THEORETICAL FOUNDATIONS OF THE ORGANIZATION OF THE SYSTEM OF INTERACTION BETWEEN ENTERPRISES AND BANKS IN MODERN CONDITIONS
Authors:   Dniprovsk State Technical University, Yudina Svetlana , Martyniuk Felix ,   Dniprovsk State Technical University, Hryshchenko Maxim ,   Dniprovsk State Technical University
Published: January 2025

The article is devoted to the definition of the theoretical foundations of the organization of the system of interaction between enterprises and banks. It is noted that insufficient activity of the banking sector in interaction with enterprises should be attributed to the factors restraining the development of the country's economy. It was determined that the specifics of the production sector of the economy and the nature of commercial banks determine the need for active interaction between these two sectors of the economy. It is noted that a feature of the system of interaction between enterprises and banks is the specificity of their choice of partners. The proposed classification of forms of interaction between enterprises and banks according to the following features: the role of subjects, building the direction of relations, the chosen toolkit of interaction, the size and industry specifics of the enterprise, the positioning of the bank in the market of banking services, the degree of independence of the bank in making decisions, as well as the direction of expansion chosen by the bank. To increase and optimize the client base of banks, a methodical approach of grouping based on such criteria as the size of the average daily account balances and the amount of loan debt of enterprises is proposed. This approach of grouping the bank's clients makes it possible to monitor changes in the structure of the client base, to carry out an operational analysis of interaction with enterprises. For the development of cooperation between enterprises and banks, a methodical approach to improving the mechanism of cooperation between enterprises and banks, based on the conclusion of contractual relations, is proposed. The peculiarity of the approach is: conclusion of contracts fixing the terms, dates of changes in the volume of services provided by the bank; application of the method of grouping the bank's client base; application of the approach to setting the interest rate for the loan. The proposed structural and logical scheme for the company's selection of banks participating in the organization of the interaction system. The organization of the system of interaction between enterprises and banks according to the proposed scheme allows to provide enterprises with the following advantages: cost reduction due to an increase in the number and quality of banking services received; reduction of service tariffs; increasing the level of certainty for both enterprises and banks; obtaining additional banking services; implementation of joint projects. It is also proposed to use the classification of the client base based on the size of the enterprise in order to improve the interaction between the enterprise and banks. The conclusion states that the proposed approach to improving the mechanism of interaction between enterprises and banks, based on contractual relations, allows to expand interaction in modern conditions.