ПЕРСПЕКТИВИ НАРОЩЕННЯ КРЕДИТУВАННЯ В УКРАЇНІ

In modern conditions, lending to businesses in appropriate amounts is an important component of the efficiency of both small and medium and large businesses, which in turn ensures the proper development of the entire economy of Ukraine. Given the difficult economic situation today, all Ukrainian businesses have problems with falling sales and reduced efficiency of financial and economic activities, this is what reduces their solvency, creditworthiness and significantly hinders the growth of financial opportunities. At the same time, they are constantly faced with the question of the need to upgrade fixed assets, purchase raw materials and cover other fixed costs, ie without loans. The authors consider current issues of lending to banking institutions in Ukraine during 2012-2020. The current state of lending is analyzed, including loans to households and the corporate sector.In 2020, there is a rapid growth of mortgages, which is a unique phenomenon for Ukraine, given the depth of the crisis and significant uncertainty. The development of lending will be further facilitated by lower lending rates. Banks have intensified lending to small businesses over the past year, despite the fact that they have suffered greater losses from quarantine measures than medium and large ones. The article reveals the ways and prospects of increasing lending in Ukraine in conditions of economic instability. At the present stage of development, the most important task is to expand mortgage lending programs, because it is the mortgage that contributes to the further recovery of public demand; reduction of credit rates; increasing the level of approval of applications for retail loans for both mortgage and consumer; weakening by banking institutions of the requirements for mortgaged property; loyal attitude to the financial condition of clients; individual approach to each borrower with the opportunity to choose a favorable loan program; easing consumer lending standards for consumer loans.Also no less important are the solution of such credit problems in Ukraine as: high credit rates; strict conditions and strengthening of standards for large enterprises due to deteriorating exchange rate expectations; insufficient state support for mortgage lending; introduction of a large number of social mortgage programs with lower and affordable interest rates. The domestic banking system has sufficient potential to function effectively and increase lending. Moreover, the implementation of measures to stimulate the growth of lending should result not only in the quantitative growth of loans, but also increase the efficiency of the lending process.