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Developing the methods to appraise pledged assets in lending to agricultural enterprises

Mochalova L.A. Financial University under Government of Russian Federation, Barnaul Branch, Barnaul, Altai Krai, Russian Federation ( )

Mochalova E.B. Russian Agricultural Bank, Altai Regional Branch, Barnaul, Altai Krai, Russian Federation ( )

Journal: Finance and Credit, #44, 2015

Importance Banks consider a pledge provided to secure a credit transaction as a guarantee of loan repayment. In the agricultural sector, future yield is one of pledged items. Methods to appraise it require further improvements. The scope of this study is the methodological tools of pledge of future yield's appraisal and directions of its improvement.
The purpose of our research is to develop methodological tools to appraise collateral in the form of future crop.
     Methods Using econometric methods, we analyzed current approaches to the appraisal of future crop provided to secure a loan, and developed the areas of their improvement, based on probabilistic methods.
     Results The study reveals specific features of pledged future yield based on the specifics of agriculture. We present methodological tools to appraise pledged assets that include a new element, i.e. the methodological approach, which rests on the risk of climate conditions and grain market situation. The technique to evaluate the haircut for future yield is determined under the cumulative method based on risk factors.
     Conclusions and Relevance The presented methodological tools are of great importance in banking practice. They enable to reduce the influence of human factors on future value of pledged assets and, consequently, mitigate credit risk, especially the default risk.

Specifics of the global financial crisis

Mochalova L.A. PhD, professor, Altai State Technical University named after I.I. Polzunov

Journal: Finance and Credit, #14, 2009

The article analyzes the reasons of crisis phenomena in the national economic systems, identifies the crises of the XX-th century with the corresponding economic theories and reveals the specifics of the financial crisis of the XXI-st century connected with world economy globalization. The author suggests a new scientific approach to the solution of crisis problems based on the theory of complex systems.

A methodological approach to collateral appraisal of future output yield

Mochalova E.B. Rossel'khozbank (Altai regional branch), Barnaul, Altai Region, Russian Federation ( )

Journal: Financial Analytics: Science and Experience, #23, 2014

The article emphasizes that the national publications do not sufficiently cover methodological approaches to collateral appraisal in credit transaction. The author points out that the practical experience in the subject of collateral appraisal on future output yield has no scientific rationale. This constitutes the relevance of the undertaken study. The article proposes a methodological approach to an assessment of unique collateral secured on future output yield based on probabilistic methods.

Influence of specifics of agriculture on pledge of future crop in credit transaction

Mochalova L.A. Barnaul branch of Financial University under Government of Russian Federation, Barnaul, Russian Federation ( )

Journal: Finance and Credit, #21, 2014

The article studies the features of pledge of future grain yield, being that volumes of crediting of the enterprises under this subject insignificant, mortgage discount high. Many enterprises have no other ensuring business deal, except grain. It conducts to inaccessibility of the credits though production of grain is strategic parameter in the program of food security of Russia. The author analyzes specifics of financial relations of farms of grain branch, their financial state. Results of research allow drawing the following conclusions: during the period from the 1990th prior to the beginning of the 2000th the condition of agriculture was critical and then there was a negative attitude to this subject of pledge. The paper notes positive tendencies in a grain segment: improvement of financial mechanisms of the mortgage relations, the capital structure and increasing financial stability of the enterprises, but the relation of banks to pledge of future crop doesn't change.

Methodological aspects of evaluating the financial stability and paying capacity of trade organizations in modern conditions

Mochalova L.A. Finance University under Government of Russian Federation (Barnaul Branch), Barnaul, Altai Krai, Russian Federation ( )

Kulagina M.E. Finance University under Government of Russian Federation (Barnaul Branch), Barnaul, Altai Krai, Russian Federation ( )

Journal: Finance and Credit, #7, 2018

Subject The article deals with the verification of analysis results of trade organizations' financial standing obtained under universal methods, which have originally been developed for manufacturing organizations with a full operational cycle.
Objectives The purpose of the study is to develop methodological tools to analyze financial condition of trade organizations.
Methods The study draws on methods of cognition, analysis and synthesis, generalization of scientific literature on the topic, systematization, and computational and constructive methods.
Results We unveil the specifics of trading organizations' finance that influence the choice of methods of financial analysis. The paper offers approaches to improving the existing methods of financial analysis that are adapted to finance of trade organizations, and approaches to using the conceptually new models to analyze their financial sustainability and effectiveness.
Conclusions The existing methodological tools for analyzing the financial condition of enterprises do not consider the specifics of trade organizations. The proposed approaches enhance the reliability of their diagnostics and thereby contribute to effective financial management system development.

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