METHODOLOGY FOR ASSESSING THE OVERALL QUALITY OF THE BANK'S INDUSTRIAL LOAN PORTFOLIO IN A DYNAMIC MACROECONOMIC ENVIRONMENT
Abstract
The problems of the modern development of bank lending to industrial enterprises are mostly in the focus of attention of scholars from developing countries, post-socialist countries and medium-sized transition economies. This is due to the need to address industrial problems of economic development, especially in terms of increasing the role of the knowledge economy in economic recovery through industrial development. Although the role and importance of industrial enterprises in economic growth is well known, the direction of scientific and practical research by domestic scholars on the development of bank lending to industrial enterprises is not sufficiently developed. The experience of bank lending to industrial enterprises in Ukraine is not as long as in Western Europe or the United States, and is generally characterized by low efficiency and downward trends. The aim of the study is to develop a methodology for assessing the overall quality of a bank's industrial loan portfolio in the dynamic macroeconomic environment. The paper analyses the state of development of domestic and foreign scientific thought in the field of bank lending to industrial enterprises. The general trends in the development of bank lending to industrial enterprises in Ukraine are analyzed. It is proposed to allocate the industrial loan portfolio of a bank as an important structuring component of the loan portfolio of non-financial corporations to be a separate object of analysis and evaluation in the monitoring process. The key characteristics of the quality of the bank's industrial loan portfolio are identified. A methodical approach to assessing the overall quality of the bank's industrial loan portfolio in the dynamic macroeconomic environment, which involves the use of economic and mathematical modeling tools, has been developed. The author's proposed methodological approach to assessing the overall quality of an industrial loan portfolio in a dynamic macroeconomic environment is a comprehensive approach to assessing its profitability and risk level, as well as its resistance to external environment, which allows it to be an effective monitoring tool.
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