The assessment of the impact of bank lending on Kazakhstan's GDP based on regression analysis

The article reviewed the current trends in the development of bank lending in the Republic of Kazakhstan. Bank credit is an effective mechanism for concentrating and flowing capital between industries, which is especially important in solving the problems associated with investing in the real sector of the economy. Banking strategy for the medium term should be based on strengthening interaction with the real sector of the economy and increasing the investment orientation of banking activities. However, under the influence of macroeconomic instability, the structure of banking assets and liabilities shows a slight impact of the banking system on economic activity and investment processes. In this regard, the purpose of the study is to determine the degree of influence of bank lending in various industries on the GDP of the Republic of Kazakhstan, taking into account the existing features and the credit potential of banks. In the process of analyzing the current state of bank lending, particular attention is paid to the central problems faced by banks and borrowers, including high credit risks, lack of long-term credit resources, low availability of loans for enterprises of the real sector of the economy. The analysis is based on statistical materials and data of the National Bank of the Republic of Kazakhstan and second-tier banks. As a result of the study, a multifactor model of the relationship of bank lending to industries and GDP was developed, aimed at improving the efficiency of banks' credit activities in the context of the need to ensure macroeconomic effects. Recommendations for the development of investment lending to Kazakhstan banks and increasing the availability of bank loans are offered.

банковская система, кредиты, инвестиции, отрасли экономики, многофакторная модель, тенденции, эффективность, банк жүйесі, несиелер, инвестициялар, экономика салалары, көпфакторлы модель, тенденциялар, тиімділік, banking system, loans, investments, sectors of the economy, multifactor model, trends, effectiveness

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