Today, the world is developing rapidly; new techniques and innovative technologies are being created. In turn, in order to implement these innovations and produce competitive products or services in accordance with modern requirements, as well as to further expand the scope of activities, businesses naturally need high bank loans and choose the financial institution that is most able to meet these needs. This article examines and analyzes in detail the problems associated with long-term loans provided by commercial banks. The authors have developed their own approach to this problem on the basis of the literary sources of foreign and domestic scholars. In addition, the article presents relevant proposals and recommendations
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