home Finance Groshі that credit - Savluk M.І.

Groshі that credit - Savluk M.І.

9.5. ROLE OF LOAN ROZVITKU Economy

Vikonannya credit Pevnyi funktsіy, SSMSC Je Wink yogo sutnostі, daє zmogu Yomou vіdіgravati Nadzvychaina sytuatsia great role in rozvitku Economy i suspіlstva in tsіlomu. H hour tsya role zmіnyuvalas. Sche have perіod pervіsnoobschinnogo fret s sіm'ї appears that Mainova rozsharuvannya suspіlstva credit spriyav rozpadu tsogo i fret zarodzhennyu rabovlasnitskogo. Aje one hto not rotate zmіg Borg for otrimanoyu pozichkoyu, Stavan slave Svoge lender. Credit rozoryav rabovlasnika i lord, SSMSC otrimuvali credit for neproduktivnі tsіlі - Keeping vіyn, pridbannya predmetіv rozkoshі toscho and potіm could not yogo rotate. Credit spriyav Formation kapіtalіstichnogo fret dopomagayuchi stvoryuvati novі virobnitstva, spriyayuchi kontsentratsії i tsentralіzatsії kapіtalu. Digit mіroyu credit spriyav zmіnі "oblichchya" very kapіtalі-particle fret dopomagayuchi polіpshiti Zhittya wide verstvam population rozbudovі suspіlstva sotsіalnoї spravedlivostі.

In svoїy pererozpodіlnіy funktsії loan, yaky harakterizuєtsya temple mobіlnіstyu actively vplivaє on OAO All processes suspіlnogo vіdtvorennya. Nasampered credit vіdіgraє valued role in organіzatsії penny rozrahunkіv - gotіvkovih i bezgotіvkovih. Vіn takozh dopomagaє sub'єktam gospodaryuvannya zbіlshuvati obsyagi virobnitstva, zabezpechuvati bezperebіynіst krugoobіgu main st working kapіtalu that Unikat krizovoe yavisch. Especially-valued role in loan zadovolennі timchasovoї require in Costa, obumovlenoї sezonnіstyu virobnitstva that realіzatsії produktsії.

Credit spriyaє rozshirennyu virobnitstva that restrukturizatsії Economy, spryamovanoї on zmenshennya chastki of companies vіyskovo-Promyslova complex i rozvitok virobnitstva tovarіv national spozhivannya, GOSTR defіtsit yakih postіyno vіdchuvavsya in Radyans'ka Soyuzі. In the minds trivaloї ekonomіchnoї, Especially іnvestitsіynoї, crises in the credit Ukraїnі vіdіgraє valued role in vіdnovlennі dіyalnostі of companies, SSMSC trivaly hour prostoyuvali, dopomagaє їm zmіniti assortment produktsії scho vipuskaєtsya, that polіpshiti її yakіst, zrobiti qiu produktsіyu konkurentospromozhnoyu on vnutrіshnomu i svіtovomu Rink. For rakhunok loan organіzovuєtsya virobnitstvo novoї produktsії, bagato s yakoї ranіshe not vipuskalos in Ukraїnі, stvoryuyutsya pіdpriєmstva spherical poslug population. Especially great role vіdіgraє loan from nasichennі spozhivchogo goods market analysis, in addition chislі іmportnimi.

Credit spriyaє rozvitku reformovanogo sіlskogo Gospodarstwa Ukraine, CIM spriyayuchi not tіlki zabezpechennyu її population visokoyakіsnimi products harchuvannya and promislovostі sirovinoyu and second peretvorennyu nashoї Kraina s її bagatyuschimi chornozemami i spriyatlivim for conducting sіlskogo Gospodarstwa klіmatom at large eksportera sіlskogospodarskoї produktsії. When tsomu digit Location vіdvoditsya іpotechnomu loan.

Dedalі bіlshogo values ​​nabuvaє loan from zabezpechennі population yakіsnim Zhitlo, pobutovoyu tehnіkoyu, stvorennі mozhlivostey for otrimannya osvіti that zadovolennya іnshih sotsіalnih required. Ale Pokey vіn here vikoristovuєtsya Wkra nedostatno.

I valued the role of credit in vіdіgraє ekonomії vitrat obіgu. H yogo Relief vdaєtsya skorochuvati vitrati on vigotovlennya, Key infrastructure in obіg transported, Obl_k, zberіgannya penny znakіv, more-valued їh Chastina vzagalі not potrіbna. W Relief loan takozh priskoryuєtsya obіg zasobіv obіgu, Especially when zastosuvannі Suchasnyj іnformatsіynih tehnologіy. Ekonomіya vitrat obіgu dosyagaєtsya minutes for rakhunok of scho at rozvinutih Credit vіdnosinah zmenshuєtsya stvoryuvati rezervnі require the Fund at rіvnі gospodaryuyuchih sub'єktіv i powers.

Prote on Suchasnyj etapі role of credit in Yogo-pererozpodіl nіy funktsії Pokey scho nedostatnya. Poyasnyuєtsya tse nasampered defіtsitom pozichkovogo kapіtalu in kraїnі. Agregovany bankіvsky kapіtal Ukraine on the cob 2000 r. deprivation becomes 4.6% od GDP, yak at todі kraїnah s perehіdnoyu ekonomіkoyu Tsentralnoї that Shіdnoї Єvropi - in serednomu 40% in OECD kraїnah - Ponad 80%. The cause tsogo Je nizkі income in minds ekonomіchnoї crisis, scho negatively on vplivaє yogo platospromozhnіst and slit bіlshe - on obsyagi yogo zaoschadzhen, SSMSC in kraїnah s rozvinutoyu rinkovoyu ekonomіkoyu Je Main Jerel Credit resursіv. Yakscho have Respublіtsі flattered, not naybagatshіy kraїnі, bankіvskі deposits per capita on the cob 2000 r. We have become 1300 dollars. USA, in Ukraїnі - Troch bіlshe $ 50. Sche odnієyu s the main reason for defіtsitu pozichkovogo kapіtalu Je yogo "to flow" across the border, and takozh digit funktsіonuvannya koshtіv, in addition to chislі іnozemnіy valyutі, posture banks have "tіnovіy" ekonomіtsі.

Ukraine Got NAUKOVO-digit tehnіchny potentsіal, about scho svіdchat її dosyagnennya in raketo-, lіtako- i sudnobuduvannі, іnshih Galuzo promislovostі. Same to put zavdannya realіzuvati protyagom 2000-2004 pp. programa Promyslova-іnnovatsіynogo rozvitku ukraїnskoї Economy. In tsomu Nadzvychaina sytuatsia vazhlivu role Got vіdіgrati credit. Aje svoїh іnvestitsіynih koshtіv pіdpriєmstva not toil and mehanіzm bezpovorotno vidіlennya budgetary chi vіdomchih koshtіv on kapіtalnі vkladennya vіdіyshov have passed. Especially values ​​in tsomu nabuvaє venture (rizikovany) loan, yaky in bagatoh kraїnah funktsіonuє perevazhno s Reigning Relief.

A positive role in virіshennі tsogo zavdannya mozhut vіdіgrati kreditnі place the nebankіvskogo type (pensіynі, strahovі, ​​іnvestitsіynі, profspіlkovі, poshtovі, blagodіynі that INSHI Fund) SSMSC volodіyut digit Costa, їh possible not tіlki іnvestuvati in ekonomіku through rinok tsіnnih paperіv and second nadavati bezposeredno in dovgostrokovy credit Yakscho znyati zaboronu to conduct tsimi install kreditnoї dіyalnostі. Aje in bagatoh kraїnah sama tsі fіnansovі poseredniki stayut main creditor, Especially s nadannya dovgostrokovogo loan. Rozvitku fіnansovo CREDIT SET nebankіvskogo type spriyatime uhvalena chervnі in 2000 r. Programa derzhavnoї pіdtrimki nebankіvskogo fіnansovogo sector Economy in 2000-2002 Ukraїnі on p.

Through defіtsit Vlasnyi kapіtalu for Ukraine on Suchasnyj etapі Got great significance rozvitok loan from mіzhnarodnіy sferі, zokrema kreditnі vіdnosini s Mіzhnarodnim Monetary Fund, the Bank Mіzhnarodnim rekonstruktsії that rozvitku, Єvropeyskim Bank rekonstruktsії that rozvitku, іnshimi mіzhnarodnimi fіnansovo CREDIT іnstitutsіyami. It has already infected a number of Ukrainian bankіv i sub'єktіv gospodaryuvannya tіsno spіvpratsyuyut s bagatma banks zarubіzhnih kraїn. Zavdyaki svoєmu geocentric position in Ukraїnі for Pevnyi minds that when vіdpovіdnih zusillyah mіg bi sformuvatis one іz bearing-down svіtovih fіnansovih tsentrіv.

In rinkovih minds znizhuєtsya role kontrolnoї funktsії bankіv, SSMSC uniquely less then vikoristovuyutsya powers for control over fіnansovo-gospodarskoyu dіyalnіstyu of companies. Prote zrostaє role of credit in Yogo kontrolnіy funktsії. Aje nesvoєchasne Povernennya Tyagny loan for another "shtrafnі" interest and Yogo nepovernennya Mauger prizvesti to bankrutstva pіdpriєmstva. Tse sponukaє pozichalnika dosit oberezhno staviti to zaluchennya loan from svіy gospodarsky turnover and Yakscho credit otrimano, then so gospodaryuvati, dwellers svoєchasno yogo rotate.

In antitsipatsіynіy (emіsіynіy) funktsії credit for Suchasnyj etapі rozvitku Economy peredusіm guilty vіdіgravati antiіn-flyatsіynu role. For tsogo monetary polіtika Got Booty dosit vivazhenoyu.

Bezumovno, s rozvitkom rinkovih vіdnosin in Ukraїnі role in loan suspіlstvі pіdvischuvatimetsya. W h vihodom Economy ekonomіchnoї Creasy zrostatimut income - basic sub'єkta formuvannya Credit resursіv, polіpshitsya fіnansovy camp gospodaryuyuchih sub'єktіv that konkurentospromozhnіst їh produktsії on vnutrіshnomu i svіtovomu market analysis, zmіtsnіyut Ukrainian banks zroste Dovira to Ukraine s side іnozemnih kreditorіv that іnvestorіv toscho . All tse spriyatime priskorennyu rozvitku Ukraine i skorіshomu vhodzhennyu її in єvropeysky i svіtovy Prostir.