APPROACH TO BANKS AND STATE COOPERATION IN CREDIT-AND-INVESTMENT SPHERE BASED ON CONGRUENCE OF TRANSACTORS’ INTERESTS
The article defines a conceptual framework of an approach to banks and state cooperation in credit-and-investment sphere based on congruence of transactors’ interests. The purpose of current government programs is primarily stimulation of banks’ credit-and-investment activity in Russian economy. At that in certain cases credit conditions make it unavailable for legal entities (potential borrowers). The author conceives an approach based on congruence of three main transactors’ interests: 1) company-borrower which obtains credit on conditions that stipulate its steady development; 2) bank by its profit increasing and 3) state by solving a fundamental problem of economic restructuring, growth of government budget and extra-budgetary funds by increasing taxes and other statutory charges.