THE EVALUATION MECHANISM FOR EFFECTIVENESS OF CREDITING OF DAIRY CATTLE BREEDING IN REGIONAL SMALL AND MEDIUM BUSINESS

DOI 10.32651/2070-0288-2018-6-32-39

Issue № 6, 2018, article № 5, pages 32-39

Section: Problems of efficient management

Language: Russian

Original language title: МЕХАНИЗМ ОЦЕНКИ ЭФФЕКТИВНОСТИ КРЕДИТОВАНИЯ МОЛОЧНОГО СКОТОВОДСТВА В МАЛОМ И СРЕДНЕМ БИЗНЕСЕ РЕГИОНА

Keywords: CREDIT FINANCING OF SMALL AND MEDIUM BUSINESS, DAIRY CATTLE BREEDING, EFFECTIVENESS, CREDIT FINANCING MECHANISM, PLEDGE, PROFITABILITY, INSURANCE, COMMERCIAL BANK PROFITS, PROFIT, AND PUBLIC SECTOR

Abstract: Research objective is development of tools of assessment of efficiency of financing of small and medium business in the agrarian sector of dairy cattle breeding and its application in a region. It is revealed that the operating mechanisms of financing of small and medium business in dairy cattle breeding are insufficiently effective. It is established that the existing programs of crediting and the state subsidizing of dairy cattle breeding are inefficient and don't exert positive impact on volumes of the made production. The scheme of assessment of efficiency of crediting, the system of indicators of assessment of solvency of the borrower of the enterprises of dairy cattle breeding and an algorithm of carrying out his system analysis is submitted. The analysis of the banks participating in realization of a soft loan, participation of the state in realization of the mechanism of crediting in financing of agro-industrial complex is carried out. Results of the coefficient analysis of the enterprises of small and medium business of dairy cattle breeding of Chelyabinsk region are reflected in a research. The scientific novelty consists in scientific and methodical approach to this problem, identification of the factors influencing efficiency of crediting of dairy cattle breeding, assessment of the importance and efficiency of development of dairy cattle breeding in small and medium business. Results of a research can be applied when developing programs of preferential crediting and insurance of small and medium business in dairy cattle breeding of the region.

Authors: Rubaeva Olga Dmitrievna, Kachurina Ekaterina Petrovna