Ensuring the affordability of financial resources for the agro-industrial complex as a factor in achieving sustainable development goals

Abstract

The article examines theoretical approaches to determining financial accessibility in terms of achieving sustainable development goals. Conclusions are drawn about the need to shift the focus from physical to affordability in the context of the development of digital technologies. The role of the affordability of loans, in particular for organizations of the agroindustrial sector, is shown. A comparative analysis of the dynamics of the indicators of the cost of loans and the key rate was carried out, which allowed us to conclude that monetary policy instruments have a significant impact on the availability of loans for the agricultural sector. The dynamics of the coefficient of autonomy of agricultural enterprises is shown, reflecting a decrease in the availability of borrowed capital. The negative impact of changes in the conditions of preferential lending to agricultural organizations on the availability of financial resources has been revealed. It is proposed to take into account the identified trends in the development of monetary policy by the central bank.