MANAGEMENT OF THE BANK'S CREDIT PORTFOLIO AND INFLUENCE ON ITS FORMATION OF SMALL AND MEDIUM-SIZED BUSINESS ENTITIES

Abstract

A management a credit briefcase is one of key aspects of activity of bank institutions, in fact quality, structure and level of diversification of credit briefcase directly influence on financial firmness of bank, his profitability, liquidity and competitiveness. An effective management a credit briefcase becomes especially important in the context of the modern calls, predefined by global economic changes, macroeconomic instability and increase of level of credit risks. On present time, cooperating of banks attracts attention with the subjects of small and midsize businesses, that are the important segment of national economy. The sector of МСБ provides creation of considerable part of workplaces, assists to development of enterprise, innovative approaches and competition environment. At the same time the subjects of small and midsize businesses often run into numerous obstacles in access to the financial resources, among that it is possible to distinguish the high cost of credit funds, hard requirements to providing, lack of financial literacy, and also low level of trust between banks and businessmen. Inprocess by authors undertaken studies of features of management of bank institutions a credit briefcase with taking into account of influence of subjects of small and midsize businesses, that allowed to define directions of optimization of processes of crediting, perfection of politics of management and forming of strategy of effective cooperation of banks risks with this segment of economy. In particular, actual is the conducted analysis of experience of state participating banks, such as corporations the "Savings bank", that play a leading role realization of the government programs of support of enterprise and financing of projects small and middle businesses. In the conditions of economic transformations in Ukraine by authors the considered problems that are actual on this time both in the context of stabilizing of te banking system and from the point of view of support of socioeconomic development through strengthening of role of small and midsize businesses. For perfection of management of bank a credit brief-case, in particular in relation to the segment of small and midsize businesses, authors are form strategic directions that include adaptation of credit politics, in particular, by integration of digital technologies that allow effectively to estimate solvency of borrowers and quickly to react on the changes of economic situation.