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Autor
Lanfranchi Maurizio (University of Messina, Italy), Gianetto Carlo (University of Messina, Italy)
Tytuł
Subsidized Agricultural Credit as a Tool for Revitalization of Agricultural Enterprise
Źródło
Zeszyty Naukowe Uniwersytetu Szczecińskiego. Finanse, Rynki Finansowe, Ubezpieczenia, 2011, nr 38, s. 99-108, tab., bibliogr. 13 poz.
Słowa kluczowe
Rolnictwo, Finansowanie rolnictwa, Kredyt rolny
Agriculture, Agricultural finance, Agricultural credit
Uwagi
streszcz., summ..
Abstrakt
Autor koncentruje się na problemach finansowania rolnictwa, zwłaszcza zaś jego kredytowania. Nowe regulacje Unii Europejskiej oraz umowy "Bazylea 2" mają: ułatwić dostęp do kapitału, ustalić ramy prawne regulujące kredyty rolne, zagwarantować stabilność i rentowność finansowania rolnictwa.

The profound changes that have affected agricultural systems worldwide in recent years have attracted the attention of policy makers to issues concerning the access to risk capital. The process of globalization and the substantial changes in the regulatory system created in the lending sector have created a profound change in the competitive profile of the financial sector, developing a network of financial intermediation able to adopt management models, as well as dynamic and flexible organiza tion orders. Simultaneous to these events, the regulatory framework governing agricultural credit has undergone profound changes, especially after the adoption of EU directives on the subject of Banking outlined in the Banking Act (TUB) in 1993 and the Basilea 2 Agreements, consisting of numerous implementation regulations of central banks, formally entering into force on January 1, 2007. With the Basilea 2 Agreement the effects in the agricultural sector have been and will be manifold: a depersonalization between banks and enterprises has taken place. The "banking relationship" can use a range of information so vast that it can greatly reduce the problem of asymmetric information and, consequently, creates conditions for more stable and profitable financing. In this context, the farmer needs to be more careful when giving information and get used to establishing an ongoing relationship with their banking partner. In fact, the farmer will be required to use more skill and accuracy in the preparation of investment plans (business plans, budgets, etc) to improve his credit rating. In addition, the new model of agricultural enterprise needs to treat its "image" with care and the use of credit must be proper. The banks, in order to avoid the problem of depersonalization will develop a relationship-oriented policy and will reinforce relationships of trust with customers; and for this reason they will have to adapt to regulatory changes and revise the way they operate and the way they provide guarantees. (original abstract)
Dostępne w
Biblioteka Główna Uniwersytetu Ekonomicznego w Krakowie
Biblioteka Szkoły Głównej Handlowej w Warszawie
Biblioteka Główna Uniwersytetu Ekonomicznego w Katowicach
Biblioteka Główna Uniwersytetu Ekonomicznego w Poznaniu
Biblioteka Główna Uniwersytetu Ekonomicznego we Wrocławiu
Biblioteka Główna Uniwersytetu Szczecińskiego
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Bibliografia
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  1. Allen L., Gale D.: Comparing financialsystem, MIT press, CambridgeMA, 2000.
  2. Altman E.I., Onorato M.: An integrated pricing model for default able loans and bonds, Stern University, New York 2002.
  3. Bianchi T., Carosio G., Frasca F.M., Cassese S.: I cambiamenti nella regolamentazione sui requisiti patrimoniali e negli assetti proprietari delle banche - interventi tenuti nell'ambito del Seminario: redditività, patrimonio e mutamenti organizzativi nelle banche italiane, Perugia 2002.
  4. Cantino V.: Valore d'impresa e merito creditizio, il rating, Milano, GIUFFRE' 2002.
  5. "Journal of Banking and Finance" 2000.
  6. Crivellaro: Il nuovo credito bancario alle imprese agricole cosa è cambiato con Basilea 2, Sole 24 Ore, Agrisole, Milano 2008.
  7. Fabi F., Laviolas, Reedtz P.M.: The impact of Basel II on the Italian corporate sector and on Italian banks, atti del convegno Risk and stability in the financial system: what role for regulators, management and market discipline?, Università commerciale L. Bocconi, Milano 2002.
  8. Hamerle A., Rösch D.: Response on The New Basel Capital Accord, Università di Regensburg, Germania 2003.
  9. Heitfield E.: Rating System Dynamics and Bank-Reported Default Probabilities under the New Basel Capital Accord, Federal Reserve, Washington 2004.
  10. Lanfranchi M.: Dal Trattato di Roma alla Health check, Edas, Messina 2008.
  11. Maino R.: Fare credito alla luce degli accordi di Basilea 2: limitazione o risorsa strategica?, [in:] Credito bancario e rating d'impresa: i nuovi scenari proposti dagli accordi di Basilea, intervento all'assemblea dell'Unione degli industriali della prov. di Varese 2002.
  12. Nadotti L.L.M.: Rischio di credito e rating interno, EGEA, Milano 2002.
  13. Salemi M.: La convergenza delle esigenze informative per la gestione del rischio di credito in ottica regolamentare e di business: alcune ipotesi di arricchimento della centrale dei rischi in vista di Basilea 2, [in:] La Centrale dei Rischi nella gestione del credito: esperienze e prospettive, BANCA D'ITALIA 2002.
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ISSN
1640-6818
1733-2842
Język
eng
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