Mechanism and functions of economic institutions while lending target investment projects and increasing intellectualization of industry

External conditions of developing and increasing intellectualization of industry that created by state are researched. The conclusion about opportunity of industry intellectualization is justified as a result of making investment projects and business development plans with using of the directed lending mechanism by commercial banks during the adoption of bills enterprises in the provision of refinancing commercial banks.Functions of all the economic institutions as participants of the directed industry lending process: national government, national bank, industrial enterprises, commercial banks - are allocated.