Features of lending to agricultural subjects in a commercial bank: distinctivity of seasonality of payment

Modern credit organizations are universal. Banks are engaged in a wide variety ofoperations, but lending is the most significant operation of the bank as it makes profit.Currently, lending to the agricultural sector is becoming particularly relevant, since in Russiait is the main "driver" of the development of agricultural production, improving the quality andstandard of living not only of commodity producers, but also of the population, strengtheningthe potential of agricultural producers. All this constitutes financial support for the agro-industrial complex. The relevance of the presented topic of the scientific article is due to thefact that recently there has been an increase in lending to agricultural producers and anincrease in all kinds of risks when issuing a loan. In modern Russia, it is often more profitablefor agricultural entities to increase their business by means of preferential lending by bankingorganizations, rather than by "searching" for subsidies and subsidizing from the country'sbudget. The article highlights banks engaged in lending to agricultural producers, a specialplace among them is given to JSC "Rosselkhoznadzor", which actively participates in theimplementation of the State Program for the Development of Agriculture and regulation ofagricultural products, raw materials and food markets. The article presents the maindirections of the use of preferential lending by farmers, the target nature of this type of loanand its share in the total volume of agricultural lending in JSC Rosselkhoznadzor are noted:43.6% (579.1 billion rubles) in 2022, which is 7.5% higher than the previous year. Theproblems faced by the participant of concessional lending, as well as the reasons for thesuspension of subsidizing concessional loans, are identified. Taking into accountshortcomings of the current lending system, wealth divide of the rural population, divide ofthe financial and economic condition of agricultural enterprises, some measures to create arural credit system and creation of a new banking product "Big Purchase" are proposed. Thedistinctiveness of the new proposed loan product lies in the ranking of repayment of theamount received by quarters, taking into account the seasonality of this type of activity.