PROBLEMS OF FORMING LONG-TERM INVESTMENT RESOURCES IN COMMERCIAL BANKS

Abstract

This scientific thesis examines the problems of forming long-term investment resources in commercial banks and the ways to solve them. Commercial banks play an important role in financing the real sector of the economy, supporting production enterprises, lending to infrastructure projects, and increasing investment activity. However, the insufficient formation of a long-term resource base in banks negatively affects the volume and maturity of investment loans. The thesis analyzes the concept of long-term investment resources, their sources of formation, existing problems, and issues of their effective management in commercial banks. It also provides recommendations on the development of long-term deposits, bank bonds, funds from international financial institutions, and the use of capital market instruments.