2007•Bulletin of University of Agricultural Sciences and Veterinary Medicine Cluj-Napoca HorticultureOpen access
THE ACCESS OF AGRICULTURAL FARMS TO BANK CREDITS OFFER
Daniela Haranguş
Open full text 0 citations
Abstract
The access of agricultural farms to the bank credit offer is determined by a series of factors having a negative or positive influence, meaning the farms financial performances and the efficient management of risks by commercial banks. The analysis made by commercial banks in crediting begins with client selection and stretches to the dimensioning of the maximum credit volume that can be given to a petitioner. The evolution of agricultural credits in the period 2004 - May 2007 and their percentage in the total bank crediting is unsatisfactory and extremely low for the development of a performing agriculture. This means it is necessary for banks to rethink and implement a flexible crediting system.