Okhrymenko I. Consumer credit in Ukraine: realities and prospects of development

In the thesis scientific and categorical apparatus of the nature, functions, forms and types of credit, lending guidelines are characterized, approaches to understanding consumer credit are developed, interpretation of consumer spending, banking, consumer credit are refined, its classification is offered. Its role and importance in the economy is defined on basis of the impact of consumer credit on macroeconomic indicators. A comprehensive study of the transformation of consumer credit in Ukraine in the conditions of financial globalization is conducted, the presence and the character of its influence are proved. Systematic factors have a significant impact on consumer credit in Ukraine, fleshed out the basic problems of the banking consumer loans and justified topical solutions. Methodical approaches to increasing of the efficiency of consumer credit in the Bank and improvement the methodology for assessing the creditworthiness of borrowers in consumer lending were developed. The interpretations of the concept of lending standards is given. The necessity of their integrated development is proved and directions of development in order to improve the efficiency of regulation of consumer credit in Ukraine and offered under present-day conditions.