Uman National University | today: 05/23/2026
| Author(s) |
Bondarenko N.V., , , Uman National University of Horticulture Демчук В. М., , , Щербатюк О. П., , , |
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| Category | Economics | ||
| year | 2026 | issue | Issue 108 part 2 |
| pages | 130-143 | index UDK | 336.77:338.43:336.71(477) | DOI | 10.32782/2415-8240-2026-108-2-130-143 (Link) |
| Abstract | The article investigates transformations in the financial and credit support of Ukraine’s agricultural sector driven by the banking system’s transition to new prudential standards and the modernization of regulatory frameworks. It is substantiated that the implementation of the liquidity coverage ratio (LCR) and the net stable funding ratio (NSFR) constitutes an important factor affecting bank lending to agricultural producers. The study identifies that, amid heightened military risks and macroeconomic instability, targeted state support programs, particularly the “Affordable Loans 5-7-9%” initiative, serve as compensatory mechanisms mitigating the gap between prudential regulatory constraints and the sector’s demand for liquidity. The research analyzes the structural dynamics of agricultural lending, revealing a significant concentration of credit resources within state-owned and systemically important banks. Particular attention is paid to the qualitative transformation of lending priorities, where wartime support and anti-crisis programs have become major drivers of operational resilience. It is demonstrated that despite high banking liquidity, the transition to risk-based supervision has intensified compliance requirements and complicated access to traditional investment loans, particularly for small and medium-sized agricultural enterprises. The article highlights the transformative role of digitalization, particularly through the State Agrarian Registry (SAR) and the Diia platform, as a basis for building a transparent financial ecosystem. The implementation of these digital instruments reduces information asymmetry, lowers transaction costs for financial institutions, and improves the speed of borrower verification. It is concluded that the synergy of prudential regulation, state support, and digital infrastructure modernization forms a necessary foundation for shifting the agricultural sector from a survival-oriented model toward sustainable innovative development. Furthermore, the study argues that the future competitiveness of Ukraine’s agricultural sector depends on the harmonization of national banking practices with European Union standards (CRR/CRD IV) and Basel III principles. This requires the development of partnership-based financing models, the expansion of financial leasing instruments, and the strengthening of human capital competencies for functioning in a global digital environment. The formation of such an integrated financial framework will enhance the sector’s global competitiveness and long-term investment attractiveness. | ||
| Key words | Key words: financial and credit support; agricultural sector; banking regulation; prudential supervision; Basel III; LCR; NSFR; state support; digitalization | ||