Assessment of the availability of bank loans for the subjects of the real sector of the economy and SMEs in the Republic of Kazakhstan

Abstract

Object: The purpose of the study is to analyze the availability of credit resources for economic entities of Kazakhstan and to develop recommendations for ensuring access to bank loans and improving credit conditions.
Methods: The study analyzes the dynamic series reflecting the change in the characteristics of the credit activity of the second-tier banks of the Republic of Kazakhstan and the indicators of lending to the economy. Based on the use of coefficient analysis, a complex indicator is calculated that characterizes the level of relationship between banks and borrowers in the lending process.
Findings: The article identifies the main obstacles limiting access to lending for economic entities, including price and non-price lending conditions, the debt burden of enterprises and high credit risks. Recommendations on improving the lending activities of Kazakhstani banks to expand the volume of lending and ensure the availability of loans for economic entities are proposed.
Conclusions: Based on the indicators of the debt burden and the proportion of overdue loans, a comprehensive indicator of the interaction of banks and borrowers in the lending process was calculated. Expanding the access of economic entities to bank loans will have a positive impact on the development of economic activity and, ultimately, a positive synergetic effect on many socio economic processes.