ISSN 2413-2322 (Online)

ISSN 2221-1055 (Print)

UDS: 336.717.061:338.432
Фінансові відносини та бухгалтерський облік

Bank lending to agriculture in Ukraine / Patyka N.I. // Ekonomika APK. - 2018. - № 2 - P. 40

The purpose of the article is to analyse the trends and conditions for the development of bank lending to agriculture in Ukraine. Research methodology. The following methods were used for this study: dialectical, analysis and synthesis, comparison and generalization, economic and statistical, graphic, and tabular. Research results. Development trends in bank lending to agriculture in 1997-2017 have been analysed. Gradual improvement of the prerequisites for the development of agricultural lending has been found by studying the trends of bank lending to agriculture on the basis of statistical analysis of the dynamics of indicators of the amount of loans issued, interest rates, the level of dollarization of the loan portfolio, the share of overdue loans, debt burden indicators, and others. Elements of scientific novelty. As elements of novelty, a way to increase the competitiveness of agriculture through the attraction and use of bank loans has been found. Practical significance. The findings of this study made it possible to draw a conclusion that bank lending is one of the most effective instruments for the development of agriculture and ensuring its competitiveness. The relatively low level of debt burden and the improved quality of the loan portfolio will help to restoration of agricultural lending in the nearest future. Tabl.: 4. Figs.: 5. Refs.: 11.
Key words: credit, bank lending, interest rate, credit risk, debt burden, agriculture

References

  1. Alekseichuk, V.M. (1998). Kredytne obsluhovuvannia APK: dosvid ta napriamky rozvytku [Credit agribusiness: experience and development directions]. Kyiv: IAE [In Ukrainian].
  2. Aranchii, V.I. (2011). Osoblyvosti bankivskoho kredytuvannia ahrarnykh tovarovyrobnykiv v suchasnykh umovakh [Features of bank lending to agrarian commodity producers in modern conditions]. Visnyk NBU, 2, pp. 10-14 [In Ukrainian].
  3. Hroshovo-kredytna ta finansova statystyka Natsionalnoho banku Ukrainy [Monetary and financial statistics of National Bank of Ukraine]. National Bank of Ukraine. Retrieved from: https://bank.gov.ua/control/uk/publish/article?art_id=27843415&cat_id=44578#1 [In Ukrainian].
  4. Demianenko, M.Ya. (2014). Kredytnyi faktor staloho rozvytku ahrarnoho sektoru Ukrainy [Credit factor of sustainable development of the Ukraine agrarian sector]. Ekonomika APK, 11, pp. 5-14 [In Ukrainian].
  5. Demianenko, M.Ya., et al. (2011). Derzhavna polityka finansovoi pidtrymky rozvytku ahrarnoho sektoru APK : monohrafiia [State policy of financial support for the agrarian sector development of AIC: monograph]. M.Ya. Demianenko (Ed.). Kyiv: NNTs IAE [In Ukrainian].
  6. Ivanets, I.V. (2012). Suchasnyi stan ta otsinka kredytuvannia silskoho hospodarstva Ukrainy [Current status and credit assessment of agriculture in Ukraine]. Efektyvna ekonomika, 2. Retrieved from: http://www.economy.nayka.com.ua/ ?op=1&z=1667 [In Ukrainian].
  7. Isaian, A.M. (2012). Tendentsii rozvytku kredytuvannia pidpryiemstv APK bankamy Ukrainy [Trends in the development of lending to agroindustrial enterprises by Ukrainian banks]. Rehionalna ekonomika, 4, pp. 61-71 [In Ukrainian].
  8. Onysko, S.M., & Sodoma, R.I. (2011). Tendentsii rozvytku kredytuvannia silskohospodarskykh pidpryiemstv bankamy [Trends in the development of lending to agricultural enterprises by banks]. Aktualni problemy ekonomiky, 8(122), pp. 313-319 [In Ukrainian].
  9. Nepochatenko, O.O., & Yakovenko, O.V. (2010). Suchasnyj stan i perspektyvy korotkostrokovoho bankivskoho kredytuvannia silskohospodarskykh pidpryiemstv [Current state and prospects of short-term bank lending to agricultural enterprises]. Zb. nauk. prats UDAU, 70, Part 2: Ekonomika, pp. 130-135 [In Ukrainian].
  10. Stetsiuk, P.A., Hudz, O.Ye., & Voitiuk, A.V. (2013). Transformatsiia matrytsi bankivskoho kredytuvannia silskohospodarskykh pidpryiemstv [Transformation of bank lending’s matrix to agricultural enterprises]. Ekonomika APK, 12, pp. 49-55 [In Ukrainian].
  11. Stetsiuk, P.A. (2016). Modernizatsiia mekhanizmiv finansovoho zabezpechennia ahrarnoho vyrobnytstva [Modernization of financial provision mechanisms of agrarian production]. Oblik i finansy, 1 (71), pp. 132-136 [In Ukrainian].
Read article: eapk_2018_02_p_40_48.pdf