TENDENCIES OF VARIATION OF THE LOANS OF FINANCIAL INSTITUTIONS IN LITHUANIA

Development of world economics during last five years was rapid, evolution stabile. It is means, that external environment was favorable for financial system. Great demand of loans, formed by favorable internal macroeconomic environment, stimulated rapid development of banks system, favorable conditions of lending, determined by external factors (low interest rate and low landing risk), ensured accessibility of external means, assignee for development of loans portfolio. In Lithuania is formed the effect of financial accelerator, strengthened the fluctuations of business cycle, which negatively acting to the development of economy, may instigate financial crisis. In this paper concisely analysed tendencies change coverage, composition and structure of loan portfolio, influence of interest rate and inflation to changes of loans coverage, investigated their interdependent relations and influence of loans portfolio size to coverage of loans for subjects of agriculture and forestry. Increasing the annual rate of inflation is decreasing real interest rates, what was near zero and supporting favorable lowing policy and unfavorable saving policy. The results of research shows, that inflation increasing rapidly if interest rate. Every year the average of inflation variable rate was in 20.5 percent points more if interest rate variable rate. During analysed period, if inflation increasing on 1 percent point, the coverage of loan portfolio decreasing in 3362.73 million litas and interest rate of loans increasing in 0.096 percent points. About 20 percent variable of interest rate predetermined rate of inflation