Resource security of bank lending of non–financial corporations in conditions of economic instability

The subject of the study is the set of relationships between banks and their clients regarding the
attraction of deposit funds and lending to non–financial corporations
The purpose of writing the article is to determine the problems of resource provision of bank
lending to non–financial corporations of Ukraine and to develop recommendations for the activation of
lending to the real sector in conditions of economic instability.
Work methodology. In the work, general scientific methods of cognition were used, in particular, the graphic method and the comparison method were used to study the dynamics of loans and
deposits; methods of analysis and synthesis for researching the peculiarities of the formation of
resource support for lending to non–financial corporations; generalization methods for formulating
recommendations for increasing the resource provision of lending to non–financial corporations.
Work results. The low level of resource support for lending to non–financial corporations in Ukraine
is substantiated; it is proven that the low level of trust in banks in Ukraine leads to an increase in the
share of short–term deposits, which leads to a decrease in the banks’ ability to lend.
Conclusions. Significant deterioration of the resource provision of bank lending to non–financial
corporations as a result of the negative impact of the crisis phenomena provoked by the war with the
Russian Federation on the structure of the deposit base of banks. The low level of effectiveness of the
mechanism of long–term refinancing of banks has been proven, because refinancing loans, acting as
bank resources involved in accordance with regulations, are used exclusively to support bank liquidity,
and not to activate lending to the real sector of the economy. the outlined trends make it necessary to
revise the interest rate policy for refinancing loans and target the purpose of such loans, which should be
directed to the financing of specific projects for the development of the economy and its infrastructure.