Banking investment lending: theoretical aspects and current status

This article deals with the essence of the bank investment lending, analyzed the current situation in the field of domestic bank lending to investment in fixed assets, the basic problems of crediting of the real sector of the economy and suggest ways to address the problems identified. According to authors, bank investment crediting is the economic category implying granting bank credit resources to borrowers on creation or acquisition of the fixed business and non-productive assets on the terms of recoverability, availability at a price, security and target use of means. In the last three years in structure of the attracted resources investments from abroad appeared. This change is positive as confirms increase in investment appeal of the Russian Federation, despite sanctions and other negative factors. In the conclusion authors come to a conclusion that they have to become the main directions of investment process the forced growth of capital investments, first of all, in development of public infrastructure and housing construction; investment into the sectors capable to provide competitiveness of the Russian economy; support of a number of the key sectors which do not have due investment potential; innovative nature of investments.