ISSN 2413-2322 (Online)

ISSN 2221-1055 (Print)

UDS: 336.77:330.131.7:63
Фінансові відносини та бухгалтерський облік

Risks in Bank Crediting of Agricultural Enterprises / Filimonova O.B. // Ekonomika APK. - 2015. - № 1 - P. 41

The article deals with the problem of bank credit risk of agricultural enterprises. Scientific approaches to the nature of credit risk, methods for its determination and minimization are analyzed. The author determines such risk factors of bank crediting of agricultural enterprises: credit rating, the ratio of the credit amount and the borrower's equity, interest rate and credit term. It is proposed to determine credit rating of agricultural enterprises as integral index based on the factors prerequisites, intensification and efficiency of production, and financial conditions. Suggestions on modeling risk of bank crediting of agricultural enterprises based on the methods correlation and regression analysis are developed. Approbation is based on statistical data of the typical agricultural enterprises of Mykolayiv region for 2001–2013 рр. Table.: 1. Figs.: 1. Refs.: 15.
Key words: bank crediting, credit risk, credit rating modeling of credit risk, regression models, distributive-lag model, agricultural enterprises

References

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