Article title: SOME ASPECTS OF LEGAL REGULATION OF AGRICULTURAL LOANING

Article author: Yusupov Ramil Zyakyarievich

Number of pages: 6

Contact mail: r.yusupov@bk.ru

Аbout the author:

Annotation:
The article is devoted to the study of lending to the agricultural sector. The author notes the need to improve, optimize and adapt the modern legal framework for credit regulation to the new realities and needs of agricultural producers. Attention is focused on the shortcomings of the comprehensive legal regulation of concessional lending to the agricultural sector. The necessity of introducing a mechanism for improving the legal regulation of collateral relations in the field of lending to the agricultural sector is emphasized. According to the results of the study, the author proposes a number of directions for improving the legal regulation of lending to the agro-industrial complex, namely: timely allocation by the Ministry of Agriculture of the Russian Federation of the next tranches for subsidizing investment loans for the purchase of equipment; acceleration of the approval process for obtaining soft loans; reduction of too long time for decision making; reduction of high requirements for small business in the agricultural sector; reduction in the volume of documents required to obtain a loan; addressing the needs of agricultural producers in lending throughout the year, and not at the beginning, which contributes to the dependence on limits; the provision of not only short-term loans, but also mediumterm and long-term, taking into account the specifics of seasonality and profitmaking by agricultural enterprises; expanding the list of authorized banks for the implementation of the mechanism of soft loans; the introduction of credit vacations during production stagnation, based on seasonality in various areas of agricultural work; consolidation at the regulatory legal level of deferment of down payments and the possibility of payments in the fourth quarter.