The rules of agriculture crediting have been considerably changed since 1991, in comparison with the previous years. Agricultural credits became expensive and difficult to obtain. It was connected with a difficult situation of the national budget. In 1993 the budget deficit was equal to PLZ 43-9 bln and limited inflow of funds through banka to agriculture. The debts of agriculture, on a global scale, amounted in 1993 to PLZ 19.3 bln and, in relation to 1992, increased nominally by 10.8%. Short-term operating credits predominated in the debt structure of individual farms. Preferential credits, the funds from which were usually allocated for purchases of fertilizers or plant protection chemicals and sometimes of machinery, were the most common among them. Investment credits constituted 1/4 of the total credit number. Limitation of investment expenditures by farmers was connected with a deficit in their own funds and related to that fact difficulties in obtaining of a credit.