Abstract
Abstract. The purpose of the article is to identify the main factors that constrain lending to enterprises of the agro-industrial complex of Ukraine, to suggest ways to improve their lending system. A systematic approach was chosen as the methodological basis of the study, which provides for a comprehensive study of the bank lending system of the agro-industrial complex. Historical and structural-functional approaches were also used in its analysis. Methods of comparative analysis were used to consider some problems of bank lending to the agro-industrial complex. Of the general scientific methods in this study, methods of analysis and synthesis, induction and deduction were used. The article examines the dynamics and structure of loans to the agro-industrial complex in Ukraine for 2015—2020; the dynamics of interest rates on loans to the agro-industrial complex and the dynamics of agricultural production by UAH 1. credit provision of the agro-industrial complex in Ukraine for 2015—2020. During the analyzed period, these indicators increase or decrease proportionally, as evidenced by the importance of the efficiency of credit support of the agar sector. In 2020, the efficiency of credit provision of the agricultural sector amounted to UAH 11.64, which is UAH 0.4 more than in 2015. The analysis revealed that the agro-industrial complex today has a high need for financial resources. The characteristic of the main problems of the mechanism of crediting of an agro-industrial complex is given. The need to ensure the availability of bank loans has been identified. Stimulating investment lending to agricultural enterprises will have a positive impact on the development of the industry, as well as improve the existing economic situation of rural residents. High demand for credit resources from agricultural producers, the current state and dynamics of lending to the agro-industrial complex in Ukraine allow us to conclude that it is necessary to improve the mechanism of bank loans, develop effective credit products for the agro-industrial complex and strengthen state support for agricultural lending. Keywords: credit, banks, enterprises of the agro-industrial complex, credit programs for the agro-industrial complex. JEL Classification G21, Q14 Formulas: 0; fig.: 3; tabl.: 1; bibl.: 15.
Highlights
The agro-industrial complex is the most important part of Ukraine’s economy, where vital products are produced for society, and significant economic potential is concentrated
The priority tasks of the state are to take measures to resume lending to the agro-industrial complex, as well as to find ways to improve the credit mechanism in order to increase lending to agro-industrial enterprises. their solution is of great theoretical and practical importance
As for the oblasts that were leaders in the number of enterprises that received credit funds, they include Odesa (255 enterprises), Poltava (230 enterprises), Zaporizhia (217 enterprises), and Kharkiv oblasts (209 enterprises).The difficult macroeconomic situation in Ukraine and the increase in the level of risks have had a negative impact on the process of bank lending to the agro-industrial complex, the main directions of which have been higher requirements for the financial condition of borrowers and rising interest rates
Summary
The agro-industrial complex is the most important part of Ukraine’s economy, where vital products are produced for society, and significant economic potential is concentrated. As for the oblasts that were leaders in the number of enterprises that received credit funds, they include Odesa (255 enterprises), Poltava (230 enterprises), Zaporizhia (217 enterprises), and Kharkiv oblasts (209 enterprises).The difficult macroeconomic situation in Ukraine and the increase in the level of risks have had a negative impact on the process of bank lending to the agro-industrial complex, the main directions of which have been higher requirements for the financial condition of borrowers and rising interest rates. Let’s estimate efficiency of production of agricultural production on 1 UAH. credit support of the agro-industrial complex of Ukraine during 2015—2020 (Fig. 3)
Sign-in/Register to view highlights & summary Sign-in/Register to access full text options 
Free) 
Talk to us
Join us for a 30 min session where you can share your feedback and ask us any queries you have
Schedule a call
