Special experienceThe OAO "Rosselchosbank" Russian Agricultural Bank, founded by the state in 2000, was the basis for the national credit and financial system as a contact point for prod
Trang 1Special experience
The OAO "Rosselchosbank" (Russian Agricultural Bank), founded by the state in 2000, was the basis for the national credit and financial system as a contact point for producers of the agro-industrial complex and acquired a wealth of experience in the creation and dynamic expansion
of the credit portfolio To acquire the reputation of a reliable and dignified partner on the domestic and foreign money markets so that one could approach the most important task entrusted by the State to act as a basic instrument for supporting lending for priority national projects, Promoting the development of small farms in rural areas and intercultural communication between the subjects of the Russian Federation
According to the Ministry of Agriculture of the Russian Federation, the share of bank loans in various sectors is 50 to 90% of the credit facilities of all Russian commercial banks
In order to move closer to the mass of potential borrowers, the Bank has expanded its branch network, developed a number of unique credit products, taking into account the peculiarities of agricultural producers, which simplifies lending procedures and provides comprehensive advice Despite the positive development, the Bank is now faced with certain difficulties, both objective
the solution of which is in the first place:
The main problems with the use of loans are difficulties in contracting, as well as in the pledging
non-payment of subsidies vary: a certain part of the borrower simply did not request the payment, the proportion of documents not submitted in due time or not properly filed is also
the disbursements are delayed, is high
Very serious difficulties are caused by the excessive checks carried out by the various control bodies, exten- sive examinations, visits by the officials in the establishments, requiring the submission of the documents proving the appropriate use of the loan (eg delivery notes of all
called upon to make joint efforts to promote a civilized development of the agricultural market with the associated attributes and not to prepare the ground for all kinds of corruption and bribery
The unprofitable nature of many farms, the lack of collateral or other foundations for the protection of loans also proves to be problematic.Added to this is the inability of the administrative bodies to effectively support local projects (lack of qualified staff for the evaluation of projects, business plans, new agricultural and information technologies)
From the outset, the Rosselchosbank has favored lending to citizens from rural areas as one of the main directions of their work
Trang 2In resolving this issue, the Bank devoted its full attention to the political and socioeconomic
mechanism, close cooperation between the authorities and the credit institution is required
An important point in the social development of rural areas is the organization of social
developing credit products that can be targeted to achieve these goals
The problem with the queues at the operating cash registers was solved by expanding the branch network
The OAO "Rosselchosbank" does its utmost to expand its branch network for more customer
addition, there are more than 200 authorized representatives of the bank, which carry out some
of the activities in lending in the areas where there are no additional banking branches
One of its main tasks is to provide the Bank with the extension of access to credit resources for the population to ensure the development of productive activity and the safeguarding of
business, the social protection of the rural population under the conditions of market
migration policy
The implementation of the priority national project "Development of the agro-industrial
is to create a universal financial and credit institution whose primary specialization is the development of the agro-industrial complex of the Russian Federation
only Russia needs to build a ground caterpillar, the installation of a ruble payment system, the
where the Russian Federation is a member of the WHO, and the competitiveness of domestic agricultural products must be combated, the most modern banking products have to be used to
of management, perfecting the informative and technological support of the Bank's activities, supplementing the development of a strategy of the Bank, taking into account the turbulent socio-economic changes in rural areas and taking into account the changes The vector of organizational development