Analysis of lending to agricultural enterprises by commercial banks

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Analysis uncovers systemic challenges in agricultural lending, highlighting digitalization and government support as key solutions.

Effective lending to the agro-industrial complex is critically constrained by financial barriers, impacting food security.
The analysis identified key issues within banks' credit policies that hinder agricultural sector growth, pointing to systemic constraints.
Adopting digital banking services and government support mechanisms may enhance credit accessibility for agricultural enterprises.
Recommendations aim to adapt international financing experiences to improve credit policies in the Russian agricultural context.

Sklyarov et al. (2025) studied this question.

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