Uman National University | today: 12/28/2025
| Author(s) |
Bechko P.K., Candidate of Economics, , Uman National University of Horticulture, Ukraine Melnyk К. М., , , Колотуха С. М., , , Lysa N.V., Candidate of Economics Sciences, , Uman National University of Horticulture, Ukraine |
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| Category | Economics | ||
| year | 2025 | issue | Issue 107 part 2 |
| pages | 192-202 | index UDK | 336.77:631.115 | DOI | 10.32782/2415-8240-2025-107-2-192-202 (Link) |
| Abstract | The article provides a comprehensive analysis of foreign experience in agricultural crediting and identifies key trends in the development of financial support systems for agricultural producers in various countries. The study highlights the specific features of credit mechanisms functioning in economically developed states as well as in countries that are currently transforming their financial systems in accordance with modern global requirements. Special attention is paid to the role of specialized and cooperative banks, which ensure broad access of farmers to financial resources and contribute to the stable development of agricultural production. The article examines credit models used in the European Union, North America, and the Asia-Pacific region, where market instruments are effectively combined with active governmental programs aimed at stimulating investment activity within the agricultural sector. It is established that the most significant components of effective agricultural credit systems include state guarantees, subsidized interest rates, the development of long-term financing institutions, and structured cooperative forms. The research shows that in most countries, government policy is aimed at minimizing credit risks, expanding access to finance for small and medium-sized producers, and enhancing the competitiveness of the agricultural sector. The study identifies tools that may be adapted for implementation in Ukraine, particularly mechanisms of concessional lending, agricultural guarantee funds, investment project support, and strengthening the role of non-banking financial institutions. The findings provide a basis for improving the credit support system of Ukraine’s agricultural sector, contributing to financial stability, innovative development, and increased competitiveness on both domestic and international markets. | ||
| Key words | agricultural lending, foreign experience, agriculture, cooperative banks, state support, soft loan | ||