IMPROVEMENT OF THE ASSESSMENT METHODOLOGY OF LENDING POTENTIAL OF UKRAINE'S BANKS

Object of study. The object of the study are the processes of forming the lending potential of the banking system. One of the most problematic areas is the lack of comprehensive research on the formation of scientific and methodological approaches to determine and assess the lending potential of the bank. The research has emphasized the need to solve problems of innovative development of Ukraine’s economy. Methodology. The information base of the research is the regulations of the National Bank of Ukraine, official analytical and statistical data of organizations and the results of scientific research of leading economists. The following methods have been used: abstraction and morphological analysis (specifying the definition of “lending potential of the bank”); system-structural, induction, deduction, coefficient (in the development of scientific and methodological approach and quantitative assessment of the lending potential of banks); comparative analysis and logical generalization, which allowed to determine the prerequisites for the development of bank lending to the economy and their role in financing investment projects in Ukraine. Results. The necessity of developing measures for the rational use of lending potential, including the results of the calculations, the insignificant lending potential of Ukrainian banks in the period 2014-2017 which has been growing rapidly since 2018 has been revealed. It has been proved that the profitability of non-financial corporations gradually increases during the study period, which has a positive effect on their workload regarding debt service. These trends create the preconditions for the development of bank lending to the real sector of the economy and households. It has been noted that only 6% of innovative projects are financed with the use of bank loans. Scientific novelty. The article has proposed to deepen the methodological approaches to the disclosure of the content and quantitative assessment of the lending potential of banks. The information obtained is the basis for determining the possibilities of creating a positive lending potential of banks. A prerequisite for the effective use of potential is the availability of solvent borrowers and the absence of excessive debt burden. Theoretical and (or) practical significance. The use of the proposed methodology allows to assess the prerequisites for the development of bank lending and the implementation of a positive contribution of the banking system to economic growth