MAIN DIRECTIONS OF IMPROVEMENT OF INTERBANK CREDIT LIABILITIES IN UKRAINE

The article substantiates the role of interbank lending as a component of the banking system. Changes in the volume of interbank lending in Ukraine and their relationship with the performance of banks are analyzed. Interbank loans are the basis for the implementation of interbank lending, the implementation of which is the process of interbank lending. Also, the main task of further development of the interbank lending market in Ukraine is to create an organizational structure of the interbank lending process, to improve the system of internal control over all risks inherent in interbank lending operations, and to refine the regulatory framework. The current conditions of the banking system require increasing the capital of banking institutions by borrowing financial resources in the interbank and stock markets. As a result of such transactions, loans or non-deposit liabilities to creditors initiated by the banking institution itself are generated. Changes in the structure of credit investments are analyzed. It was found that the rate of decline in banks' net income is significantly higher than the rate of decline in interbank lending, which indicates a low performance of interbank loans. And also on the basis of the conducted research on the nature of interbank credit and definition of interbank credit market using a systematic approach, it can be argued that interbank credit performs the following functions: maintenance of bank liquidity, expansion of the resource base, crisis indicator. Interbank lending has several advantages over other sources of replenishment of banks' resource base, namely: reliability of repayment of borrowed funds and short-term nature. The main reasons for the emergence of bank loans in the bank portfolios, the reasons for the increase in interest rates on loans have been analyzed. Topical issues affecting the development of interbank lending are considered, and possible ways of solving these problems are suggested. The basic directions of improvement of credit activity of domestic banks are determined.