Methodological Aspects of the Analysis and Assessment of the Creditworthiness of Enterprises in Various Areas of the Agro-Industrial Complex and the Practice of Their Application

Abstract

The agro-industrial complex plays one of the main roles in the economy not only of the Russian Federation, but also of all countries of the world. The standard of living of the population and food security of the country directly depend on the development of the agro-industrial complex and its support by the state. Enterprises of the first and third spheres of the agro-industrial complex in their activities are focused on the development of the second sphere of the agro-industrial complex–agricultural production, which is characterized by natural, technological and economic features. Agricultural production is significantly associated with natural factors, this relationship determined the riskiness of this industry and taking into account the features in all processes of enterprise development and the choice of state regulation mechanisms. The development of agricultural production and related industries is impossible without the attraction of borrowed funds and the formation of specific approaches in the process of financial and credit services. Credit organizations, serving enterprises in this industry, take this factor into account, and provide an opportunity to draw up a convenient schedule for debt repayment.