The relationships between the real economy companies and banks in Russia during lending: evaluation and development trends

The bank loan provides a real opportunity to cover the expenses of entities in the real economy related to meeting the needs, an acquisition of fixed and current assets, a temporary increase in production supplies and production expansion. The research analyzes current relationships between real economy companies and banks within the lending process. The author concludes that the bank-lending system in the real economy requires development and improvement. To enhance this type of lending, it is proposed to develop the innovative lending mechanisms for legal entities; improve the risk management system in commercial banks; determine the best lending rate; devise and implement an operational algorithm for estimating the collateral value during commercial bank lending; use the co-financing tools of commercial banks along with public authorities and business innovation projects; develop the new lending products for companies.