BANK INNOVATIVE LENDING SYSTEM: TRENDS OF FORMATION AND DIRECTIONS FOR PROMOTING DEVELOPMENT IN UKRAINE

The article states that banking system needs to reform, modernize the mechanism of lending, taking into account such an object of lending as innovation, which is a key force for economic growth. It is known that there is no integral methodology for the systematic organization of bank innovative lending, and the works of most scholars are devoted to issues of lending as a system without explaining its essence. The necessity of creating a bank innovative lending system as a set of interrelated subsystems (supporting, managing and managed ones) has been proved. The forms, methods and factors of influence of innovative lending at different levels of the economy have been studied. The input and output parameters of the syste m have been determined; interrelationship with the external environment – the macro-, meso- and microeconomic level – has been established. The factors of the passive role of bank credit in financing the needs of innovative development of Ukraine have been revealed; and measures for promoting lending innovation activity by the state have been offered