The developing trends of Hungarian agricultural loans in the term of 1995 and 2012

Abstract

The articleanalyses the agricultural HUF and FX loans and trends between 1995 and 2012. The authors use the linear and exponential analysis in trends of loans for agriculture in Hungary. During the period of 1995-2012, the bank loan for agriculture in percentage of the total bank loan in Hungary was at the highest level, namely 9.76%, when the total loan amount was 192.1 billion HUF in 1998, and this was at the lowest level, namely 3.69%, when the total loan amount was 265.6 billion HUF in 2010. The authors draw a growing linear trend of loans until 2005, namely the loan amount was 358.8 HUF billion, after that little decreasing occurred until 2008, and the loan amount has considerably decreased since 2008, when the economic and financial crisis started; while a decreasing trend of the loan ratio was going on. The average yearly credit increase is 24.486 billion HUF. The Hungarian agricultural sector is in a better position than other sectors of the economy.

Keywords

• credit
• financing
• guarantee
• regression calculation