Melnyk L. Resource potential of mortgage lending in the agricultural sector

The dissertation is devoted to substantiation of theoretical and methodological provisions and practical recommendations for the formation and use of resource potential of mortgage lending of agricultural production entities. The evolution of mortgage lending is studied and it is concluded that the development of mortgage lending as an economic category is organically connected with the development of economic systems and social production. The essence of resource potential as a set of material, financial and information resources and the system of economic relations arising from their formation and use in the process of granting and repaying mortgage loans is revealed. Methodological bases for assessing the resource potential of mortgage lending in the agricultural sector are developed and a system of economic-statistical and verbal indicators, which take into account the factors influencing the components of the resource potential of mortgage lending as a whole, are determined. Methodical approaches to estimating the forecast volumes of mortgage lending in the agricultural sector are offered and a pyramid model is built, which allows forecasting the value of the resource potential of mortgage lending depending on its components on the basis of relatively small data samples. The conceptual principles of institutional support and management of resource potential of mortgage lending in the agricultural sector are substantiated. The conceptual bases of activation of resource potential of mortgage lending taking into account regional features are defined. A system of quantitative and qualitative indicators for assessing the regions of Ukraine according to the degree of development of the resource potential of mortgage lending in the agricultural sector is developed. The regions of Ukraine are ranked according to the integrated score indicator, which takes into account the regional initial values of each of the components of resource potential. The experiment on the introduction of land mortgage lending in the Rivne region in order to improve the regulatory and legal support of mortgage lending is offered. The motivational factors of the participants in the mortgage lending process are systematized. It is determined that the imperfect legal support is an important restraining factor in the formation and use of resource potential of mortgage lending in the agricultural sector. A system of intersectoral impact of the implementation of components of resource potential on the socio-economic development of Ukraine is built. Keywords: mortgage lending, resource potential, agricultural sector, financial security, financial resources, land resources, agriculture, collateral, mortgage, risks, state regulation.