STATE OF LENDING TO SMALL BUSINESS PROJECTS IN COMMERCIAL BANKS AND ITS ECONOMICSTATISTICAL ANALYSIS
Keywords:
small business, commercial banks, lending mechanism, economic and statistical analysis, credit risk, investment project, banking ecosystem, scoring modelsAbstract
This article provides an economic and statistical analysis of the current state of small business
project lending by commercial banks. The research examines the composition and dynamics of the loan portfolio,
as well as changes in loan types over the years. Furthermore, existing problems in the lending mechanism were
identified, and scientifically based proposals and recommendations were developed for the implementation of
innovative risk assessment models and the improvement of the financing system.
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