AGRICULTURAL CREDIT - FACTORS OF INFLUENCE AND DYNAMICS OVER TIME

Cristian Csosz, Călin Dobra, Alexandru Pangratie

Abstract


In the market economy, credit is granted by holders of money capital to other individuals and legal entities, who generally use it in an active way. Agricultural and rural credit must be developed through a special banking system or through special funds managed by commercial banks. Farmers are disadvantaged from the start in the competition for loans. Many farmers do not have the minimum knowledge to draw up an investment plan on which to apply for loan financing. Investments in agriculture are considered to have a higher risk than in other sectors: unpredictability of climate action; possible natural disasters; poor development of the insurance system in agriculture. Although the speed of capital movement in agriculture is higher than in other sectors (production cycles in most vegetable production and in part of animal production are annual or even biannual or multiannual), risk factors are assessed by banks as more important than the advantages of a high speed of capital movement.


Keywords


agriculture; agricultural credit; dynamics; features

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References


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Copyright (c) 2021 Cristian Csosz, Călin Dobra, Alexandru Pangratie

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LUCRĂRI ȘTIINȚIFICE MANAGEMENT AGRICOL

ISSN print 1453-1410
ISSN online 2069-2307
(former ISSN 1453-1410, E-ISSN 2069-2307)

PUBLISHER: AGROPRINT Timisoara, Romania
PAPER ACCESS: Full text articles available for free
FREQUENCY: Annual
PUBLICATION LANGUAGE: English

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Banat's University of Agricultural Sciences and Veterinary Medicine "King Michael I of Romania" from Timisoara
Faculty of Agricultural Management
300645, Timisoara, Calea Aradului 119, Romania

E-mail: tabitaadamov2003 [at] yahoo.com
Phone: +40-256-277439, Fax.: +40-256-277031