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The article investigates the basis of the problem of bank lending. It is determined that with the increase in the volume of loans extended, the number of non-repayable loans to borrowers increases, which in turn leads to a shortage of cash resources and as a consequence affects the level of interest rates on loans. It is stated that one of the reasons for the increase in credit rates is the attraction of expensive resources. It is proposed to control these risks to commercial banks of Ukraine, which will ensure the quality of the loan portfolio. Also, a significant problem in the field of bank lending is the lack of legislative support for its implementation.Keywordscredit, credit relations, credit policy, credit services market, bank lending.

Problems of Improvement of the Banking Credit Mechanism as a Means of Stimulating the Development of the Credit Service Market in Ukraine