UDC 332:336.77:336.712
Muzyka, I. S. (2015). Loans of regional economy: issues, trends, directions of activation. Rehional'na ekonomika - Regional Economy, 75(1), 96-103.
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Authors

Resume

On the basis of the conducted research of concentration of the resource base of domestic commercial banks it is identified the existence of six financial centers in Ukraine, which formed during the period of the study about 90% of the banking infrastructure of the country. The structure of credit and investment portfolio of commercial banks in the section of the determined financial cents and in the section of the entities of attraction is analyzed. The attention is paid to the problems of inter-regional differentiation by indicators that characterize the lending of entities of the economics of Ukraine. It is proved that we can not completely positively evaluate a fact that a maximization of credit investments in the real economy allows to maximize economic effects which as a result of such infusions may occur. Based on this statement it is identified that the efficiency of lending must be determined through the growth of GRP, which is caused by attraction to the economics credit resources. It is calculated the share of GRP, which was created as a result of attraction by entities of the economics of the regions of the country the resources. The results allowed to state an insignificance of such effect. On the basis of the conducted research is suggested a number of direction of solution of the existing problems which were grouped on the basis of organization of interaction and interplay of the three main levels: national, regional and local.

Keywords:

lending, banks, region, disproportions, regional development