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The relevance of the study is due to the fact that in the modern period one of the important tasks is to ensure investment activity aimed at creating new value. Given the limited budgetary sources of financing investments and the inaccessibility of external investment resources, due to the introduction and expansion of anti-Russian sanctions against large businesses, the banking sector, when creating favorable conditions, can become a growth multiplier, a stimulator of the rise in business activity. The purpose of the article: first, to assess the qualitative changes and features in the development of credit relations at certain stages of the Russian economy; secondly, to determine lending conditions that ensure the transformation of savings into investments, as well as sustainable, balanced and dynamic economic growth; thirdly, to substantiate the prospects for the further development of credit relations with borrowers of the real sector, taking into account new challenges of the time. The work uses general scientific methods of cognition and statistical methods of comparison, grouping, factor analysis. As a result of the study of credit relations at different stages of the modern Russian economy, the authors conclude that the problems that have developed in past years remain and continue to grow, causing a decrease in the investment role of credit. According to the authors, in order to solve the problem of modernizing the mechanism of credit relations, it is important to comprehend not only existing trends, but also those phenomena that will become prevailing in the credit relations of banks with borrowers in the real sector in the future. The increase in the role of credit in creating new value can be facilitated by the offer of credit products that are adequate to the conditions of our time, improvement of the rules of the game, structural reforms and balanced economic policies. It is concluded that the elimination of the identified problems that inhibit the development of investment credit relations will contribute to the emergence of a bank of the future that is actively involved in creating new value, maintaining confidence and most fully satisfying the borrower's needs for borrowed funds, without violating the laws and boundaries of the loan. |
