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«Фондовое» Кредитование Как Эффективный Инструмент Государственной Поддержки Аграриев // “Fund” Lending As An Effective Tool Of State Support For Farmers


  • A. Tikhonova V.

    (Financial university)

  • А. Тихонова В.

    (Финансовый университет)


The article is devoted to the topical problem of the development of agro-industrial complex, in particular, the development of the novelty model of agricultural lending. Experience of crediting of agriculture inRussiasince 1992 till now is considered. We provide a critical approach to the assessment of the current system of agricultural credit, which requires the presence of another economic incentive — the budget subsidy.Our purpose was a comprehensive author’s study of the problems of applying the practice of preferential agricultural lending, as well as the development of proposals aimed at improving the system of state support for the agricultural credit system.The methodological tools of the research include comparative methods of analysis, as well as analytical methods of cognition.We carried out the analysis of the models of crediting of farmers applied for the specified period and the main problems in practice of their application. As the most effective model of farmer’s lending defined “fund” model, used from 1997 to 2001. The main drawback of this system is the fragmentation of property interest in the subject of agriculture in a single loan obligation. The author developed a new system of agricultural lending, based on the “fond” model of the 90s. Its distinctive feature is dual targeting — for in economic entities (small and large businesses) and credit institutions (banks and credit cooperatives), while at the same time with maintaining a high level of state control (which is provided by a single source of credit resources — the state).The results of the study can be used in the development of both individual credit measures of state support for agricultural producers, and in the preparation of the State program of development of agriculture and regulation of markets of agricultural products, raw materials and food. Статья посвящена актуальной проблеме: анализу системы кредитования сельхозпроизводителей в России и разработке инновационной модели агрокредитования. Рассматривается опыт кредитования сельского хозяйства в России с1992 г. до настоящего времени. Применяется критический подход к оценке действующей системы аграрного кредитования, предполагающей обязательное наличие другого экономического стимула — бюджетной субсидии.Цель статьи — комплексное авторское исследование проблем применения практики льготного аграрного кредитования, а также разработка предложений, направленных на совершенствование государственной поддержки сельскохозяйственной кредитной системы.Методический инструментарий исследования включает сравнительные методы анализа, а также аналитические методы познания.Проведен анализ применяемых за указанный период моделей кредитования отрасли, определены основные проблемы в практике их применения. В качестве наиболее эффективной модели сельского кредитования определена «фондовая» модель, применяемая с 1997 по2001 г. Основной недостаток такой системы — разорванность имущественного интереса субъекта сельского хозяйства в едином кредитном обязательстве. Автором разработана новая система агрокредитования, основанная на фондовой модели 90-х гг. Ее отличительная черта — дуалистичность по субъектам хозяйствования (малый и крупный бизнес) и кредитным институтам (банки и кредитные кооперативы) при одновременном высоком уровне государственного контроля (который обеспечивается за счет единого источника кредитных ресурсов — государства).Результаты проведенного исследования могут быть использованы при разработке как отдельных кредитных мероприятий государственной поддержки сельскохозяйственных товаропроизводителей, так и при составлении Государственной программы развития сельского хозяйства и регулирования рынков сельскохозяйственной продукции, сырья и продовольствия.

Suggested Citation

  • A. Tikhonova V. & А. Тихонова В., 2018. "«Фондовое» Кредитование Как Эффективный Инструмент Государственной Поддержки Аграриев // “Fund” Lending As An Effective Tool Of State Support For Farmers," Финансы: теория и практика/Finance: Theory and Practice // Finance: Theory and Practice, ФГОБУВО Финансовый университет при Правительстве Российской Федерации // Financial University under The Government of Russian Federation, vol. 22(2), pages 148-159.
  • Handle: RePEc:scn:financ:y:2018:i:2:p:148-159

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    References listed on IDEAS

    1. Gunderson, Michael A. & Gloy, Brent A. & LaDue, Eddy L., 2003. "Profitability Of Agricultural Lending Relationships," 2003 Annual meeting, July 27-30, Montreal, Canada 22054, American Agricultural Economics Association (New Name 2008: Agricultural and Applied Economics Association).
    2. Zinchenko, Aleksey & Ukolova, Anna, 2014. "О Программе Всероссийской Сельскохозяйственной Переписи 2016 Года [On the programme for the 2016 Russia census of agriculture]," MPRA Paper 71722, University Library of Munich, Germany.
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