Abstract
The article describes the main trends in bank lending to the real sector of the economy in the post-crisis period under the influence of certain macroeconomic factors. The authors made a comparative analysis of indicators of development of Kazakhstan and other CIS countries on the basis of statistical data of the IMF for the period of 2009-2013. During the period analyzed in the study group of countries was the resumption of economic growth, decline in the annual inflation rate as a result of ongoing programs of restructuring the economy and the financial sector. Starting in 2011, Kazakhstan has become a positive trend of growth in bank lending. However, the credit activity of banks after the crisis is still not restored. The research identified the main obstacles to strengthening the interaction of credit banking and real sectors of the economy, such as with an unbalanced lending, short-term funding of banks, the high concentration of credit risk in the real economy, the inefficient use of credit, high credit cost and others. Proposed some measures to improve the credit activity of the second-tier banks, such as interest rate subsidies to fund the priorities of socio-economic development or administrative restrictions of rising interest rates, the provision of state guarantees for loans to the real sector of the economy, the decline in non-performing assets in the balance sheets of banks, the development of the regional elements of the banking system, etc. DOI: 10.5901/mjss.2015.v6n3s3p313