Abstract
The research aims to show the importance the availability of standards and the
foundations of agricultural finance in the financing policy adopted by the
government in order to achieve its objectives, the Iraqi government adopted after
the mid-2008 comprehensive agricultural initiative to promote the agricultural
sector and irrigation by providing additional funds the general budget to support
the ministries of agriculture and water resources and support activities projects
and events chock agricultural sector, as well as providing agricultural loans to
investors through specialized lending funds, and included a problem with the
(lack of credit policy plan funding for the initiative and its dependence on the
public budget revenues in the provision of funds, which affected one way or
another to achieve their objectives), which included research two themes touched
first to agricultural initiative, the administration and executive bodies, while
touched second to agricultural lending mechanism in the specialized lending
funds, curriculum description adopted and analysis to reach results that included a period (2008-2015), the researcher suggested a number of conclusions notably
affected the agricultural sector and irrigation allocations and loans to rise and
the decline in the general budget total dependence on oil revenues, and for
varying the funds planned and disbursed to the provinces and funds specialized
lending to the lack of credit plan, and researcher recommended that inventory
financing policy agricultural cooperative bank after the restructuring, as well as
the adoption of a deliberate credit plan based on accurate statistics the reality of
the agricultural sector and to link lending saving process.
foundations of agricultural finance in the financing policy adopted by the
government in order to achieve its objectives, the Iraqi government adopted after
the mid-2008 comprehensive agricultural initiative to promote the agricultural
sector and irrigation by providing additional funds the general budget to support
the ministries of agriculture and water resources and support activities projects
and events chock agricultural sector, as well as providing agricultural loans to
investors through specialized lending funds, and included a problem with the
(lack of credit policy plan funding for the initiative and its dependence on the
public budget revenues in the provision of funds, which affected one way or
another to achieve their objectives), which included research two themes touched
first to agricultural initiative, the administration and executive bodies, while
touched second to agricultural lending mechanism in the specialized lending
funds, curriculum description adopted and analysis to reach results that included a period (2008-2015), the researcher suggested a number of conclusions notably
affected the agricultural sector and irrigation allocations and loans to rise and
the decline in the general budget total dependence on oil revenues, and for
varying the funds planned and disbursed to the provinces and funds specialized
lending to the lack of credit plan, and researcher recommended that inventory
financing policy agricultural cooperative bank after the restructuring, as well as
the adoption of a deliberate credit plan based on accurate statistics the reality of
the agricultural sector and to link lending saving process.
Abstract
هدف البحث الى بيان أهمية توافر معايير وأسس التمويل الزراعي في سياسة التمويل التي تتبناها الحكومة كي تحقق أهدافها, فقد تبنت الحكومة العراقية بعد منتصف عام 2008 مبادرة زراعية شاملة للنهوض بالقطاع الزراعي والاروائي عن طريق توفير مبالغ إضافية بالموازنة العامة لدعم مشاريع وزارتي الزراعة والموارد المائية ودعم الأنشطة والفعاليات الساندة للقطاع الزراعي, فضلا عن تقديم القروض الزراعية للمستثمرين من خلال صناديق الإقراض التخصصية, وتضمنت مشكلة البحث في (عدم وجود خطة ائتمانية لسياسة تمويل المبادرة واعتمادها على إيرادات الموازنة العامة في توفير الأموال مما أثر بشكل أو بأخر في تحقيق أهدافها), تضمن البحث مبحثين تطرق الأول الى المبادرة الزراعية, إلادارة والجهات التنفيذية, بينما تطرق الثاني الى آلية الإقراض الزراعي في صناديق الإقراض التخصصية,اُعتمد منهج الوصف والتحليل في التوصل الى النتائج التي شملت المدة (2008-2015), توصل الباحثان الى جملة من الاستنتاجات أهمها تأثر تخصيصات القطاع الزراعي والاروائي والقروض بالارتفاع والانخفاض الذي شهدته الموازنة العامة لاعتمادها الكلي على إيرادات النفط, وحصول تفاوت بالأموال المقررة والمصروفة للمحافظات ولصناديق الإقراض التخصصية لعدم وجود خطة ائتمانية , وقد أوصى الباحثان بضرورة حصر سياسة التمويل بالمصرف الزراعي التعاوني بعد إعادة هيكلته فضلا عن اعتماد خطة ائتمانية مدروسة تعتمد على إلاحصاءات الدقيقة عن واقع القطاع الزراعي وربط عملية الإقراض بالادخار