Теоретичні засади механізму банківського інвестиційного кредитування в Україні

Abstract

Автором досліджено основні переваги та недоліки джерел фінансування інвестицій. Розглянуто теоретичні засади банківського інвестиційного кредитування в вітчизняній економічній літературі, запропоновано власне визначення банківського інвестиційного кредитування. Досліджено теоретичні засади та практичні аспекти механізму банківських операцій з інвестиційного кредитування, запропоновано власне визначення ме-ханізму банківського інвестиційного кредитування, здійснено формалізацію механізму банківського інвестицій-ного кредитування з виокремленням структурних груп його складових елементів. Ключові слова: інвестиції, джерела фінансування інвестицій, банківське інвестиційне кредитування, механізм банківського інвестиційного кредитування.

As the title implies the article describes an actual and current theme, which is related to one of the most controversial issues in the modern theory of the credit. Various approaches to the definition of bank invest-ment crediting that exist in the domestic economic thought are considered in the article. It sets out the views of the individual modern Ukrainian scientists on the definition of such concepts as "banking investment loans" and "the mechanism of bank investment credit-ing ". Based on the theoretical study of bank invest-ment crediting, the author of the article suggested his own definition of the concepts of bank crediting and the mechanism of bank investment crediting. For the purpose of in-depth study of theoretical basis of the mechanism of bank investment crediting, an approach to structuring its mechanism was considered. In result, it was found out that the structure of the mechanism of bank investment crediting consists of three basic groups of its elements. They are: fundamental elements of the mechanism of bank investment crediting, organ-izational and economic elements of the mechanism of bank investment crediting, procedural elements of the mechanism of bank investment crediting. In its turn, the fundamental elements of the mechanism of bank investment crediting include: legal and regulatory sup-port, general economic and political situation, the prin-ciples, purpose, tasks, objects and subjects of the mechanism of bank investment crediting; the organiza-tional and economic elements include relationships between the subjects of the mechanism of bank in-vestment crediting; the procedural elements include instruments, the basic parameters and conditions of crediting. For the purpose of formalizing the mecha-nism of bank investment crediting, it was determined the basic principles of the mechanism of bank investment crediting: the principle of comprehensiveness, the principle of synergetic effect, the principle of balancing the interests of all subjects of bank investment credit-ing, the principle of control of the probability of unac-ceptable risks at all stages of the credit operation. In conclusion, the author stresses, that a rather complex structure of the mechanism of bank investment credit-ing highlights the need for further study of the theoreti-cal foundations and practical aspects of its functioning. Keywords: investments, the sources of financing of investments, bank investment crediting, bank invest-ment crediting mechanism.