Management of credit risks of the bank in lending to the agro–industrial complex, related opportunities and prospects

Issue № 1, 2026, article № 7, pages 67-72

Section: Economic mechanism of managing

Language: Russian

Original language title: УПРАВЛЕНИЕ КРЕДИТНЫМИ РИСКАМИ БАНКА ПРИ КРЕДИТОВАНИИ АПК, СОПУТСТВУЮЩИЕ ВОЗМОЖНОСТИ И ПЕРСПЕКТИВЫ

Keywords: FINANCIAL RISKS, BANKING SECTOR, AGRO–INDUSTRIAL COMPLEX, LOAN PORTFOLIO

Abstract: This article shows the importance of financing the agro–industrial complex as a key element of the agricultural sector of the economy. In the context of the need for uninterrupted financing of the industry by agriculture, the factor of stability of the credit institution, which has been supporting the industry for a long period of time, is of great importance. In this regard, the importance of analyzing the financial condition of a credit institution, the possibility of its sustainable development is shown not only within the framework of the planning horizon according to the parameters of the three–year development of the country's economy, but also taking into account the variability of the planning horizon itself for a longer term. This study also pays special attention to various types of financial risks that accompany a credit institution when performing various banking operations, including operations aimed at financing the agro–industrial complex. The dependence of the structure of the loan portfolio on micro– and macroeconomic parameters is shown. To achieve the results of the analysis, elements of mathematical modeling were used.

Authors: Girinskii Andrei Vladimirovich, Stepannikova Oksana Alekseevna, Seredin Denis Evgenevich