MORTGAGE LENDING POTENTIAL IN AGRARIAN SPHERE: ESSENCE, STRUCTURE, SPECIFICATION OF FORMATION

Abstract

The resource potential of mortgage lending in the agrarian sector is viewed as a combination of material and financial resources in conjunction with the system of relations arising from their use through the mechanism of mortgage lending.
The components of the resource potential of mortgage lending in the agrarian sector include: mortgage potential; financial potential; investment potential; institutional capacity; regulatory capacity.
Pledging potential includes volumes, qualitative status, structure and monetary valuation of the existing property in the agrarian sector of the economy, which can act as collateral. Land resources play a key role in building mortgage potential.
Under the financial potential we understand the possibility of attracting mortgage lending temporarily free cash to the system of agricultural producers and mechanisms for its transformation into a mortgage. The sources of the financial potential of the mortgage lending system include: saving the population; free funds of enterprises; funds allocated from the state and local budgets to support and finance agriculture; funds of investment funds.
The essence of the investment potential lies in the feasibility of investing the mortgaged loan in measures to improve the efficiency of agrarian business activities and obtain higher profits. The directing of monetary mortgage resources in agricultural production takes place in two directions: extensive and intensive.
The institutional capacity is to create an effective system of participants in the mortgage market that would ensure the efficient use of accumulated debt capital and profitability for all subjects of mortgage relations.
Regulatory potential is manifested through the normative, informational and financial support of the sphere of mortgage lending of agrarian business subjects .
That's why it is necessary to investigate the possibilities of developing mortgage lending to agriculture in order to improve the socio-economic situation and ensure Ukraine's food security.