The Modern Tendencies of Bank Crediting in Ukraine
The article defines dynamics of bank crediting of individuals and legal entities for the period of 2013–2017. The article is aimed at defining and substantiating the reasons of the newest tendencies in bank crediting. The credits granted to individuals in various aspects, namely: on the target direc...
| Main Authors: | , |
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| Format: | Article |
| Language: | English |
| Published: |
Research Centre of Industrial Problems of Development of NAS of Ukraine
2018-10-01
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| Series: | Bìznes Inform |
| Subjects: | |
| Online Access: | http://www.business-inform.net/export_pdf/business-inform-2018-10_0-pages-321_326.pdf |
| _version_ | 1828171757551353856 |
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| author | Glushchenko Victor V. Sadova Hanna O. |
| author_facet | Glushchenko Victor V. Sadova Hanna O. |
| author_sort | Glushchenko Victor V. |
| collection | DOAJ |
| description | The article defines dynamics of bank crediting of individuals and legal entities for the period of 2013–2017. The article is aimed at defining and substantiating the reasons of the newest tendencies in bank crediting. The credits granted to individuals in various aspects, namely: on the target directions, mortgage credits on terms of repayment are considered. The credits granted to non-financial corporations are analyzed in the following sections: by maturity, by size of enterprises. The percentage of credits granted to individuals and legal entities is also analyzed. The current status of bank crediting is characterized by increase of volumes due to improvement of financial condition of households and favorable macro-economic conditions. The reduction of volumes occurs only in the sphere of mortgage crediting. Among the problems of crediting can be called concealment of real incomes of individuals and inability of banks to correctly assess the credit risk of borrowers – legal entities which is caused by lack of transparent reporting and a low level of centralized tracking of credit histories of organizations. |
| first_indexed | 2024-04-12T03:31:24Z |
| format | Article |
| id | doaj.art-b3d95dcfdb56476b9b68ab4cef90baba |
| institution | Directory Open Access Journal |
| issn | 2222-4459 2311-116X |
| language | English |
| last_indexed | 2024-04-12T03:31:24Z |
| publishDate | 2018-10-01 |
| publisher | Research Centre of Industrial Problems of Development of NAS of Ukraine |
| record_format | Article |
| series | Bìznes Inform |
| spelling | doaj.art-b3d95dcfdb56476b9b68ab4cef90baba2022-12-22T03:49:33ZengResearch Centre of Industrial Problems of Development of NAS of UkraineBìznes Inform2222-44592311-116X2018-10-0110489321326The Modern Tendencies of Bank Crediting in UkraineGlushchenko Victor V.0Sadova Hanna O.1Doctor of Sciences (Economics), Professor, Head of the Department, Department of Finance and Credit, V. N. Karazin Kharkiv National UniversityGraduate Student, Faculty of Economics, V. N. Karazin Kharkiv National UniversityThe article defines dynamics of bank crediting of individuals and legal entities for the period of 2013–2017. The article is aimed at defining and substantiating the reasons of the newest tendencies in bank crediting. The credits granted to individuals in various aspects, namely: on the target directions, mortgage credits on terms of repayment are considered. The credits granted to non-financial corporations are analyzed in the following sections: by maturity, by size of enterprises. The percentage of credits granted to individuals and legal entities is also analyzed. The current status of bank crediting is characterized by increase of volumes due to improvement of financial condition of households and favorable macro-economic conditions. The reduction of volumes occurs only in the sphere of mortgage crediting. Among the problems of crediting can be called concealment of real incomes of individuals and inability of banks to correctly assess the credit risk of borrowers – legal entities which is caused by lack of transparent reporting and a low level of centralized tracking of credit histories of organizations.http://www.business-inform.net/export_pdf/business-inform-2018-10_0-pages-321_326.pdfbankbanking creditingbanking crediting of individualsbank crediting of legal entitiesconsumer creditingmortgage crediting |
| spellingShingle | Glushchenko Victor V. Sadova Hanna O. The Modern Tendencies of Bank Crediting in Ukraine Bìznes Inform bank banking crediting banking crediting of individuals bank crediting of legal entities consumer crediting mortgage crediting |
| title | The Modern Tendencies of Bank Crediting in Ukraine |
| title_full | The Modern Tendencies of Bank Crediting in Ukraine |
| title_fullStr | The Modern Tendencies of Bank Crediting in Ukraine |
| title_full_unstemmed | The Modern Tendencies of Bank Crediting in Ukraine |
| title_short | The Modern Tendencies of Bank Crediting in Ukraine |
| title_sort | modern tendencies of bank crediting in ukraine |
| topic | bank banking crediting banking crediting of individuals bank crediting of legal entities consumer crediting mortgage crediting |
| url | http://www.business-inform.net/export_pdf/business-inform-2018-10_0-pages-321_326.pdf |
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