АНАЛІЗ ЕФЕКТИВНОСТІ МЕХАНІЗМУ ФІНАНСОВО-КРЕДИТНОГО ЗАБЕЗПЕЧЕННЯ АГРАРНИХ ПІДПРИЄМСТВ

Abstract

Тhe main problems of stable development of enterprises of the real sector of the economy are related to the lack of own funds, limited state financial support and difficulty in raising capital in the securities market. The search for effective forms and methods of lending and prevention of credit risks determines the need to develop a modern mechanism of financial and credit support, which will include a set of methods, tools and levers to regulate the relations of real sector enterprises in the credit market. The main methods of this study are the systematic method, dialectical method, methods of analysis and synthesis, method of comparison, economic and statistical methods, tabular and graphical methods, method of generalization. The article is aimed at analysing the efficiency of the mechanism of financial and credit support of agrarian enterprises and substantiating practical proposals for improving lending to agrarian enterprises and prospects for its development. The article considers the main issues of the mechanism of financial and credit support and its impact on improving the efficiency of agricultural enterprises. The efficiency of credit support for agricultural enterprises is studied, the main banking products on the market over the past year are analysed. The main problems of lending to agricultural enterprises are identified, which include insufficient availability of credit products, preference for short-term lending, complete or partial absence of financial products for agrarians from banks, relatively high risk, difficulty in determining the volume and structural components of loan collateral, lack of credit history in most small and medium-sized agricultural enterprises, which ultimately limit the ability of agricultural enterprises to attract bank loans. The article provides proposals for improving the mechanism of lending to agricultural enterprises. Implementation of these proposals will help to eliminate the problems of credit provision of agricultural enterprises, namely: to increase the efficiency and transparency of the use of budget funds, to increase the volume of lending, to expand access to credit resources of agricultural enterprises, to increase the terms of lending, to reduce the fee for using loans.