CURRENT STATE OF BANKING LOANS OF PHYSICAL PERSONS IN UKRAINE

In today's economy, credit is one of the main conditions and prerequisites for the economic development of the state, as well as an important and integral part of economic growth. This leads to the development of a lending system to individuals. The volume of such lending increases annually, expanding the list of banking services to individuals. However, the prerequisites of competition in the lending market of individuals make banks look for ways to increase the efficiency of lending and ensure its attractiveness for households. This process requires not only significant investments, large and extensive network of branches of banks, modern banking technologies, but also a profound knowledge of market participants in the basis of credit relations, understanding the nature and role of lending to individuals in the system of credit relations. Lending to individuals is widespread in all countries of the world and is a guarantee of social and economic stability of the state. . The state, in its turn, improves the regulatory framework, exercising control over the activities of entities and objects of the lending system for individuals, on a regular basis, moreover provides them with state support and state guarantees, which stimulates solvent demand. In addition, the state has an impact on the stability of the banking system, promotes the development and improvement of its infrastructure, as well as protects the interests of consumers of financial services. The article deals with the theoretical aspects of lending to households, the stages of its formation. The analysis of dynamics of volumes and rates of growth of consumer lending in Ukraine is made. The analysis of the current state of bank lending in Ukraine, including lending to individuals, is presented. The analysis of indicators of dynamics of loans given to households was carried out. The analysis of indicators of debts on loans issued to Ukrainian citizens is given. The main problems in this segment are revealed, as well as trends in the development of the consumer lending system in modern Ukraine.