MANAGING THE CREDIT POTENTIAL OF THE FINANCIAL MARKET THROUGH SUSTAINABLE DEVELOPMENT, FINANCIAL INCLUSION, AND SECURITY PRINCIPLES

Abstract

This article investigates the theoretical and applied foundations of managing the credit potential of the financial market based on the principles of sustainable development, financial inclusion, and security. The relevance of the study is driven by the urgent need to ensure the effective functioning of the financial market under conditions of military instability, rapid digital transformation, and escalating cybersecurity risks. It is substantiated that traditional approaches to assessing credit potential, which focus primarily on commercial banks’ resource bases or nominal lending volumes, fail to adequately reflect contemporary challenges facing the financial sector. Alternatively, the paper conceptualizes the credit potential of the financial market as an integrated system combining lending activity, asset quality, financial inclusion, financial security, and strict adherence to sustainability principles.
Utilizing methods of theoretical generalization, comparative-statistical analysis, and graphical modeling, the research addresses a distinct gap in literature by integrating these separate components into a unified structural framework. Based on official statistical data from Ukraine, positive development trends were identified, including corporate and retail lending growth, the expansion of cashless payments, improved loan portfolio quality, and increased financing for critical energy recovery projects. At the same time, further expansion is heavily constrained by elevated risk levels, mounting losses from digital fraud, and insufficient depth of credit penetration in the economy. Finally, a conceptual management model is proposed, demonstrating that combining the dimensions of sustainability, inclusion, and security strengthens financial system resilience and establishes vital preconditions for long-term socio-economic development.