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Improving the bank lending mechanism for the agro-industrial complex

Vol. 26, Iss. 1, JANUARY 2020

Received: 6 November 2019

Received in revised form: 20 November 2019

Accepted: 4 December 2019

Available online: 30 January 2020

Subject Heading: Banking

JEL Classification: G21

Pages: 179–195

https://doi.org/10.24891/fc.26.1.179

Kolomasova R.A. National Research Ogarev Mordovia State University (MRSU), Saransk, Republic of Mordovia, Russian Federation
reg.kol@yandex.ru

ORCID id: not available

Bazarnova E.S. National Research Ogarev Mordovia State University (MRSU), Saransk, Republic of Mordovia, Russian Federation
reg.kol@yandex.ru

ORCID id: not available

Subject The article discusses economic relationships that originate as part of bank lending to AIC.
Objectives The study focuses on lending to AIC and outlines recommendations to improve the mechanism.
Methods Research is based on general methods, such as statistical and comparative analyses, classification, problem analysis, ranking, systems approach.
Results As the analysis reveals, the agricultural sector extremely needs financial resources. We described key issues of lending to AIC and determined whether bank loans should be made affordable. If stimulated, investment lending to agricultural entities will positively influence the development of the industry and improve the existing economic situation for rural people.
Conclusions and Relevance Considering sanctions imposed on Russia, investment lending to AIC will totally unleash the potential of the agricultural sector. This will not only accelerate the import substitution initiative, but also contribute to higher exports of some products.

Keywords: commercial bank, bank lending, AIC, lending mechanism, agricultural producer

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