Issue №: 2 (56)
The journal deals with the issues of efficiency of functioning of the national economics and organizational forms of management of the national economy. Attention is paid to the problems of marketing, management and efficiency of production and economic activity of agrarian enterprises. The issues of public administration and administration, accounting and taxation, banking and insurance, forecasting and modeling of economic processes, foreign economic activity, commodity flows of economic entities and their infrastructure support.
THEORETICAL ASPECTS OF THE ESSENCE AND FEATURES OF CREDIT RELATIONS IN THE AGRICULTURAL SECTOR OF THE ECONOMY
ALESKEROVA Yuliia – Doctor of Economics Sciences, Professor of the Department of Finance, Banking and Insurance, Vinnytsia National Agrarian University (21008, Vinnytsia, 3, Soniachna Str., e-mail: aleskerovaaleskerova@gmail.com).
FEDORYSHYNA Lidiya – Candidate of Historical Sciences, Associate Professor of the Department of Analysis and Statistics, Vinnytsia National Agrarian University (21008, Vinnytsia, 3, Soniachna Str., e-mail: fedorishina@i.ua).
The article reveals the essence of credit, investigates the evolutionary prerequisites for the emergence and formation of the categorical apparatus of lending, defines the characteristic features of credit, which were studied by representatives of various theories. The stages of development of credit relations in society are systematized. The stages of development of credit relations, principles, functions and features of lending to enterprises in the agricultural sector of the economy have been investigated.
The evolutionary aspects of credit as an economic category have been investigated from the standpoint of the capital-creation theory and the theory of credit regulation.
It has been established that the main provisions of the capital-creation theory treat credit as a category independent of the reproduction process and as a decisive factor in the development of the economy. It is proved that the capital-creation theory received its development in the form of the expansionist theory of credit, based on the provisions on the infinity of credit and the deposits and capital created by it. It is proved that the essence of credit is revealed more deeply by the theory of credit regulation, which determines the priority role of the monetary system in the development of the state's economy, emphasizing its ability to regulate the economic system and prevent crisis phenomena. It has been established that the development of credit theories at the present stage is reflected in the redistribution and stock theories.
It has been proved that it is expedient to use an integrated, multi-level approach to the study of the essence, functions, mechanisms of the functioning of credit and to determine its influence on the development of the state economy. The result of this research is the author's conceptual vision of credit as an economic category, which systematically covers the essence, role and functions of credit. The legitimacy of the existence of a separate mechanism of credit relations in the agricultural sector of the economy, covering credit institutions, the credit market, credit policy and the credit flows themselves, has been proved. The essential characteristics and features of agricultural credit are systematized and the priority features of credit facilities in agriculture are highlighted. Five groups of factors have been formulated that affect the availability of credit for business entities in agriculture in modern conditions.
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2. Versal, N.І. (2007). Teoriya kredytu [Credit theory]. Kyiv: Vydavnichiy dim Kievo-Mohilyanska akademiia [in Ukrainian].
3. Hahn, L. Albert. (2015) Economic theory of bank credit. Oxford University Press [in English].
4. Shchetinin, A.І. (2006). Hroshi ta kredyt [Money and credit]. Kyiv: Tsentr uchbovoi literatury [in Ukrainian].
5. Bandurka, O.M., Hlushchenko, V.V., & Hlushchenko, A.S. (2014). Hroshi ta kredyt [Money and credit]. Lviv: Mahnoliia [in Ukrainian].
6. Bechko, P.К., & Herasimova, T.T. (2013). Bankivske kredytuvannia ahrarnogo vyrobnytstva [Bank lending for agricultural production]. Uman: Visavi. Vydavets Sochinskyi [in Ukrainian].
7. Valentseva, N.I. (2010). Zakony i zakonomernosti razvitiia kredita [Laws and patterns of credit development]. Bankovskie uslugi – Banking services, 12, 2-9 [in Russian].
8. Gula, A.S. (2016). Teoretychni kontsepsii kredytu: evolutsii pohlyadiv [Theoretical concepts of credit: the evolution of views]. Regionalna ekonomika ta upravlinnia – Regional economy and management, 1 (08), 48-51 [in Ukrainian].
9. Savluka M.I. (2011). Hroshi ta kredyt [Money and credit]. Kyiv: KNEU [in Ukrainian].
10. Gudz, О.E. (2005). Kredytuvannia i bankivske obslugovuvannia pidpryemstv agrarnogo vyrobnytstva: suchasni tendentsii ta osoblyvosti [Lending and banking services of agar production enterprises: current trends and features]. Kyiv: NNTS, ІАЕ [in Ukrainian].
11. Vdovenko, L.O. (2019). Kredytuvannia v APK [Lending in the agro-industrial complex]. Vinnitsa: VNAU [in Ukrainian].
12. Grishchuk, N.V. (2019). Kredutne zabezpechennia funktsionuvannia silckohospodarskih pidpryemsv v umovah suchasnogo ekonomichnoho seredovyshca [Credit support for the functioning of agricultural enterprises in the modern economic environment]. Shidna Evropa: ekonomika, biznes ta upravlinnia – Eastern Europe: Economy, Business and Management, 6 (23), 613-624 [in Ukrainian].
13. Demiianenko, М.Y. (2002). Kredytna polityka derzhavy schodo ahrarnoho sektora ekonomiky v rynkovyh umovah [State credit policy on the agar sector of the economy in market conditions]. Ekonomika Ukrainy – Ukraine economy, 1, 51-59 [in Ukrainian].
14. Lahutin, V.D. (2002). Kredytuvannia: teoriia i praktyka [Lending: theory and practice]. Kyiv: Znannya [in Ukrainian].
About journal
051 Economics
071 Accounting and taxation
072 Finance, banking and insurance
073 Management
075 Marketing
076 Business, trade and exchange activities
241 Hotel, restaurant and catering
281 Public administration
The journal “Economy, finances, management: Topical issues of science and practice” is included in the "List of Scientific Professional Editions of Ukraine".
The scientific edition is assigned the Category "Б" in the field of economics in specialties 051, 071, 072, 073, 075, 076, 241, 281
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The purpose of the journal "Economics, finances, management: Topical issues of science and practical activity» is the coverage of leading scientific ideas in the economic, financial and management activities of the sectors of the national economy and the involvement of representatives of the domestic and foreign scientific professional community.
Objectives of the journal:
- publication of research findings on innovation in the economy, financial and management spheres, innovation of production processes;
- expanding partnerships with international scientific publishing organizations;
- enhancing the culture of reviewing and annotating published material;
- adherence to editorial ethics.
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It was founded in 1997 under the name "Bulletin of the Vinnytsia State Agricultural Institute". In 2010-2014 he was published under the title “Collection of scientific works of Vinnitsa National Agrarian University”.
From 2015 ”Economy, finances, management: Topical issues of science and practical activity” (Certificate of State Registration of Mass Media No. 21154-10954 of PR as of December 31, 2014)
The journal is the successor to the edition ”Collection of Scientific Papers of Vinnytsia National Agrarian University. Series: Economic Sciences. "
