Features and problems of lending to agricultural enterprises

The agro-industrial complex (AIC) is considered a high-risk area, since the activities of agricultural producers are influenced by natural and climatic conditions, the seasonal nature of revenue from sales of products. Features of the reproduction process in the agro-industrial complex affect the sources of financing the production activities of agricultural enterprises, among which bank loans play a significant role. The article discusses the features of credit risk management of JSC “Russian Agricultural Bank”, reveals the features of Bank lending in this area. Lending plays an important role in the development of agriculture. For agribusiness enterprises, it is the main source of updating production and working capital. Loans are provided for the purpose of improving production assets, increasing capacity, and other aspects. Therefore, risk management is becoming increasingly important and is becoming one of the most important conditions for ensuring the economic security of credit institutions. Implementing targeted and consistent risk management requires significant organizational effort, time, and other resources. An effective risk management system, in particular credit risk, is one of the necessary conditions for the sustainable development of JSC “Russian Agricultural Bank”.

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