Abstract:

The situation on the market of bank lending in the agricultural sector is analyzed. The main factors of demand for credit resources from agricultural enterprises are identified. There are current problems of lack of financial resources for the development of agro-industrial enterprises, the solution of which may be preferential lending programs, providing loans on acceptable terms to rural producers. The key reasons for the low efficiency of the current mechanism of lending by banks to the agro-industrial sector have been identified. The current mechanisms of financing of agricultural producers are assessed. The key shortcomings in the system of financing the enterprises of the agro-industrial complex are revealed. The main obstacles to lending by financial and credit institutions of agriculture of Ukraine are considered and options for their elimination are proposed. It has been proven that an effectively established credit system allows banks to consider the provision of loans secured by agricultural land as one of the most reliable and safe ways to invest in agriculture. The problems that become the main obstacles to obtaining a loan by the borrower are identified and ways to solve them are proposed.