Pashuta A.O.Research Institute of Economy and Organization of Agro-Industrial Complex of Central Black Earth Region of Russian Federation, Voronezh, Russian Federation lina760@yandex.ru
Subject Currently, banks continue assessing the creditworthiness of agricultural enterprises under the same methodology as enterprises in other sectors of the national economy. There are no well-developed mechanisms and tools to minimize banking risks in the long term and to earn a sufficient profit margin. To rectify the situation, modern approaches to improving the mechanisms of agricultural lending are required, from both the centralized and banks' own funds. Objectives The aim is to develop conditions for perfecting the system of lending to agricultural commodity producers based on modern methods of credit rating considering the industry specifics of agricultural production. Methods The study rests on interdisciplinary methods of analysis and synthesis. To solve analytical tasks, we used special economic methods of comparison, analytical grouping, time series analysis, etc. Results The study underpins the conditions for improving the basic areas and mechanisms of lending to agriculture. Conclusions Implementation of proposed approaches is reasonable, because the correcting integrated coefficients enable to improve the results of previous calculations, taking into account the specifics of the agricultural sector. The analyzed conditions for improving the lending will help assess the efficiency of lending for all stakeholders and consider the extent of its impact on the economy.
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