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2018, vol. 65, iss. 1, pp. 65-80
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The importance of bank credits for agricultural financing in Serbia
Značaj bankarskih kredita za finansiranje poljoprivrede u Srbiji
Abstract
Agricultural loans present unutilized bank credit market segment in Serbia. This is not only missed profit opportunity for banks, but also serious deficiency that slows down the development of agriculture and rural areas. Paper uses FADN, NBS and bank balance sheet data in order to analyse supply and demand side of this credit market segment, with the aim to better understand the conditions for its development. Paper recommends better education of producers and lenders. Banks should better understand the requirements of agricultural producers and risks of the production to be able to create tailored credits. Insurance has very important role in specific risk hedging and can facilitate agricultural loans. There is also a need to adjust the conditions for obtaining subsidized loans, while the land size is considered as a key prerequisite for obtaining loans in the situation of large fragmentation of properties.
Sažetak
Poljoprivredni krediti predstavljaju neiskorišćeni segment kreditnog tržišta u Srbiji. Za banke to je promašena prilika za realizaciju profita, a za državu ozbiljan nedostatak koji usporava razvoj poljoprivrede i ruralnih područja. Rad analizira ponudu i tražnju na ovom segmentu kreditnog tržišta, kako bi utvrdio uslove za njegov razvoj, na bazi FADN, NBS i podataka iz bilansa stanja banaka. Autori ističu potrebu za boljom edukacijom proizvođača i zajmodavaca. Banke bi trebalo da bolje razumeju potrebe poljoprivrednih proizvođača i rizike ove proizvodnje, kako bi kreirale potrebama prilagođene kredite. Proizvođači treba da budu obavešteni o prednostima osiguranja njihove proizvodnje, jer osiguranje ima veoma važnu ulogu u zaštiti od rizika specifičnih za poljoprivrednu proizvodnju. Takođe postoji potreba za prilagođavanjem uslova za dobijanje subvencionisanih kredita, jer je veličina zemljišta ključni uslov za dobijanje ovih kredita, a postoji velika fragmentacija zemljišta.
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References
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*** NBS statistics. www.nbs.rs
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Agroklub (2017) Budžet 2018 - kako će se trošiti novac?. https://www.agroklub.rs/poljoprivredne-vesti/budzet-2018-kako-ce-se-trositi-novac/37803/ (24.12.2017)
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