employee
The relevance of the research topic is due to the specific features developed by banking practice in the field of lending to the real sector of the economy. The article examines the distinctive features of lending to enterprises in the real sector of the economy in comparison with other segments of the credit market, substantiates the significant circumstances limiting the possibility of providing bank loans to corporate borrowers. The work is devoted to the study of the features of bank lending to enterprises in the real sector of the economy, consideration of its functions and problems arising in the lending process. The author emphasizes the dual nature of this type of lending, where, on the one hand, enterprises contribute to economic growth and added value, and on the other hand, they need external financial resources to ensure their profitability. Unlike equity capital, a bank loan allows you to preserve the sovereignty of an enterprise and avoid losing control over the business. The main attention is paid to bank lending systems that perform both macroeconomic and microeconomic functions.
banks, the real sector, bank lending, enterprises
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