Development of the system of interaction between the banking and real sectors of the economy: a conceptual approach

The article discusses the issues of interaction of two sectors important for any economy, on the success of interaction of which depends not only the effectiveness of their subjects’ functioning, but also the progressive development of the entire economy. The author analyzes problems that not only have not lost their importance at the present stage of the economy development, but have become aggravated due to the combined negative impact of factors related to such modern trends as devaluation and inflationary, globalization and integration processes, external shocks and geopolitical risks. The author’s ideas are reflected in his concept of a systemic interaction between the banking and real sectors of the economy, which is based on the idea of concentrating the efforts of subjects of interaction and the state from the point of view of management and regulation based on the potential of the subjects of interaction, a reasonable combination of incentive and regulatory measures of the state, and accounting features of the main stages of the economic cycle at all levels of the economy. In this connection, it is proposed to change the vector of the countercyclical principle implementation from the point of creation of a countercyclical reserve in the favorable years of economic development through the integrated use of the whole range of stimulating measures of the state in order to succeed in the next wave of recession to form stable informal institutions of behavior of banks and enterprises that can continue their independent interaction in crisis.

взаимодействие, банки, реальный сектор, партнерство, экономический цикл, система, механизм, өзара әрекеттесу, банктер, нақты сектор, серіктестік, экономикалық цикл, жүйе, тетік, interaction, banks, real sector, partnership, economic cycle, system, mechanism

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