TITLE:
Bank Lending Efficiency in the Real Sector of the Economy of Ukraine within the Period of 2011 to 2014 Years
AUTHORS:
Mohammad Ayaz Ahmad, Grigorii P. Kots, Vyacheslav V. Lyashenko
KEYWORDS:
Technical Efficiency, Bank Lending, Real Sector of Economy, Stochastic Efficiency Boundary, Loans, Deposits
JOURNAL NAME:
Modern Economy,
Vol.6 No.12,
December
10,
2015
ABSTRACT: According to the classical
theory of banking development and traditional idea of practical matters of bank
management, lending is one of the main directions in banking. It is connected with
that realization of credit transactions should be considered as a defining component
of bank management. According to this defining component each separate bank will
organize loan of resources and their subsequent arrangement on proper conditions
and on proper risk. Hence, taking into account the retrospective review, the work
analyzes the fluctuations of rating values of the bank lending efficiency in the
real sector of the economy. The analysis is carried out on the example of the banks
of Ukraine within the period of 2011 to 2014 years. For the purpose of examining
the values of bank lending efficiency in the real sector of Ukraine’s economy, the
article considers the efficiency stochastic boundary model. There were analyzed
in detail the forms of distribution by particular efficiency value levels of bank
lending in the real sector of Ukraine’s economy, which were obtained for 16 different
time dates from the interval analyzed. There was made the conclusion about necessity
of balanced use of real resources of banks for growth of crediting efficiency.