Vdovenko L. Mechanisms of bank crediting in the system of financial maintenance of entrepreneurial activity in the agrarian sphere

The accumulated experience of theoretical basics in the investigation of the essence of categories and notions of credit, bank credit, commercial bank, mechanisms of bank crediting of entrepreneurial activity in the agrarian sphere is generalized as well as the essence, functions and basic principles of bank credit in the system of financial maintenance of entrepreneurial activity of enterprises of agrarian sphere are developed, and the approaches to the methods of evaluation of enterprises' creditworthiness, efficient usage of the borrowed money are systemized in the thesis. The state of bank crediting of the subjects of agrarian sphere of economy is studied and the factors controlling it are determined. The evaluation of measures of state regulative policy on credit maintenance of agrarian business entities is carried out. Organizational mechanism of bank credit maintenance management and model of system interrelation of macro- and micro factors, their influence on credit cost are developed. The ways to optimize credit risks, also due to the system of credit risk indicators are suggested. Forecasting model for determining the volumes of the attracted credit resources for the future is developed and the influence of factors on their volumes is clarified. The ways for increasing the target use of bank credits by subjects of entrepreneurial activity are suggested. Introduction of the targeted financial support to the subjects of entrepreneurial activity when increasing volumes of production and selling products for stimulation of subjects which are the most limited in access to credit resources is scientifically grounded. Technology of application of outsourcing in the credit policy of banks on their interaction with other institutions in the sphere of risk management is suggested. The strategy of formation of the system of financial-credit maintenance of entrepreneurial activity in the agrarian sphere of economics is developed.