In article it is noted that now farms don’t enter into the sphere of interests of commercial banks. On official statistics of Gosfinuslug – in structure of a credit portfolio of KS the credits to farmers make only 2,6 %.
The TACIS project Providing the help to small and medium-sized enterprises in the rural zone published unfavourable results of the market research which purpose was to find out need of inhabitants of the village for credit resources, and also access to them.
Now small farmer hozyayyostvo don’t enter into the sphere of interests of komyomerchesky banks. And after all they sostavlyayut more than 80 % of all tovaroproizvoditeyoly agrarian sector. Around the world them serve financial and credit kooperativy, clients and which owners are small and medium-sized enterprises, farms, – the head of a group of experts of the TACIS project speaks to Harry Rosh. With it mneyoniy the regional predsyotavitel of the TACIS project Vladislav Goncharenko is solidary also: It is impossible to speak about arrival of banks to village crediting. The sphere of their interests includes large and serious agricultural enterprises. And average and melyoky producers banks haven’t enough interesny. The credityony unions should occupy this niche.
Research was carried out by request of the credit unions (credit objediyoneniye of citizens) in Ukyoraina’s four areas – Lvov, Ivano-Frankovsk, Poltava and Lugansk. As Responyodentami inhabitants of the rural zone with the average level of the income, among which – farmers and workers of the budgetary sphere acted. Poll showed that 36 % of peasants have a need soon to borrow money. Sreyodi the interrogated member respondents of the credit unions of 50-54 % have a potyorebnost in the credits. Among not members of KS such there were less, 31-34 %.
The majority of rural dwellers predpochitayut to take the credits in banks (32 %). Almost same number of respondents (31 %) is borrowed by money at native and familiar. And only 8 % used the credit unions. The unions actively work as Credityonye in big cities, and in agrarian sector they especially aren’t presented, – Vladislav Goncharenko complains. His words are confirmed also by official statistics of Gosfinuslug: in structure of a credit portfolio of KS kredity to farmers make only 2,6 %.
The existing system of the credit unions doesn’t allow landowners rasschityvat on their significant help. And after all the essence of KS consists in credit cooperation, first of all in the rural zone – member Gosfinuslug, the director of the department of supervision of credit institutions Andrey Olenchik considers.
Big hope experts vozlagayut on the concept of development of system of the kreyoditny cooperation, approved by Ministry at the beginning of June. If the concept is introduced, the credit unions ozhidaet essential reform. The document, in particular, provides that chlenami the unions, except individuals, there can be two categories of yuridichesyoky persons – small enterprises and feryomersky farms.
That the concept was introduced in life, it is necessary, first of all, chtoby the ministries and departments razrabotali the plan of the corresponding meropriyayotiya. And politicians are now occupied with a sharing of portfolios. Therefore no wonder that the conference devoted to results of an isyosledovaniye, the invited officials amicably ignored.
(On newspaper materials To Fermerska a hospodariate).