FEATURES OF CREDITING OF THE AGRICULTURAL ORGANIZATIONS AND IMPROVEMENT OF THE FINANCIAL AND CREDIT MECHANISM

Issue № 6, 2015, article № 5, pages 22-28

Section: Problems of efficient management

Language: Russian

Original language title: ОСОБЕННОСТИ КРЕДИТОВАНИЯ СЕЛЬСКОХОЗЯЙСТВЕННЫХ ОРГАНИЗАЦИЙ И СОВЕРШЕНСТВОВАНИЕ ФИНАНСОВО-КРЕДИТНОГО МЕХАНИЗМА

Keywords: FINANCIAL AND CREDIT MECHANISMS, LOAN, GRANTS, INVESTMENTS, AGRICULTURE

Abstract: The article notes that one of the main problems hampering the development of agricultural production and an increase in agricultural production - a lack of financial resources for working capital (current activity) and the implementation of investment projects, which makes the Russian agribusiness lack of competitiveness both in the domestic Russian market and on the outer holding back the process of updating the material and technical base of production and introduction of innovative technologies in the domestic agricultural sector. The funds are yet no alternative source of financing, but the poor financial condition of many agricultural enterprises, the lack of collateral for the loan, which require banks, absence of positive credit history, make it difficult, and in some cases makes it impossible to obtain bank loans. The authors propose measures of improving the financial and credit mechanism that will ensure the availability of credit and increase the investment activity of the domestic agribusiness.

Authors: Trukhachev Vladimir Ivanovich, Skliarov Igor IUrevich, Skliarova IUliia Mikhailovna