Economic Characteristics of the Ukrainian Consumer Crediting Market
Journal Title: Бізнес Інформ - Year 2015, Vol 10, Issue 0
Abstract
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.
Authors and Affiliations
Iryna Duhina, Halyna Luchko
Keywords
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