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Kredytowanie rolnictwa przez banki spoldzielcze na terenie woj.wloclawskiego w latach 1990-1993

100%
Debniewska M., Swiatkiewicz B.
Acta Academiae Agriculturae ac Technicae Olstenensis. Oeconomica
|
1995
|
tom 32
33-45
The research concerned the credit activity of co-operative banks in the years 1930-1993, in the Włocławek province. The credit position of individual farms was analysed versus that of other borrowers. The obtained results indicate that the number of short-term credits was systematically growing throughout the examined period, with a simultaneous depreciation of money amount corresponding to an application for a credit submitted by a farmer. Moreover, there appeared a regular tendency of departing from investment credits. Payments on this kind of credit dropped by 22%. A new phenomenon came into being, namely granting certain bank funds in the form of operating credits for investment purposes. The research result« also show that only about 25% of farmers decided on credits. Commercial credits used in agricultural production did not influence farm incomes, due to the fact that agricultural production profitability remained on a low level.
2

Wybrane aspekty kredytowania rolnictwa w Polsce w latach 1990-1993

100%
Debniewska M., Swiatkiewicz B.
Acta Academiae Agriculturae ac Technicae Olstenensis. Oeconomica
|
1995
|
tom 32
23-32
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.
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