In recent years, due to a number of economic and social problems, the banking system of Ukraine has significantly narrowed its activity in the credit market. The deterioration of the dynamics of economic development, the problem of the formation of an effective mechanism for the credit policy, the outflow of foreign capital from the banking system, the deterioration of the financial results of business entities activities necessitate the study of influence of credit resources and their further use in the development of the real sector of the economy. The aim of the article is to study the theoretical and practical aspects of the impact of the volume and structure of the use of credit resources on the dynamics and quality of the development of the real sector of economy in Ukraine. The main stages of credit relations in Ukraine have been identified and analyzed in the article, the impact of credit resources use patterns on the parameters of economic development has been justified. It has been proved that the study of loan structure by spheres of social reproduction has the priority in terms of improving the use of credit resources. Creating a positive credit cycle depends on the correct choice of structure credit. Under the conditions of the insufficient level of development of the real sector, it is important to give priority to the sphere of material production, ensure the creation of the necessary material base for economic development. In the future, in order to increase economic activity from the standpoint of demand, the volume of lending in the areas of consumption and trafficking may increase. For the current state of development of the Ukrainian economy it is extremely important to increase the volume of loans, which were sent to the sphere of production and consumption. Scientific novelty of the results is to isolate features of the "positive" and "negative" cycles in the set of relations, "the real sector of the economy – the credit relationship." The practical importance is due to the possibility of optimization tools and credit policy, taking into account the dynamics of economic development. Further research will be focused on specification of instruments of credit policy, taking into account the dynamics of economic development.