БАНКІВСЬКИЙ КРЕДИТ ЯК ДЖЕРЕЛО ФІНАНСУВАННЯ ІННОВАЦІЙНОГО РОЗВИТКУ ЕКОНОМІКИ

Анотація

The article states that the current conditions of the development of the Ukrainian economy require the introduction of innovations, which increases the need for using balanced sources of their financing and rethinking the issues of theoretical substantiation of a comprehensive resource supply of transition to innovative economic growth. The role of credit in economic growth, its influence on social development through the purposes and possibilities for financing innovations in the economy has been proved. The scientific theories of credit of various economic schools (naturalistic, capital-making, institutionalism, and monetarism) have been studied. The approaches to determining the functional role of credit in the economy, according to which credit has a negative, moderate and strong impact on the economic process, have been systemized. It is stated that most researchers recognize the significant effect of credit on the growth of the economy, and its decisive force is manifested in promoting the growth of production in terms of reproduction, its expansion and innovative development. The advantages of studying the world experience of economic theory are in determining its connection with banking activities. The essence of the scientific category of “banking innovative lending” has been defined, the methodological statements have been formed and the advantages of its application as a source of financing innovative development of the economy are proved.