EN
The analysed period (1992-2003) was characterised by diversified funding of farming activities by bank credits. Significant factors involved in undertaking any liabilities include the age and educational level of the producers, their farm areas and location, and the kind of production they pursue. In 1998-2003 the analysed farm used credits 2.7 times more often than in 1992- 1997. Their share in total structure changed in the analysed period from 40% to 77%. The number of credits incurred for investment outlays increased more apparently from 29% to 77%. Economic risk is the main factor (63%) making difficult producers' credit decision.