LENDING TO ENTERPRISES AND COMPANIES BY BANKS DURING THE ECONOMIC CRISIS

The article examines the availability of bank credit by economic entities during the economic crisis, the main causes of which were the corona pandemic and the full-scale invasion of the aggressor country into the territory of Ukraine. The main opinions of leading scientists regarding lending to the real sector are highlighted, which include: activation of lending through the implementation of complex measures, improvement of the legislative framework and regulatory documents, creation of conditions for investment activities of foreign investors, formation of a high-quality credit portfolio. The comparative table shows the classification of economic entities by size, according to two regulatory documents, and the authors indicate the difference in criteria for the distribution of enterprises. The structure of assets of state and commercial banks of Ukraine for the period 2019–2022 was considered. The structure of banks' assets on a quarterly basis in 2022 and the reduction of the loan portfolio are shown. Readiness for crediting enterprises and companies by banks with foreign capital in the conditions of the corona crisis and martial law in the country was studied. A comparative analysis of the credit portfolio of five leading banks of Ukraine with foreign investments was conducted. The main areas of economic activity that are most in need of financing through the execution of credit agreements with banks have been identified, which include the agricultural sector, forestry, wholesale and retail trade, production and processing activities. The researched main changes implemented by the regulatory bodies in relation to the expansion of the possibility of providing loans to enterprises for the development of the country's economy, which include: addition of the list of guarantees and insurance contracts, objects of unfinished construction and future real estate objects, simplification of methods and approaches to assessment credit risk. Conclusions are argued based on the results of the study, which highlighted the aggravation of the problem of credit relations between business entities and banks. The key aspects for improving the activation of lending to enterprises and companies and improving economic development have been identified. The key aspects for improving the activation of lending to enterprises and companies and improving economic development have been identified.