THE ATTITUDE OF ROMANIAN BANKS TOWARDS AGRICULTURAL CREDIT

Commercial banks in Romania have restricted the access to credit for agricultural farms. Banks have imposed eligibility criteria, difficult to realize in agriculture. In the financial and economic analysis, banks take into consideration the risks in agricultural activity. This research proposes an analysis of the dynamic evolution of  loans for agriculture. In the period of 2011-2015, banks credits for agriculture have a small share in total credits offered by the commercial banks. Lack of flexibility and guarantees required by banks have restricted access to credit for agricultural farms.