- citati u SCIndeksu: 0
- citati u CrossRef-u:0
- citati u Google Scholaru:[
 ]
- posete u poslednjih 30 dana:9
- preuzimanja u poslednjih 30 dana:3
|
|
|
2021, vol. 14, br. 3, str. 1-21
|
|
Efekti kreditnog finansiranja poljoprivrede na društveni proizvod u poljoprivredi u Republici Srbiji
The effects of credit financing in agriculture on the domestic product in agriculture in the Republic of Serbia
Sažetak
Bankarski sektor poslednjih godina sve više se okreće ka sektoru poljoprivrede. Primetan je porast ukupnih potraživanja bankarskog sektora od registrovanih poljoprivrednih gazdinstava u periodu 2012-2020. godine, dok je deo društvenog proizvoda koji generiše sektor poljoprivrede takođe zabeležio rast, ali ne u istom procentu kao i bankarski krediti poljoprivredi. Cilj rada je ispitivanje međuzavisnosti porasta ukupnih potraživanja banaka od registrovanih poljoprivrednih proizvođača sa porastom društvenog proizvoda koji generiše sektor poljoprivrede. U radu je korišćena metoda statističke korelacije. Analizira se i uticaj i promene investicionih kredita u poljoprivredi, kredita za obrtna sredstva, ali i kretanje potraživanja banaka po osnovu kamata i naknada od poljoprivrednih proizvođača. Zaključak je da postoji povezanost kredita i društvenog proizvoda sektora poljoprivrede, ali da postoje i drugi faktori koji imaju uticaja. Iako je poslednjih godina bankarski sektor otvoreniji prema sektoru poljoprivrede, iako su krediti jeftiniji, neophodno je stvarati uslove za još veću dostupnost kredita poljoprivrednim proizvođačima, što bi stvorilo pozitivne efekte na poljoprivredu u celini.
Abstract
In recent years, the banking sector has increasingly turned to the agricultural sector. There is a noticeable increase in the total claims of the banking sector from registered farms in the period 2012-2020, while the part of the domestic product generated by the agricultural sector also recorded growth, but not in the same percentage as bank loans to agriculture. The aim of this paper is to examine the interdependence of the increase in total claims of banks on registered agricultural producers with the increase in the domestic product generated by the agricultural sector. The method of statistical correlation was used in this paper. The impact and changes of investment loans in agriculture, loans for working capital, but also the change in bank claims from agricultural producers based on interest and fees have been analyzed. The conclusion is that there is a connection between loans and the domestic product of the agricultural sector, but that there are other factors that have an impact, too. Although in recent years the banking sector has been more open to the agricultural sector and although loans have become more affordable, it is necessary to create conditions for even greater availability of loans to agricultural producers, which would create positive effects on agriculture.
|
|
|
|
Reference
|
|
|
*** (2009-2016) Law on Agriculture and Rural Development. Official Gazette of RS, no 41/09,10/13, 101/16
|
|
|
*** Survey on the Structure of Agricultural Holdings 2012-2018. Retireved from www.stat.gov.rs (April 19, 2019)
|
|
|
*** (2017) Conclusion of the Government of the Republic of Serbia on the National Program for Agriculture 2018-2020. Year. Official Gazette of RS, number 120/17
|
|
|
*** Structure of Banks' Claims on Registered Agricultural Producers by Purpose (NBS Report). available at https://www.nbs.rs/sr_RS/ drugi-nivo-navigacije/statistika/detaljni_potrazivanja/ (February 25, 2021)
|
|
2 
|
Bogdanov, N. (2007) Small Rural Households in Serbia and Rural Non-agricultural Economy. Belgrade: Ministry of Agriculture, 78-82
|
|
|
Ćirović, M. (2006) Banking, European Center for Peace and Development. Belgrade, 347-347
|
|
 
|
Daoud, A., Reinsberg, B., Kentikelenis, A.E., Stubbs, T.H., King, L.P. (2019) The International Monetary Fund's Interventions in Food and Agriculture: An Analysis of Loans and Conditions. Food Policy, 83: 204-218
|
|
1 
|
Đurić, K., Tomaš-Simin, M., Glavaš-Trbić, D., Lukač-Bulatović, M. (2020) Challenges of the common agricultural policy of the European Union in the period after 2020. Ekonomija: teorija i praksa, vol. 13, br. 3, str. 34-47
|
|
|
Hadžić, M. (2018) Banking. Belgrade: Singidunum University, 191-191
|
|
|
Kačar, B., Curić, J., Ikić, S. (2017) Islamic banks and finance and the possibility of agricultural investments in the Republic of Serbia. Ekonomika poljoprivrede, vol. 64, br. 3, str. 1081-1100
|
|
|
Klepac, V., Hampel, D. (2017) Predicting Financial Distress of Agriculture Companies in EU. Agric. Econ. Czech, 63: 347-355
|
|
7
|
Kuzman, B., Đurić, K., Mitrović, L., Prodanović, R. (2017) Agricultural budget and agriculture development in Republic of Serbia. Ekonomika poljoprivrede, vol. 64, br. 2, str. 515-531
|
|
|
Larder, N., Ruth-Sippel, S., Argent, N. (2018) The Redefined Role of Finance in Australian Agriculture. Australian Geographer, 49(3): 397-418
|
|
|
Lin, C., He, L. (2020) Targeted Monetary Policy and Agriculture Business Loans. North American Journal of Economics & Finance, 54: 1-35
|
|
|
Meulen, H., Asseldonk, M. (2017) Mainstream and Alternative Sources of Finance in Dutch Agriculture. u: Paper for the 21th International Farm Management Congress, Edinburgh: Sub Theme: Financing Farm Business, 1-15
|
|
|
Migliorelli, M., Dessertine, Ph. (2017) Time for New Financing Instruments? A Market-oriented Framework to Finance Environmentally Friendly Practices in EU Agriculture. Journal of Sustainable Finance & Investment, 8(1): 1-26
|
|
|
Nisha, B. (2018) Evolution of Agriculture Finance in India: A Historical Perspective. Agricultural Finance Review, 78(3): 376-392
|
|
4
|
Njegomir, V., Tepavac, R., Ivanišević, N. (2017) Alternative sources of financing entrepreneurial undertakings in agriculture. Ekonomika poljoprivrede, vol. 64, br. 1, str. 295-306
|
|
1
|
Popović, S., Janković, I., Stojanović, Ž. (2018) Značaj bankarskih kredita za finansiranje poljoprivrede u Srbiji. Ekonomika poljoprivrede, vol. 65, br. 1, str. 65-80
|
|
|
Statistical Office of the Republic of Serbia (2021) Quarterly Gross Domestic Product in the Republic of Serbia. Report No.54, Retireved from www.stat.gov.rs (March 1, 2021)
|
|
|
Statistical Office of the Republic of Serbia (2019) National Accounts Statistics, Gross Domestic Product 2019. Report No.269, Retireved from www.stat.gov.rs (October 1, 2020)
|
|
|
Statistical Office of the Republic of Serbia (2015) National Accounts Statistics, Gross Domestic Product 2015. Report No. 260, Retireved from www.stat.gov.rs (September 30, 2016)
|
|
|
Todorović, M. (2009) Credit Risk Management in the Bank. Ekonomski horizonti, 11(2): 81-99
|
|
|
Uzun, V., Shagaida, N., Lerman, Z. (2019) Russian Agriculture: Growth and Institutional Challenges. Land Use Policy, 83: 475-487
|
|
|
Zakić, V., Kljajić, N. (2016) Analysis of the State of Financial Literacy of Agricultural Producers and Models of Financing Agricultural Production in the Republic of Serbia, Improvement of Financial Knowledge and Records on Agricultural Holdings in the Republic of Serbia. Belgrade: Institute of Agricultural Economics, 3-22
|
|
2
|
Zelenović, V., Vojinović, Ž., Cvijanović, D. (2018) Serbian agriculture loans with the aim of improving the current situation. Ekonomika poljoprivrede, vol. 65, br. 1, str. 323-336
|
|
|
|
|