Analiza preferencyjnych kredytów obrotowych udzielanych dla rolnictwa

This study presents the problems connected with granting of preferential credits for the agricultural sector. Thorough, analysis on credit for purchase of the i:neans of production, for relieving the effects of drought and other natural calamity has been made. The research covered period 1994-1995. Two methods were used: comparative horizontal analysis and comparative vertical analysis. The results obtained applied to the whole country. The most of the credit was granted for means of production, while the least one for liquidation of the effects of natural disasters. Credit of the largest value to purchase the means of production was used by farmers from the following voivodships: Poznań, Szczecin and Olsztyn. The largest value of credit for covering costs of drought in 1994 was recorded in Kraków, Łódź and Kielce voivodships. The highest amount of credit to cover the costs arising out of the effects of natural disasters was granted in Poznań, Katowice and Opole voivodships. The conditions of the credit contracts were fulfilled by 96 per cent of the debtors. In farms that got preferential credit improvement in an economic activity intensification was noticed in period under review.