TRENDS AND SPECIFIC FEATURES OF ENTREPRENEURIAL STRUCTURES CREDITING: REGIONAL ASPECT
Crediting of entrepreneurial structures is an important element in the development of regional economy. In order to identify trends and features of crediting, an analysis of using credit resources by legal entities and individual entrepreneurs by the type of economic activity in a particular region was carried out on the basis of economic and mathematical methods. The approach offered by the authors with the use of exploratory factor analysis made it possible to identify the preferred sectors of the national economy of the city of Sevastopol from the point of view of the client base for crediting: real estate transactions and construction, industrial production and trade. The first two groups of entrepreneurial structures are the most profitable in the region; their services and products are in high demand. In general, in Russia, the largest amount of credits is given to commercial enterprises, manufacturing industries, and other types of economic activity, the smallest sums go to construction companies, what emphasizes the peculiarities of the provision of credits to economic agents in the city of Sevastopol. There is a general downward trend in entrepreneurial crediting. The developed economic and mathematical tools are offered to local governments as a basic toolkit for the analysis and identification of features, trends in crediting to entrepreneurial structures in the region, identification of the most active economic entities in a certain territory. The corresponding calculation basis for local authorities can also serve as a way to recognize the problems of financing the priority sectors of the national economy of the region, therefore, to be a trigger for their support not only by providing state guarantees to banks, but also by forming a public-private partnership. This will increase the justification of managerial decision-making at the regional level and contribute to the social and economic development of the region.