Kravchenko A. Оptimization bankіng kredit rates

The thesis is dedicated to the comprehensive detailed study of theoretic and applied aspects, bases, methods level of credit rates in general and in long-term bank lending of agrarian enterprises in particular. It has been investigated the essentiality of credit market and lending rate and presented the delimitation and the systematization of mediated and immediate influence factors on lending rate. The foreign experience on the methods of lending rate management has been investigated as well. It has been grounded the optimality of the mathematical method of the necessary lending rate modeling. It has been estimated the tendencies of bank lending, particularly, the long-term bank lending of agrarian enterprises and rate lending dynamics in Ukraine during the last 18 years. An influence of the primary factors on lending rate has been determined. It has been discovered the influence factors on volume of long-term bank lending of agrarian enterprises. The methodology the lending rate of analysis has been improved on the basis of application of a necessary lending rate model and detection of factors influence on the lending rate by determination of elasticity coefficients; it has been worked out a prediction of money market development and lending rate dynamics in prospect; an economic-mathematical model of the necessary lending rate has been applied to optimize the lending rate on money market; it has been developed the original economic-mathematical model to optimize credit brief-case of bank taking info account the specifics of the enterprises - recipients of a loan and credit types by grant terms.