FACTORS AND PROSPECTS FOR ENHANCING THE EFFICIENCY OF THE AGRICULTURAL LENDING SYSTEM THROUGH COMMERCIAL BANKS
Keywords:
Agricultural finance, commercial banks, innovative credit products, financial inclusion, digital technologyAbstract
This research explores the key factors and future prospects for improving the efficiency
of the agricultural lending system through commercial banks. It highlights the growing importance
of innovative credit products and digital financial technologies in increasing access to finance for
agricultural enterprises, especially smallholder farmers. By analyzing both local and international
studies, as well as statistical indicators from commercial banks in Uzbekistan, the study provides a
comprehensive assessment of current challenges and development opportunities. The research
concludes that integrating fintech solutions, improving risk management mechanisms, and fostering
public-private partnerships can significantly enhance the effectiveness of agricultural finance and
contribute to sustainable rural development.
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