ACTIVATION OF BANK LENDING OF SMALL AND MEDIUM-SIZED ENTERPRISES TO OVERCOMING FINANCIAL AND ECONOMICAL CRISIS

The subject of research is the problem of activity bank lending of the Ukrainian small and medium-sized enterprises in conditions of present economic crisis. The purpose of scientific problem is determining the present-day state of bank lending and definition priority measures to overcome the problem of lending of small and medium-sized enterprises. Methods of research. In the study of problem and attaining object were used such general scientific methods: systematic approach, methods of abstraction, analysis and synthesis and compare to study the status and trends. Results of work. The proposals for the improvement and activation of the situation in lending of small and medium-sized enterprises are formulated on the basis of the study and analysis of national experience. Practical implications. In research presented the theoretical principles, conclusions and recommendations which can be used for forming policy of the normal lending to small and medium-sized enterprises. Conclusions. In order to ensure the active participation of the banking system in the formation of the investment resources of small and medium-sized enterprises need to improve the mechanism of this program, namely an optimal combination of legislative, administrative and regulatory and economic spheres of influence on the credit activity of commercial banks for ensuring simplified the process of access of small and medium-sized businesses to credit banking system.