umovakh voiennoho stanu; za red.: V.V. Kovalenko (gol. red.)], Scientific Bulletin of the Odesa National Economic University (ISSN 2313-4569), Odesa National Economics University, Odesa, No. 5-6 (318-319), pp. 47-57.

Abstract

The article is devoted to the study of issues related to establishing the place of bank lending in ensuring the sustainable development of the state. The purpose of the article is to research the state of bank lending and its impact on achieving the goals of sustainable development. The methods of analysis, synthesis, generalization, calculation-analytical, graphical methods, coefficient analysis and systematic approach were used in the conduct of scientific research. On the basis of the conducted research, it was established that the key prerequisite for achieving sustainable development of the state is a complex mechanism of bank lending, interaction between banks and regulatory bodies on this issue. The article proves that today, during the martial law in Ukraine, the problems associated with establishing business credit relations with real borrowers have worsened. The conducted analysis of the composition and structure of the credit portfolio proved the presence of a decrease in credit activity and the orientation of banks towards investments placed in accounts with the National Bank of Ukraine and in government securities. It is practically justified that credit investments of banks are mainly short-term in nature, which is a negative factor for stimulating sustainable development, as well as a limitation for business planning of non-financial corporations. The originality of the scientific research lies in the proposed directions of development of forms of bank lending. The value of scientific research lies in the determination of the main factors that affect the development of bank lending, namely, the regulatory actions of the National Bank of Ukraine and the government. Prospects for further scientific research should be aimed at solving the issue of intensification of bank lending thanks to the creation of macroeconomic prerequisites for effective functioning at the macroeconomic level; search for new forms of credit support for both businesses and households; improvement of the management system of non-performing loans. The type of article is theoretical and empirical.

Keywords

sustainable development, credit, credit relations, bank, credit portfolio, non-performing loans.

JEL classification: E500; E510; G230; DOI: https://doi.org/10.32680/2409-9260-2024-5-6-318-319-47-57

UD classification: 336.77:330.3

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