Abstract
The analysis of the dynamics and structure of farmers' bank loans was made. The credit debt of farms in Poland was presented against the background of selected countries of the EU and USA. It was shown that the amount of farmers' credit commitments in Poland in 2002-2017 had a lasting upward trend. However, the debt-to-asset ratio of agricultural farms since 2008 has been gradually reduced. The level of farmers' credit indebtedness and the quality of their loan portfolio, in terms of the sector, do not indicate high financial risk for farmers and credit risk for banks. In the case of some indebted farms (about 1.5 thousand), however, there are serious risks related to loans taken and their repayment.
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