Abstract
Currently, the credit opportunities of the financial and credit sector are strategically important in ensuring the full development of economic entities, modernization and diversification of production, financing of investment projects. In Kazakhstan, in order to implement state programs, strategies for the development of the financial and credit sector are being developed, modern mechanisms for regulating and stimulating the lending activities of second-tier banks are being used. At the same time, it is noted that the target indicator for expanding the participation of banks in financing the economy has not been reached due to the negative impact of macroeconomic and geopolitical factors, including a decrease in business activity, the dependence of large enterprises of Kazakhstan on external borrowings and others. The article substantiates that the limited access to credit resources is a serious obstacle for economic entities, including small and medium-sized enterprises. A comprehensive solution to the problems in this area is needed to improve the process of interaction between credit institutions and economic entities. Increasing the availability of loans for the real sector of the economy can be achieved through the use of digital technologies, including big data analytics and artificial intelligence in decision-making and the formation of credit conditions.