Topical issues of developing bank loans in Tomsk region

Abstract

The paper considers the interaction policy of real economy in Tomsk region and banking sector. Based on the analysis of indices of nonfinancial institute activity (indices of industrial production, investment, financial results, economic turnover) and the bank loan structure the authors have determined the imbalance in supplying some sectors with banking credits. It was shown that banking loan is not of investment nature being intended to provide the enterprise current activity; it is slightly connected with "growth points" of regional economy. When considering the conditions of banking loan as a factor which influences the investment activity it is necessary to take into account the differentiation in economic development of various sectors as well as the real level of risks for banks. Within the economy change over to the innovation-based development the conceptual approaches of the state and the enterprises themselves to the banking loan should be changed as well.

Keywords

• regional economics
• economic activities
• banking sector
• bank loans
• supply of banking credit