Інновації та забезпечення їх банківського кредитування в Україні

Abstract

У статті досліджено еволюцію поглядів на сутність інновацій, їх роль у розвитку суспільства. Наведено класифікаційні ознаки для виокремлення їх видів. Обґрунтовано підхід до поділу інновацій на закриті та відкриті. Зосереджено увагу на тенденції банківського кредитування в Україні, обґрунтовано можливості та досвід кредитування інновацій окремими вітчизняними банками. The role of innovations within the process of social and economic development is considered in the article. Nowadays, due to the diversity of sources for financing innovation, there is a need to consider the particular role of each of them. It is defined that investment process is to be considered as a complex one, which takes place not only in the economy, but also in other areas of human life nowadays. The different points of view on the essential characteristics of the financing process definition within our modern society are investigated. The diversified approaches to structuring sources for financing innovation are distinguished. In particular, the attention is paid to the banks and their important role within innovative process nowadays. The banks are expected to deliver innovative services, which influence both innovative and economic development. The structure of financing sources of innovation activity in Ukraine is shown and analysed. The possibilities of expanding the sources for financing innovation by attracting alternative banking financial sources are highlighted that allow activating innovative development of the national economy. It is proved that the innovative aspect of bank financing is able to create the prospects for the growth of the scientific and innovative nature of national economy development.