The purpose of the article is to develop proposals for intensifying the development of innovative entrepreneurship in Ukraine. The importance of intensifying innovative entrepreneurship is recognized by any business entity, because new innovative ideas, solutions embodied in a particular product can provide competitive advantages. The presence of entrepreneurial initiative by business entities, the use of effective tools to stimulate innovation, creativity and effectiveness of innovation can significantly enhance innovation entrepreneurship and overall efficiency of the innovation process. The methodological basis of this work is the synthesis of general scientific methods of theoretical and empirical research (method of cognition, analysis and synthesis, generalization and systematization of information). Results. Innovative entrepreneurship covers all stages of the innovation cycle: from the initiation of a new idea to obtaining specific results from the market use of the product. The main subjects of innovative entrepreneurship can be any enterprises and organizations that carry out innovative activities or are innovatively active. To develop effective measures to intensify innovative entrepreneurship, first of all, it is advisable to focus on identifying the strengths and weaknesses of innovative entrepreneurship, as well as opportunities and threats for its intensification in Ukraine. In this sense, it is important to assess the current level of innovation process, its staffing and financial resources, the level of innovation infrastructure, the establishment of integration relations between the main participants in the innovation process, the effectiveness of innovation, demand for innovative products and more. Practical implications. The analysis allowed us to reveal certain results. The strengths of the possible activation of the innovative enterprise include: the presence of a high level of personnel component of scientific potential, which characterizes the ability to generate new ideas; accumulated experience of successful innovation, cooperation between science and business, as evidenced by the main indicators of innovation, the number of innovationactive enterprises and enterprises in industry that implement innovations. Weaknesses for the intensification of innovative entrepreneurship should be highlighted: insufficient funding for science and education; declining trends in almost all performance indicators of innovation, which requires rapid implementation of measures to curb their further development in the field of innovation. Thus, in order to intensify innovative entrepreneurship in the near future, it is advisable to implement a number of measures, the tasks of which cover the following main areas of change: clear awareness of the national economy’s ability to innovate, create conditions for new products, increase its competitiveness; ensuring diversification of sources of financing of innovative activity of enterprises in order to reduce the costs of acquisition and use of innovative products; establishing close and productive interaction of the main participants of innovative entrepreneurship. Value/originality. The use of comprehensive analysis allows to identify the main problems of hidden entrepreneurship, taking into account the specifics of its manifestation in modern conditions.
THE CURRENT SITUATION AND TRENDS OF CONSUMER AND MORTGAGE LENDING IN UKRAINE В статті досліджено теоретичні основи та сучасний стан розвитку споживчого та іпотечного кредитування в Україні. Проаналізовано різноманітні наукові погляди стосовно визначення сутності поняття «споживчий кредит» та «іпотечний кредит». Визначено, що активізація споживчого кредитування виступає економічно важливою та вигідною не лише для населення, а й для банківських установ, а також задля стабілізації й розвитку економіки держави в цілому. Роль споживчого кредитування в Україні, в умовах фінансово-економічної нестабільності і погіршення макроекономічних показників є надзвичайно важливою. Іпотечним кредитуванням називають кредитування під заставу нерухомості, а саме кредитування із застосуванням іпотеки як засобу забезпечення поворотності кредитних коштів. Встановлено, що споживче кредитування виступає найпоширенішим видом банківських операцій в розвинених країнах світу, в Україні споживче кредитування надзвичайно вразливе до фінансово-економічної та політичної кризи, котра спонукає до підвищення кредитних ризиків: зменшення купівельної спроможності населення; зменшення довіри до банків; збільшення вартості придбання товарів у кредит.
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