Мельник, Л. В. та Melnyk, L. V. (2018) ОЦІНКА СТАНУ ІПОТЕЧНОГО КРЕДИТУВАННЯ СІЛЬСЬКОГОСПОДАРСЬКИХ ВИРОБНИКІВ ТА ФАКТОРІВ, ЩО НА НЬОГО ВПЛИВАЮТЬ. Вісник Національного університету водного господарства та природокористування (4(84)). с. 106-118.

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Анотація

В статті проведено аналіз стану кредитування банківською системою аграрних підприємств в 2013-2017 роках. Визначено чинники сповільнення темпів приросту кредитного забезпечення господарської діяльності сільськогосподарських товаровиробників. Виокремлено напрямки кредитування комерційними банками агарних підприємств. Досліджено фактори, що зумовлюють аграріїв відмовлятися від кредитних ресурсів. Визначено основні напрямки розвитку інвестиційних процесів при іпотечному кредитуванні аграрної сфери.

Title in English

ASSESSMENT OF MORTGAGE LENDING OF AGRICULTURAL MANUFACTURERS AND FACTORS THAT HAVE AN INFLUENCE ON IT

English abstract

The article analyzes the state of lending to the banking system of agrarian enterprises in 2013-2017, which indicates the tendency to increase the volumes and the share of agrarian loans in the total amount of lending. The structure of the credit portfolio of the agrarian sector of the economy is dominated by medium-term loans. The loan period is up to 5-7 years. Positive in lending to farmers is a low percentage of overdue loans. Among the credit products, overdraft is widespread. The factors of deceleration of growth of credit support of economic activity of agricultural commodity producers have been determined, in particular: the growth of social tension; raising the level of riskiness of the agrarian sector; fluctuations of the hryvnia exchange rate to foreign currencies; seasonal nature of production; inaccessibility to credit resources of small and medium agrarian business entities. The directions of lending to commercial banks of agrarian enterprises have been singled out: lending for the purchase of fertilizers, livestock, repair of equipment, wages to employees; for investment projects; loans for the purchase of agricultural machinery. The factors that determine agrarians to abandon credit resources have been investigated: too high rates on loans, excessive requirements for collateral and significant fluctuations of the hryvnia exchange rate. The main directions of development of investment processes in the mortgage lending of the agrarian sphere have been determined: review of existing mortgage legislation, introduction of rational possibilities of granting long-term loans to agricultural producers under pledge of property rights to agricultural land plots and rights of lease of such plots; initiation of financial institutions of the secondary mortgage market; search for ways to ensure affordability of mortgage loans for small and medium enterprises and rural population; the introduction of a motivational component for consumers of mortgage loans in order to increase the activity of business entities in the mortgage lending market, which, in turn, will determine the effect of integrated development of all sectors of the domestic economy.

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