COOPERATION OF A STATE AND BANKS IN INNOVATIVE PROGRAMS IMPLEMENTATION

Background. The offered scientific research is dedicated to the problems of the innovation potential development on the basis of partnership between innovation enterprise participants and mechanism formation of state-bank partnership in Ukraine. The model of cumulative innovation programs for the state-bank partnership can be an important element of such mechanism. Recent researches and publications analysis of the chosen scientific area proves the insufficiency of theoretical argumentation of the formation processes of the stete-bank partnership mechanism in the innovation potential development. The majority of the existing researches is focused on the importance and necessity of such mechanism. However, the organizing principles of the formation and usage of the state-bank partnership mechanism in the innovation potential development, being out of researchers' attention, is an urgent scientific question, which forms the main purpose of the research. Results. The central aspect of the provided research is discovering the main obstacles in the cash security for the innovation potential supply in Ukraine and confirmation the creation expediency of the practical government-bank partnership mechanism in the innovative sphere. An offered model of the cumulative project programs through the cash flows combination of the government, banks and innovation enterprises is directed on the activation and effective organization of the country innovation potential cash security system. The organization principles of this model efficiency are proved: combination of the accumulated insurance funds and encouraging savings systems, the basic requirements for borrowers by banks, systematization of the basic eligibility criteria for banks to enter the cumulative project programs of the state- bank partnership. Conclusion. The provided research in author's opinion is able to become the basis for the further schemes and models elaboration of the state-bank partnership project programs, concrete purpose-oriented terms of the country innovation potential development, detalisation of the main demands to the all participants of this partnership.