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.