Сельскохозяйственная кредитная потребительская кооперация как инструмент финансовой инклюзивности на селе

Abstract

Abstract. Increasing the level of income and quality of life of the rural population, the creation of comfortable conditions for his residence and ensuring financial inclusiveness is the priority direction of modern state policy. The purpose of the study is an analysis of the state and trends in the development of agricultural credit consumer cooperation, as well as the substantiation of the areas of its further development in the context of increasing financial inclusiveness in the village. Methods. The theoretical and methodological base of the study was the scientific works of domestic and foreign scientists on inclusive economic growth, state regulation and the organizational and economic mechanism for the development of agricultural credit consumer cooperation. The study used a systematic approach using methods for analyzing and synthesis, generalizations, comparisons, inductions and deduction, statistical and economic analysis. Results. The dynamics of the development of agricultural credit consumer cooperation in Russia is considered. The reduction in the number of agricultural credit consumer cooperatives (ACCC) under the influence of a number of negative factors, such as: the absence of the state program for their development; transmission of control and supervision functions for their activities in the Central Bank of the Russian Federation; low level of income of rural residents and distrust of credit cooperation; the lack of an insurance system for contributing members of cooperatives, etc. The trend has been identified to increase the loan portfolio of ACCC, which indicates a high need for affordable loans from rural small businesses and the population. These theoretical and empirical studies reflect the close relationship between the development of credit cooperation on the village with a change in the institutional environment. Scientific novelty. The results of the study made it possible to substantiate measures to improve state policies aimed at creating a favorable institutional environment for the development of ACCC. The interrelation of the growth of the financial inclusion of rural areas and the positive dynamics of the development of ACCC is allocated.