Current trends of financial and credit security of agricultural enterprises in Ukraine

The article examines the peculiarities of financial and credit provision of agricultural enterprises. The negative aspects that affect the amount of financing of agricultural enterprises are singled out. The peculiarities of the implementation of credit policy by the banking sector of agrarian business enterprises are identified. The state of crediting of enterprises was studied, with the leaders of the banking sector, who cooperate the most with agrarians in terms of crediting, singled out. The main aspects of financial and credit provision of agricultural enterprises were highlighted, which made it possible to outline the directions that will contribute to the increase in the volume of lending to the agricultural sector. The stages of determining the directions of lending to agricultural enterprises with the aim of increasing the social responsibility of business and the development of state guarantees have been studied. Taking into account the considered features of financial and credit support for the functioning of agricultural enterprises, the following aspects of improving existing methods will be noted: the need to use credit resources in the reproduction process; improvement of the forms of organization of agrarian business; development of the system of non-bank crediting of agrarian business enterprises; expansion of state support programs for agrarian business taking into account needs and regional distribution; activation of cooperation between agricultural enterprises and banking institutions on the basis of optimal lending conditions, taking into account state guarantees; development of post-war recovery programs for agricultural enterprises that suffered as a result of armed aggression by russia; state support of agricultural enterprises in the frontline regions, assistance to domestic agricultural enterprises in receiving international grants for the development of their own business. It has been proven that today agrarian business is the main basis for ensuring the restoration of the state's economy and the country's food security; the activity of agricultural enterprises is closely related to the possibility of attracting financial and credit funds for their own development. It was established that the difficult economic, political and security conditions led to a decrease in the efficiency of the industry, especially in the frontline regions and the territories of active hostilities. It is noted that in order to support and restore the agricultural potential of the state, it is necessary to develop appropriate mechanisms for effective interaction between the state, business and financial and credit institutions to determine the optimal conditions for providing credit funds and state loan guarantees.