Research Of Credit Policy Prospects In The Development Of Ukraine’s Agricultural Complex
Shmygol N. Galtsova O. Kushnir S. Beisenova L. Zasoba S. Matvejciuk L.
31 March 2022Fintech Aliance LLC
Financial and Credit Activity: Problems of Theory and Practice
2022#1Issue 4234 - 40 pp.
In the study, it was found that today bank lending to agro-industrial enterprises in the short term does not have economically justified prerequisites for its development and can not perform a stimulating function. Low or negative profitability and accumulated losses of previous periods do not cover the high price of credit resources. As a result, the attraction of credit funds in the economic activities of enterprises overtime only worsen the already difficult financial situation. On the other hand, the existing lending practice has already led to the fact that about 55% of loans are not repaid on time. That is why the banking system needs to apply stricter approaches to risk management when choosing counter parties. Otherwise, it will also threaten its stability. The scientific novelty of this work is the economic justification of the feasibility of lending to agro- industrial enterprises of Ukraine, based on banking statistics and modern approaches to financial management and, unlike the existing situation, taking into account the interests of both businesses and the banking sector.
agro-industrial enterprises , banking system , borrowed capital , credit resources , financial management
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National University, Zaporizhzhia Polytechnic, Ukraine
Classic Private University, Zaporizhzhia, Ukraine
Zaporizhzhia National University, Ukraine
L. N. Gumilyov Eurasian National University, Nur-Sultan, Kazakhstan
Pivdennyi Bank, Zaporizhzhia, Ukraine
Department of Tourism and Hotel and Restaurant Business, Ivan Ohienko Kamianets-Podilsky National University, Ukraine
National University
Classic Private University
Zaporizhzhia National University
L. N. Gumilyov Eurasian National University
Pivdennyi Bank
Department of Tourism and Hotel and Restaurant Business
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