This research focuses on the problem of large scale disproportion of success in the development of the banking sector and mostly unsuccessful development of the real sector of the economy. It should be noted that this disproportion is a subject of consideration in contemporary economic literature and our research is an attempt to broaden the issue and share ideas inside the international scientific circles. The main problem in the research is the impact of the banking sector's credit portfolio and the functioning of credit markets on the economic growth of the country. In this regard, it is very important to identify, study the macroeconomic stabilization and accelerated economic growth of the country and analyse the impact mechanisms of the credit market factors on economic growth. The conclusion that combines many of the research and opinions given in the survey can be as follows: From the economic point of view, the main function of banks is to increase the financing/lending of funds as the core point to increase investments in the economy. Thus, the development of the country in economic terms depends on the increase of investments. At present, it is in the hands of the banking sector whether to lead us to economic immobility or to accelerate the country's economic development through efficient allocation of resources.

The study examines the financial and economic reality and backwardness of Georgia. It reflects the monopoly on the financial market owned by commercial banks thanks to the steady support of the state and the central bank, which ultimately does not allow for the attraction of alternative financial capital and is one of the main reasons for the country's failure. In this respect, the possibility of developing an economy is directly linked to this problem. Developing an economy requires large financial investments and a resources. Based on our research we have come up with a number of proposals to be introduced and to change the situation and to build a competitive financial market. The ultimate goal is to weaken / end the monopoly position of commercial banks and neutralize the negative activity of the National (Central) Bank of Georgia as the regulator of this market. This is the only way to create the independent and competitive sources of finance and investment in Georgia. Ultimately, this will increase market capitalization and eliminate the economic backwardness that exists between Georgia and a number of leading countries in the field of financial market and its infrastructure.

This research studied the problem of the large-scale disproportion of success in the development of the banking sector and mostly unsuccessful development of the real sector of the economy. It should be noted that this disproportion is a subject of consideration in contemporary economic literature and the research is an attempt to broaden the issue and share ideas inside the international scientific circles. The main problem in the research is the impact of the banking sector's credit portfolio and the functioning of credit markets on the economic growth of the country. From the economic point of view, the main function of banks is to increase the financing/lending of funds as the core point to increase investments in the economy. Thus, the development of the country in economic terms depends on the increase of investments. At present, it is in the hands of the banking sector to lead us to the economic immobility or to accelerate country's economic development through efficient allocation of resources.

The study examines the financial and economic reality and backwardness of Georgia. It reflects the monopoly of commercial banks thanks to the steady support of the state and the central bank, which ultimately does not allow for the attraction of alternative financial capital and is one of the main reasons for the country's failure. In this respect, the economic progress is directly linked to this problem. Developing an economy requires large financial investments and resources. Based on the research a number of proposals need to be introduced to change the situation and to build a competitive financial market. The ultimate goal is to end the monopoly position of commercial banks and to neutralize the negative activity of the Central Bank of Georgia as the regulator of this market. This is the only way to create the independent and competitive source of finance and investment in Georgia. Ultimately, this will increase market capitalization and eliminate the backwardness between Georgia and a number of leading countries in the field of financial market and its infrastructure.