Bank Lending Efficiency in the Real Sector of the Economy of Ukraine within the Period of 2011 to 2014 Years

Abstract

According to the classical theory of banking development and traditional idea of practical matters of bank management, lending is one of the main directions in banking. It is connected with that realization of credit transactions should be considered as a defining component of bank management. According to this defining component each separate bank will organize loan of resources and their subsequent arrangement on proper conditions and on proper risk. Hence, taking into account the retrospective review, the work analyzes the fluctuations of rating values of the bank lending efficiency in the real sector of the economy. The analysis is carried out on the example of the banks of Ukraine within the period of 2011 to 2014 years. For the purpose of examining the values of bank lending efficiency in the real sector of Ukraine’s economy, the article considers the efficiency stochastic boundary model. There were analyzed in detail the forms of distribution by particular efficiency value levels of bank lending in the real sector of Ukraine’s economy, which were obtained for 16 different time dates from the interval analyzed. There was made the conclusion about necessity of balanced use of real resources of banks for growth of crediting efficiency.