Стан і траєкторії розвитку банківського кредитування сільськогосподарських підприємств та його роль у фінансово-кредитному забезпеченні аграрної сфери економіки

• Date: 2025
• Main Author: Андрос, Світлана
• Format: Article
• Language: Ukrainian
• Published: Odesa National University of Technology 2025
• Online Access: //journals.ontu.edu.ua/index.php/fie/article/view/3106
• Journal Title: Food Industry Economics

The article provides an economic and statistical analysis of the state and trends in the development of bank lending to agricultural enterprises in Ukraine. The advantages and limitations of this method of financing the agricultural sector have been identified and some practical recommendations have been given for the selection and effective use of the funds raised. The composition, specific weight, growth rates, structure and dynamics of loans issued by banks to agricultural enterprises have been characterized. The dynamics of changes in the volume and share of problem loans to agriculture have been analyzed. The dynamics of changes in the share of problem loans to agriculture by currency type in the portfolio of non-performing loans of banking institutions have been presented. The factors influencing the average interest rate on loans have been analyzed in terms of types of currencies, maturity dates and bank income. The total number of agricultural producers and processing enterprises that used credit funds in 2023-2024 under the state program has been given in terms of regions of Ukraine. The results of the implementation of the state program of preferential financing of agricultural producers in modern conditions have been substantiated. A significant dependence of the growth in the number of operating rural business entities that used bank loans within the framework of the state program of 5, 7, 9% and the stable development of the national economy has been established. Based on the identified problems, some measures have been proposed to improve financial and credit support for agricultural business in the direction of combining the vectors of state and banking influence. The following research methods were used: system analysis, graphic and economic-mathematical modeling, abstract-logical, comparative and economic-statistical methods. The combination of various scientific methods allowed to obtain a versatile picture of credit and financial support of agrarian business in Ukraine. The scientific novelty and the main results of the research in the agricultural sector should lead to the development of the comprehensive approach to studying the problems and ways to increase the efficiency of bank agricultural lending, strengthening its contribution to the economic development of the country by improving the mechanism of interaction between banks and agrarian business.