LAND MORTGAGE LENDING IS AN SOURCE OF INVESTMENTS OF AGRICULTURE

Issue № 8, 2016, article № 7, pages 33-39

Section: Problems of efficient management

Language: Russian

Original language title: ЗЕМЕЛЬНО-ИПОТЕЧНОЕ КРЕДИТОВАНИЕ КАК ИСТОЧНИК ИНВЕСТИЦИЙ СЕЛЬСКОГО ХОЗЯЙСТВА

Keywords: LAND, INVESTMENT, LAND MORTGAGE LENDING, ASSESSMENT, RISKS, CIVIL TURNOVER, INVESTMENTS

Abstract: This article describes the use of land and mortgage lending for increasing of agriculture investment’s interests in the regions in respect to the urgent problem of the full involvement of agricultural lands into civil turnover. The problem of contradictions between economic entities in agriculture and the banking system in respect of the loan funds secured by land as the most valuable asset is acute. The land mortgage which is examined in the article is one of the possible schemes of mortgage lending business structures in agrarian sector of economy. The process of land mortgage lending needs the support and encouragement of credit and financial organizations. Creation of the state Agency for land mortgage lending (ALML) is proposed to be considered as an effective mechanism for the development of a land investment’s fund. The main target of that agency will be a providing of opportunities for all agricultural producers to obtain a mortgage loan that is secured by the land plots from agricultural lands. With the governmental support it is possible to create specialized financial institutions that will be engaged in lending which are secured by agricultural land.

Authors: Pavlova Niuudlia TSagadaevna, SHarinova Galina Anatolevna