ENSURING FINANCIAL SECURITY OF AGRO-FOOD MARKET SUBJECTS ON THE BASIS OF THE NEW MODEL FINANCIAL AND CREDIT POLICY
Authors: Trusova Natalia , Artimonova Iryna , Kozak Vitalii 
Published: October 2024

Introduction. The financial security of the subjects of the agro-food market of Ukraine depends on various factors, and in particular, on the directions of transformation of the financial and credit policy, which, due to the threats and challenges of the martial law, has undergone a negative generation. It gave rise to hypertrophied disparities in the banking sector, significantly reduced the supply of credit resources from financial institutions, accelerated the recession of financial and credit provision of subjects of the agro-food market, sharply scaled the uncontrolled fluctuation of the exchange rate and its impact on the increase in the cost of raw materials in the production sphere, reduced cash receipts of various levels and suspended the capitalization of financial resources. Methods. The following methods were used in the research process: monographic (when studying the experience and features of the financial development of subjects of the agro-food market on the basis of economic and financial theory), the method of analysis and synthesis (when assessing the state of financial security of subjects of the agro-food market when transitioning to a new model financial and credit policy); abstract and logical (when forming a monetary mechanism for ensuring the financial security of subjects of the agro-food market); theoretical generalization and comparison (when performing theoretical generalizations and formulating conclusions, improving the conceptual and categorical research apparatus); structural and logical (when studying the process of state regulation of the financial security of subjects of the agro-food market, ensuring their financial balance under the new model of financial and credit policy). Results. A methodical approach to ensuring the financial security of the subjects of the agro-food market on the basis of changing the model of financial and credit policy with the aim of suspending the monetary, banking and budget recession, restoring economic ties with the EU and the world in the war and post-war period, as well as establishing temporary support is substantiated and activation of the movement of financial flows from global financial institutions. A basic model of the balance of financial and credit flows has been built to ensure the financial security of subjects of the agro-food market in the event of a change in the model of financial and credit policy. Discussion. When ensuring the financial security of the subjects of the agro-food market of Ukraine on the basis of the new model of financial and credit policy, it is necessary, first of all, to determine the influence of the banking sector, since it is the dominant vector of financial stability in the country and is capable of bypassing serious strategic miscalculations in the financial system of business structures in the formation of updated hypotheses and paradigms of their financial development. As the main directions of further research, which will allow to reproduce the financial system of the subjects of the agro-food market and their security, from the standpoint of the effectiveness of the new model of financial and credit policy, the NBU's incentive tools for lending and investing in priority sub-sectors of the agro-food market have been selected, with the aim of expanding business opportunities structures of agrarian direction in the country. Keywords: financial security, financial and credit policy, subjects of the agro-food market, bank lending, state support, global financial institutions.