BUSINESS INFORM №10-2015

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Section: Finance, Money Circulation and Credit
UDC 336.77
Duhina I. V., Luchko H. Y.
Economic Characteristics of the Ukrainian Consumer Crediting Market (p. 341 - 347)
On the basis of an analysis of the data by both NBU and the State statistics service of Ukraine, conditions of the banking system have been characterized and the economic characteristics of consumer crediting have been determined. It has been identified that the potential of consumer crediting in Ukraine has been insufficiently used, which limits opportunities for economic development of the country. As to the structure of credit portfolio, predominance of the share of loans to households on consumer goods over the credits for the construction and renovation of real estate has been revealed. The unsustainable structure of consumer loans by the kinds of currencies has been recognized, which, in the face of the devaluation of the national currency, significantly increases the payment and currency risks of banks. The need for enhanced consumer crediting market has been determined a prerequisite for the development of the internal market and the real sector of economy.
Keywords: banking system, bank crediting, consumer crediting, consumer loan, structure of consumer crediting
Fig.: 5. Tabl.: 3. Bibl.: 10.

Duhina Iryna V. – Lecturer, Department of Accounting and Audit, Lviv Educational-Scientific Institute of the University of Banking (61 Viacheslava Chornovola Str., Lvіv, 79019, Ukraine)
Email: [email protected]
Luchko Halyna Yo. – Candidate of Sciences (Economics), Associate Professor, Associate Professor, Department of Project Management, Lviv Polytechnic National University (12 Stepana Bandery Str., Lvіv, 79013, Ukraine)
Email: [email protected]

Article is written in Ukrainian
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Reference to this article:
Duhina, Iryna V., and Luchko, Halyna Yo. (2015) “Economic Characteristics of the Ukrainian Consumer Crediting Market.” Business Inform 10:341–347.

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