Development of credit provision of agriculture of Zakarpattia region

Abstract

The purpose. Assessment of development of credit provision of agriculture of the region, justification of necessities and analysis of existing approaches to building and regulating activity of the state land bank as specialized financial-credit institution for building hypothecary crediting of agricultural commodity producers. Methods. Monographic, calculated, mathematical-statistical. Results. By probes it is fixed that insufficient capitalization of banks, high rates and short terms of crediting, absence of necessary provision of retrace of debts and deficiency of budgetary funds for deprecication of the granted banking credits, aggravate problems of searching sources and gears of financing risk assets, especially in agriculture. Solution of the problem requires significant development of the gear of crediting agriculture, namely: spread of credit form of cooperation through building cooperative banks, improvement of crediting gears of civilized agricultural commodity producers, heightening efficiency of state programs of price reduction of cost of credits, development of hypothecary crediting. Conclusions. Crediting of agriculture in modern conditions is one of key ingredients of its stable development. It includes operation of system of cooperative banks, development of conditions of provision of development of hypothecary crediting and microcrediting, use of state mechanisms of giving soft loans under the scheme of compensation of interest rate.