BANKING CREDIT INSTRUMENTS: RESEARCH OF THE ESSENCE AND ROLE IN THE REAL SECTOR OF THE ECONOMY OF UKRAINE
DOI:
https://doi.org/10.31471/2409-0948-2020-1(21)-195-201Keywords:
financial instruments, credit instruments, banking credit instruments, loans, bank lending, real sector of the economy.Abstract
The purpose of the article is to study the essence of banking credit instruments on the basis of modern approaches in economic science to formulate its own definition of this definition in order to assess the relationship of the impact of banking credit instruments on the development of the real economy.
Research methodology. The theoretical and methodological basis of the research is the work of domestic and foreign authors on the research of the essence of banking credit instruments and their impact on the functioning of the real economy of Ukraine, Internet resources. In the course of the research, the system-structural approach was used to identify the laws and peculiarities of the development of banking credit instruments. Methods of analysis and synthesis, scientific abstraction, historical and logical approaches were applied for studying the essence of credit instruments; induction and deduction were used for the analysis of domestic features of the use of banking credit instruments in stimulating economic development in Ukraine.
Results. Theoretical developments of domestic and foreign scientists on the interpretation of the essence of "credit instruments" are generalized and based on their systematization the determination of the essence of banking credit instruments is proposed. The influence of banking credit instruments on the development of the real sector of the economy is presented.
Scientific novelty. Author's interpretation of the essence of banking credit instruments is suggested, which contributes to their more efficient use in order to develop a real economy, since it takes into account the final result for participants in the credit market.
Practical significance. The obtained results of the study give an opportunity to use them by banking institutions in order to increase the efficiency of credit instruments for the development of the real economy at the macro and microeconomic levels.
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