A METHOD OF CALCULATION OF AN AWARD FOR RISK ON THE FARMER CREDIT IN THE CONDITIONS OF TRANSITIVE ECONOMY

Issue № 2, 2015, article № 9, pages 60-67

Section: Problems of agroeconomic researches

Language: Russian

Original language title: МЕТОДИКА РАСЧЕТА ПРЕМИИ ЗА РИСК ПО ФЕРМЕРСКОМУ КРЕДИТУ В УСЛОВИЯХ ТРАНЗИТИВНОЙ ЭКОНОМИКИ

Keywords: AGRARIAN SECTOR, FARMER CREDIT, AWARD FOR RISK, INDEX OF MARKET EFFICIENCY, BUSINESS PROJECT, FINANCIAL STATE, RISK COEFFICIENTS

Abstract: In article the author's method of calculation of an award for risk on the farmer credit is considered. As a basis the tervariant system of calculation taking into account features of agrarian management, and also all-branch and individual risks of the farmer borrower is accepted. As object of settlement part the target single credit to the owner of economy on production of potatoes on replenishment of current assets is considered. The award for risk is differentiated depending on the term of the credit, liquidity and sufficiency of pledge, constructibility of the relations of bank and the borrower and the assessment of bank risk in case of a credit non-return is made. For definition of a risk zone the scale of an assessment of risk of loss of financial stability is offered, the business project index of market efficiency (IME) pays off. The presented technique can be added with other indicators as a part of intermediate coefficients of risk.

Authors: Kondiukova Elena Stanislavovna, SHershneva Elena Gennadevna