Gula A. Lending to business entities in the agricultural sector

The methodical toolbox of lending to entities in the agricultural sector, which provides three levels of hierarchy management interaction - macro, meso and micro levels (state - region - agricultural enterprises) on the bases of the complex usage of economic and mathematical models and which contains six interrelated and sequential blocks: definition of development goals and objectives; analysis of the current state of lending to agribusinesses; regional planning of agricultural enterprises; assessment and prediction of the creditworthiness of agricultural enterprises; making decisions on improving lending agricultural sector; results monitoring and adjusting of credit business entities in the agricultural sector, the implementation of which is aimed at improving financial and credit system to support the agricultural sector and defining management scenarios according to the priorities of the agricultural sector was proposed. The method of agricultural enterprises crediting improving is implemented in accordance with the strategic position of lending to agricultural enterprises through targeted support and the creditworthiness level taking into account the totality of the credit risk on the basis of agricultural enterprises creditworthiness diagnosis, which can solve the following problems: observation and evaluation of the financial and economic indicators; classification of enterprises, recognition and identification of enterprises in terms of creditworthiness; assessment of the differences between classes given dimension enterprises. On the bases of the methodology of scenario planning is used the approach which is presented in graphical and analytical perspective and takes into account the totality of correlation processes to improve creditworthiness and credit policy, which is based on the procedure of targeted measures choice of tactical and strategic creditworthiness management for development the advancing measures to counter risks.