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Original research
DIGITAL TECHNOLOGIES IN AGRICULTURAL CREDITINGPages 23-28
Abstract
This article examines how the introduction of digital technologies creates new opportunities in agricultural lending, increasing the availability of finan-cial resources and optimizing risk assessment. The use of mobile platforms, blockchain, big data analysis and artificial intelligence allows farmers to quickly apply for loans, and banks to make more informed decisions. An important role is played by government support programs aimed at the digi-talization of agriculture and the provision of subsidies to ensure favorable financing conditions for small and medium-sized farms. The importance of Big Data and machine learning is separately noted, which make it possible to take into account numerous factors, from weather conditions to price dy-namics in global commodity markets, in order to form accurate scoring mod-els. In conclusion, it is concluded that the development of digital tools in ag-ricultural lending contributes to the accelerated growth of the industry, in-creased financial literacy and a more even distribution of investment flows, forming the long-term potential for food security. At the same time, the digi-tal revolution not only accelerates the process of issuing loans, but also pro-motes closer cooperation between the state, banks and farmers, aimed at im-proving the methods of actually ensuring food stability and sustainability at the global level.
Keywords: agricultural lending, credit market, banks, innovative technologies, digitaliza-tion, sustainability.
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Elvira Satylganova, 
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