Currently, agriculture is in crisis. Large-scale
farms due to increased imports of finished products, its sales at
dumping prices, the disparity in prices for industrial and agricultural
products and low solvency of the population in a difficult economic
situation. They
more than half destroyed livestock and poultry, destroyed industrial
and social infrastructure and to upgrade technology, to restore the
number of animals and birds, to introduce modern technology, need loans. During
the reform nor producers nor the financial community did not become
clear to the key principles of national investment policy in the
agricultural sector, which, as a special branch of material production
requires a particular approach to the banking and financial services. The current system of agricultural credit is not able to solve this problem. State
due to the lack of funds available for financing agricultural
production is extremely scarce resources, and commercial banks prefer to
work primarily with the largest borrowers, or those clients who orbital
period of less prolonged than in agriculture. One way to credit problems of rural producers is the creation of agricultural cooperatives. Credit
Cooperatives will implement the transformation of real relations in the
countryside, in agricultural production: the productive forces and
describing their moments, property, exchange mechanism will facilitate
the new motivation of the employees, creation and promotion of
entrepreneurship, the development of new principles for income
generation, etc. . In
a narrow sense, the system of credit cooperation is the first step in
overcoming one of the major problems of modern agriculture - the ever
increasing scarcity of investment resources. And
if the original credit cooperatives can serve only a means to increase
the attractiveness of the agricultural sector as an investment object,
further their purpose loans can become a major source of investment
agriculture, as it is inherent in the economies of developed countries. Therefore, the chosen theme of the thesis is relevant. The purpose of research is to improve the development of credit relations in agriculture. According to the purpose had the following research objectives: • examine the theoretical basis for the development of credit cooperation; • consider the organizational and economic bases of creation and functioning of the rural credit cooperatives; • develop model rules of rural credit cooperatives; • explore ways of forming a credit cooperative loan fund; • determine the cost-effectiveness of different alternatives credit agricultural production. The object of study are the individual farms Melekessky district of Ulyanovsk region. In solving the problems we used the following methods: monographic, settlement and constructive analysis. The
starting material for the thesis were the scientific works by leading
scientists on the research problem, these annual reports, regulatory
references and documents.
Credit Union
