PROCEDURE FOR REGISTRATION OF A PLEDGE FOR THE FUTURE HARVEST OF AGRICULTURAL CROPS (ANALYSIS OF THE COLLATERAL SECURITY, DETERMINATION OF THE POLLOGATE VALUE AND EXECUTION OF THE PLEDGE AGREEMENT FOR THE FUTURE HARVEST)

To analyze the collateral, the Borrower, along with the documents, submits to the Bank:

1. duly certified copies of documents confirming ownership of agricultural land, or lease agreement(s) confirming the right of ownership and use of agricultural land;

2. duly certified copies of documents confirming ownership of seed material and its quality: sales contracts, invoices, invoices, invoices, payment orders, acceptance certificates, etc., as well as certificates and/or seed quality certificates;

3. list of available ones storage facilities for storage of the subject of pledge (harvested crops) indicating the type of rights to them (ownership, lease, etc.) with the attachment of duly certified copies of the relevant agreements confirming ownership (lease, etc.), and/or concluded and planned storage agreements for agricultural products;

4. certificate from the agricultural producer about technical condition and the provision of own agricultural equipment and machine and tractor fleet (MTP), used to carry out agrotechnical activities for cultivating and harvesting crops, with a list of this equipment and MTP, or duly certified copies of concluded agreements between the agricultural producer and the organization carrying out harvesting, on harvesting from specific fields planned to be provided as collateral for the future harvest and transportation of this crop to storage sites;

5. transcripts to the presented balance sheets, reflecting the costs incurred by the Borrower (in terms of crops) for pre-sowing activities, as well as a list of fixed assets used by the Borrower in production;

6. reports on production and cost of crop products for the last 3 years, certified by the Department of Agriculture (Authorized Organization);

7. information on the harvest of agricultural crops from all lands for the last 3 years, certified by the Department of Agriculture (Authorized Organization);

8. yield forecast for a specific region for the period corresponding to the lending period, prepared by the Department of Agriculture (Authorized Organization);

9. the structure of the agricultural producer’s sown area for the current year, approved by the head of the farm and the chief agronomist (agronomist);

10. technological map for a specific crop with a list and timing of agrotechnical measures for cultivating the crop, approved by the head of the farm;

11. land management maps drawn up by an organization that has the appropriate license and agreed with the agricultural producer;

12. a plan of sown areas drawn up by an agricultural producer or an authorized organization and agreed with the Department of Agriculture, indicating the coordinates of the field(s) from which it is planned to harvest crops both for the purpose of collateral and for the purpose of forming a seed and/or forage fund;

13. calculation of the expected cost of production of agricultural crops, the future harvest of which is planned to be pledged to the Bank;

14. a document confirming the level of sales prices of agricultural crops, the future harvest of which is planned to be pledged to the Bank, in a given region for the last 3 years. The specified document can be drawn up by the Department of Agriculture (Authorized Organization), government agency by statistics or pricing regulator;

The list of documents specified in this paragraph may be supplemented taking into account the specifics of the credit transaction. The feasibility study must necessarily contain a calculation of the need for working capital ah (fuels and lubricants, fertilizers, plant protection products, spare parts and household equipment, etc.), as well as planned expenses for payment wages and taxes at each stage of the work on growing crops.

The quantitative composition of the future crop harvest (the volume of possible collateral) is determined on the basis of:

actual data on the yield (in offset weight) of agricultural crops grown by the Pledgor (Borrower) for the last 3 years;

yield forecast for a specific region for a period corresponding to the lending period prepared by the Department of Agriculture or an authorized organization;

data technological map for the cultivation of agricultural crops, presented by the Pledger (Borrower).

The amount of possible collateral for a specific field is determined as follows:

Vz = У* S*0.1, where

Vz - quantitative composition of the future crop yield (tonnes);

Y - the yield (in credit weight) of an agricultural crop corresponding to the minimum yield value for the last 3 years for a given Pledgor (Borrower). In this case, the yield used in the calculations should not exceed the average forecast yield for a given region (c/ha);

S is the total area of ​​a specific crop field (ha);

0.1 - conversion factor from centner to ton.

The determination of the collateral value of the future agricultural crop is carried out by the lending division of the Bank based on the quantitative composition (volume of possible collateral) and the expected cost of the future agricultural crop proposed for registration as collateral, using the discount multiplier Kz:

Sz = Vz * SSp* Kz, where

Sz is the collateral value of the future crop harvest (RUB);

Vz - volume of possible collateral (t);

SSp is the expected cost of the future crop harvest (RUB/ton). The expected cost of the future crop harvest should not exceed the sales price of a given crop in a given region over the past 3 years. If the expected cost of the future harvest exceeds the average selling prices for the last three years for a given crop in a given region, instead of the expected cost, it is taken to calculate the collateral value average price sales of products in the region.

Кz - discount factor.

The discount multiplier is set:

Not more than 0.7 - for borrowers who have a positive credit history with the Bank lasting more than 2 years, as well as positive experience in carrying out agricultural work related to obtaining crops, the future harvest of which is planned to be pledged to the Bank, lasting more than 5 years;

Not more than 0.6 - for borrowers who have a positive credit history with the Bank lasting up to 2 years, but not less than 1 year, as well as positive experience in carrying out agricultural work related to obtaining crops, the future harvest of which is planned to be pledged to the Bank , lasting up to 5 years, but not less than 3 years.

The Harvest Pledge Agreement must include the following provisions:

· when determining the subject of the pledge, all existing GOSTs (grade, class) for each type of agricultural product are indicated in order to minimize the risk of not receiving as collateral products that comply with the GOST (grade, class) not specified in the Harvest Pledge Agreement;

· as the harvest is harvested, as well as after it is placed in storage, the harvest in its natural form is pledged to the Bank. Every month, as agricultural products are collected and transferred for storage, as well as upon the sale of agricultural products pledged, the quantitative and/or qualitative characteristics of the pledged crop are clarified by drawing up the appropriate additional agreement(s) to the Agreement about the pledge of the harvest;

· in case of high quality and/or quantitative indicators the agricultural crop harvest collected by the Pledgor will be higher than those specified in the Harvest Pledge Agreement, the first crop in terms of harvest in the amount specified in the Harvest Pledge Agreement is considered to be accepted as collateral;

· in the event that the qualitative and/or quantitative indicators of the agricultural crop(s) collected by the Pledgor are lower than those specified in the Harvest Pledge Agreement, the actual harvested amount of the crop is considered accepted as collateral;

· in the case specified in the previous paragraph, in order to formalize collateral, the market value of which must cover the obligations of the Pledgor (Borrower) on the principal debt and fixed-term interest accrued during the period of using the loan, the Bank requires from the Pledgor (Borrower):

o register an additional amount of harvested agricultural crops as collateral or

o register other liquid property as collateral.

If the Pledgor fails to comply with the above requirements, the Bank has the right to demand from the Pledgor (Borrower) repayment of the debt in the amount of the excess of the Pledgor's obligations under the Loan Agreement over the amount of the issued security.

· in case of violations by the Pledgor of the terms of the Pledge Agreement, including failure by the Pledgor to comply with the necessary agrotechnical measures related to the application of fertilizers, care of crops, harvesting of products, as a result of which the quantity and/or quality of products specified in the Pledge Agreement may decrease, The Bank has the right to demand from the Borrower (Pledger) at its discretion:

* early fulfillment of all obligations under the Loan Agreement;

* payment of a fine in accordance with the terms of the Pledge Agreement;

* providing additional security for the obligations of the Pledgor under the Loan Agreement;

* replacement of the collateral.

Government House, Moscow

Opening speech by Dmitry Medvedev at a government meeting

Now the discussion of the budget will take place at the sites of the State Duma and the Federation Council. Our colleagues from parliament actively participated in the budget process even at the stage of the so-called zero reading. First of all, these are colleagues from the United Russia faction and some others. I also count on their support in further work on the budget in parliament, especially since this is always the result general work. It must be structured to solve the most important, truly priority tasks, balanced in terms of expenses and income, taking into account our real capabilities.

And of course, I would ask all members of the Government to be prepared for the most open and constructive interaction with State Duma and the Federation Council.

Once again, I draw attention to what I myself have repeatedly emphasized and what the President emphasized yesterday: the budget is the result of our collective work, discussions are over, there should be no departmental lobbying, everyone is working towards an agreed result.

By the way, one more thing: the Government will submit the budget in paper form for the last time - these are dozens of huge boxes. The next state budget will be digital.

Second. I would like to introduce the new president of the Russian Academy of Sciences, Alexander Mikhailovich Sergeev. Today Alexander Mikhailovich takes part in a Government meeting for the first time. The elections of the President of the Russian Academy of Sciences have taken place. I heartily congratulate you on your victory. I hope that you will make every effort to ensure that our science develops, and we, for our part, will provide you with full support.

I urge my Government colleagues to cooperate as closely as possible with the leadership of the Academy. Moreover, this applies not only to the Ministry of Education and Science, FANO and all those who, by the nature of their activities, must work with the Russian Academy of Sciences, but also to all other members of the Government.

Now a few words on the agenda. We will summarize the preliminary results of the harvest. We already . In general, the harvesting campaign is nearing completion. There are positive dynamics in almost all areas, and in some areas, in fact, a record has been set.

I mean the harvest of grains and legumes. According to the latest data, more than 122.5 million tons of grain have been threshed. The figure is not final, but it is already more than in 2016. According to forecasts, this figure may increase even more significantly.

In addition, we expect an increase in oilseeds, sugar beets and buckwheat. The yield per hectare is increasing, more vegetables are grown in open ground and in greenhouses. Self-sufficiency in fruits has reached 70%. Procurement of feed necessary for the development of Russian livestock farming is progressing successfully.

And all this despite the difficult weather conditions that have developed this summer. Let me remind you that farms and farmers in 16 regions suffered from emergency situations. There were, as usual, frosts, droughts, and floods. Damage to agricultural producers must be promptly compensated so that they can prepare for the new agricultural year in a timely manner.

I consider the results of the harvesting campaign in 2017 to be very successful. There is a return on the colossal funds we invest in agriculture. This year it is 242 billion rubles, which are allocated for the implementation of the state program for the development of agriculture and regulation of agricultural markets.

The topic of financing agriculture was also discussed at yesterday's meeting with the President. Based on its results, let me remind you, a decision was made not only to maintain, but also to increase support for agriculture by 20 billion rubles over the next three years.

In Adygea, we discussed the possibilities of support in some areas. This includes the production of agricultural machinery and subsidizing soft loans. I gave instructions to work on these issues.

But we need more than just good harvests. It is necessary to profitably sell the fruits of the harvest so that the profitability of agribusiness remains high and people are satisfied with the quality of the products, assortment, and price.

The market situation requires us to take active actions that will ensure stable demand both in the domestic market and in the execution of export contracts.

The first thing that needs to be done more actively is to develop a system for processing agricultural products, including deep processing of grain. This will reduce the losses of agricultural producers due to price fluctuations in the markets. It is still present one way or another.

Second. We are increasing export supplies. To achieve this, we are taking the necessary tariff regulation measures, building new terminals in ports, and creating new wholesale and logistics centers to reduce transportation losses.

In addition, it is necessary to regulate working conditions for agricultural processors across the markets of the countries of the Eurasian Union. Agribusiness must compete fairly here.

These and other issues are included in a large protocol instruction, which was prepared following the meeting in Adygea. The Minister of Agriculture and colleagues who are present here - the governors of the Bryansk and Saratov regions - will report in more detail about the campaign itself.

Today we will also look at changes to the 2017 budget law. They are prepared taking into account the results of execution federal budget for eight months, as well as on the basis of clarification of individual macroeconomic indicators. We see that in some areas things are going a little better than we expected when we approved the budget.

The changes that are being made, of course, do not fundamentally change the picture. The budget is generally balanced and takes into account the main obligations of the state. We are clarifying individual activities, some expenses within the framework of state programs, and some interbudgetary transfers. The revenue side of the budget increases by 41.5 billion rubles, expenditures - by 125.7 billion rubles. The deficit is estimated at approximately 2.2% of GDP.

Once the law is passed, it will be necessary to quickly release regulations so that these expenses, which can be additionally incurred, are made this year. Therefore, I ask the members of the Government who are responsible for this, and, naturally, the Government Staff to do all this as quickly as possible.

In addition, today we will consider a package of bills that are in conjunction with the budget package, create legal basis to balance the budget and off-budget funds. One of them clarifies the provisions of the Tax Code. In particular, it is planned to introduce an investment tax deduction on corporate income tax. Thanks to this tool, enterprises will be able to reduce costs associated with the acquisition or modernization of fixed assets. Regions will determine the conditions for applying the deduction - categories of taxpayers, fixed assets, and the taxpayer himself will be able to choose whether to use this new tool or use an existing depreciation mechanism.

In addition, a solution is proposed that will limit the growth of insurance premium payments to those who are engaged in private practice, work in a legal field and do not make payments to other persons.

Two more bills are aimed at maintaining the tariffs of insurance premiums for compulsory types of insurance for the main category, when these contributions are paid for the employee by the employer. Amendments have been made to the Tax Code, according to which the current insurance premium rates will remain in place until 2020. We are introducing similar amendments to the law “On Compulsory Pension Insurance”.

And we distribute transfers, as well as subsidies to the regions. About 10 billion is allocated for programs in the field of road infrastructure, for the repair and reconstruction of bridges, overpasses, and other road structures, as well as for the development of a network of regional, intermunicipal and municipal roads.

In addition, additional money is allocated to support agriculture. More than 2 billion rubles - for the creation of agricultural facilities and for the purchase of equipment. This year we have already allocated more than 10.5 billion rubles for these purposes.

Another subsidy goes to the implementation of a student health monitoring system in schools.

A. Tkachev: Today we are summing up the preliminary results of the harvesting campaign. This year, for the first time in 15 years, the entire cultivated area in Russia exceeded the level of 80 million hectares.

I would like to inform members of the Government that this year we have introduced about 520 thousand hectares of new land into agricultural production, that is, this is quite a serious success. This is the program, this task that both the President and you, Dmitry Anatolyevich, have set for us: 10 million hectares that are not in demand today must be introduced into agricultural production and, of course, additional grain and food must be obtained. In the future, we will increase the area of ​​cultivated agricultural land in accordance with instructions.

The Ministry of Agriculture was cautious in estimating the final gross harvest due to unfavorable weather conditions in a number of regions of Russia, but today 85% of the sown areas have already been harvested, and almost 122 million tons of bunker weight have been threshed. And we can say with confidence that a record harvest will be harvested, perhaps in the entire history of Russia - and, of course, the Soviet Union.

I would like to remind you that we had a similar harvest in 1978 - that’s 127 million, this year we will break this record, I have no doubt, but the area of ​​land under grain crops was 78 million hectares, and today it is 47 million.

D. Medvedev: Almost twice as much.

A. Tkachev: Yes. If we restore this area, we will receive an additional 100 million tons of grain. This is about the potential of the grain market. And in Adygea we talked about this with you, that by 2030 we can receive not 120, but 150 million tons of grain. This means that exports will not be 40–45, as they are today, but already over 70 million. It is clear that this is a very serious increase and, of course, an opportunity for additional income for both peasants and the state, including through exports. Such a harvest, of course, will fully meet the growing needs for food and feed grain in the domestic market, as well as ensure export supplies.

A good grain harvest is the basis for the development of domestic livestock farming. The intensive development of livestock farming stimulates a constant increase in the consumption of grains for feed, today it reaches 44 million tons. By 2020, we predict an increase to 46 million.

The dynamics of grain exports is also encouraging. To date, grain exports have exceeded last year's figures by a third: more than 10 million tons of grain have already been exported, including almost 8 million tons of wheat. Given a favorable situation on the world market, we plan to export almost 45 million tons, including 30 million tons of wheat. We expect that this year Russia will again become the world leader in wheat exports.

Dmitry Anatolyevich, we discussed measures to regulate the grain market in detail at a meeting in Adygea. I reported to you that in order to stimulate grain exports, the Ministry of Agriculture proposes to allocate 3 billion rubles to compensate for railway tariffs when transporting grain for export from regions with a large logistics leverage. This primarily concerns Siberia, the Urals, the Volga region, and the center of Russia. The corresponding draft government resolution has been prepared, we have already found funds, and it is being approved by the concerned authorities.

The current year will bring a record harvest not only of wheat, but also of other agricultural crops, including barley, corn, buckwheat, oilseeds, and sugar beets. A record sugar beet harvest will allow us to produce 6.5 million tons of sugar and maintain global leadership in this segment. In the 2016–2017 season, Russia took first place in the world in the production of beet sugar, ahead of countries such as France, the USA, and Germany. More recently, sugar factories lacked domestic raw materials and had to import imported raw sugar. Today we are fully provided with our raw materials and have increased our sugar exports tenfold. Last year it amounted to 340 thousand tons, this year the industry’s export potential is twice as high, up to 700 thousand tons.

Just a few days ago I visited Uzbekistan. We agreed to begin supplies of sugar to the republic. The President of the Republic supported our proposals and expressed confidence that supplies will be carried out on a long-term basis (this is about 500 thousand tons). Of course, this will increase the country’s margins and income from sugar exports.

Unfortunately, countries within the EurAsEC such as Belarus and Kazakhstan today are not acting like partners; they import raw sugar from Brazil, thereby lowering the price within our country. I really hope that we can convince our partners to act in concert with us and in the interests of the common market.

In agricultural enterprises and farms Vegetable harvesting is progressing at a faster pace than last year. More than 2 million tons have already been collected. Good dynamics for greenhouse vegetables (harvest growth by 21% compared to last year). We predict that due to the construction of new greenhouse complexes and the planting of new gardens, we will reach last year’s levels. For us, the strategic task today is the construction of vegetable and potato storages, fruit storages, this will allow us to keep the price quite stable throughout the year. This, of course, will also affect the stability of inflation, and, of course, it is profitable for agricultural producers to withhold the harvest and sell it at a time when this crop is in dire need on the market.

We have begun the autumn planting of orchards and vineyards. In the spring, agricultural producers planted 24% more new orchards and one and a half times more vineyards. By the end of the year, the area of ​​planting gardens will exceed 15 thousand hectares. At this rate, I assure you that within four to five years we will completely close the deficit in fruits, primarily apples and other crops. We plant 5 thousand vineyards a year, the same thing: three to five years - and we will have enough marketable grapes, and, of course, for the production of wine.

Next year, it is important to maintain the achieved pace of planting orchards in order to replace the import of the main fruits: apples, pears and grapes in five years. Already now, if we exclude all tropical fruits, self-sufficiency in fruits has reached 70%.

As for sowing winter crops, today we have already sown two-thirds of the area, more than 11 million hectares. In Siberia and the Urals, the sowing of winter crops has already been completed in September.

Agricultural producers are provided with all the necessary resources: seeds, plant protection products, fuel, fertilizers. The purchase of fertilizers is proceeding at a pace faster than last year, by 10%. The readiness of equipment on average in Russia is quite high, which will allow seasonal field work to be completed in the optimal time frame.

The priority task is to reverse the current negative trend so that the growing pace of acquisition of new agricultural machinery compensates for the retirement of old equipment. To do this, it is necessary to maintain the current measures of subsidizing agricultural machinery, they have proven their effectiveness.

The attracted soft loans have also become a serious help this year. I also reported on this at a meeting in Adygea. I won’t repeat myself, I just want to convey words of gratitude from the farmers. Today, the Government has created all the necessary conditions for the effective conduct of seasonal field work, and the expected record harvest is confirmation of my words.

A. Bogomaz: I can report with confidence that the harvesting of grain crops in the Bryansk region in terms of ripening dates has been completed. The region is starting to harvest corn for grain. This year, due to the introduction of land into agricultural rotation, we increased the area under grain groups, and I can say that we received, in our opinion, the desired, worthy result.

More than 1.1 million tons of grains and legumes have already been harvested in the region. The harvest of corn for grain is estimated at up to 800 thousand tons, and in general this year the grain harvest in the region will be about 2 million tons. The Bryansk region has never received such a harvest.

The dynamics of grain collection in the region looks like this. In the best Soviet years, gross grain production was about 800 thousand tons; in 2006, the Bryansk region collected only 323 thousand tons of grain. It was no coincidence that I brought up this year. It was in 2006 that it was adopted the federal law"On the development of agriculture." Such a state support measure, your personal participation, dear Dmitry Anatolyevich, in the implementation of priority national project“Development of the agro-industrial complex” brought the agricultural sector of our country’s economy to a new level, and until recently our region was called a zone of risky farming. Thus, in 2013, 735 thousand tons of grain were harvested in the region, in 2015 our grain growers threshed more than 1 million tons of grain, in 2016, after ten years of the agricultural development program, a record amount of grain was harvested in the region - 1.531 million t. An increase by 2006 - almost six times, by 2013 - two times. At the same time, not only the gross harvest has changed, but the yield has also increased. Today, agricultural enterprises that use the most advanced technologies receive 100 centners - and in some fields, more - of grain per hectare.

The production of “second bread” has again become business card our region. The potato harvest has doubled since 2013, and the volume of industrial production of Bryansk potatoes today accounts for 13% of the total volume produced in Russia.

The share of agricultural products in the domestic regional product increased from 7 to 15.4%. The increase in agricultural production at the end of 2017 compared to the level of 2014 will be more than 30%.

Today, the regional agricultural development strategy includes more than 20 investment projects. Investments in fixed capital in 2016 amounted to 27.2 billion rubles. This is 11.3 billion rubles more than in 2015. In recent years, about 100 thousand hectares of arable land have been put into circulation, which was overgrown with forest. Our plans for the future are to produce 3 million tons of grain by 2020.

I can assure you that the Bryansk region is capable of collecting, storing and selling the declared volume of grain. The region's needs for feed grain are completely covered today, but for grain High Quality it will be necessary to find new markets. For example, today we already export potato flakes and supply these products to countries near and far abroad. Chip potato varieties are also exported to Belarus, which has always been famous for its potatoes.

Vegetable production in the region has reached a new level. For example, the carrot yield is up to 1 thousand centners per hectare. The plans include the construction of a plant for its processing.

V. Radaev: Dear Dmitry Anatolyevich! Dear Colleagues!

In the region, grain crops are threshed on 93% of the area - which is 2.104 million hectares - with an average yield of 26.6 centners. These are the highest figures in the entire history of the Saratov region. More than 5.610 million tons of grain have been collected, including 4.212 million tons of wheat. About 180 thousand hectares of late grain grains remain to be harvested.

Our forecast for the gross grain harvest is 6 million tons. This is a record for the last 20 years.

We have begun harvesting the main oilseed crop, sunflower, on a sown area of ​​more than 1.1 million hectares. To date, 100 thousand hectares have been harvested. Collection – 100 thousand tons. We plan to collect (forecast) more than 1 million tons of sunflower seeds.

Sugar beets were harvested 35% of the plan - 125 thousand tons. Vegetable crops were harvested on 68% of the area. With an average yield of 191 centners per hectare, 234 thousand tons were harvested. Another 5.8 thousand tons of late vegetable crops remain to be harvested.

The feed has been prepared in full. We enter winter with a year and a half supply of roughage. Silage preparation is underway - more than 127 thousand tons have been prepared. We are planning 240 thousand.

Grain fodder is provided - 116% of the requirement. At agricultural enterprises and peasant (farm) farms, 17 centners of feed units have been prepared for one conventional head of roughage and succulent feed.

Already laid today good basis future harvest. The area under winter crops - more than 1.04 million hectares have already been sown, of which 957 thousand hectares are winter wheat. The condition of winter crops is good. 1.795 million hectares of plowed land have been plowed. We will complete the main tillage by October 15th. 92% of the need has been filled with spring crop seeds, part-time work is underway, of which 1.5 thousand are elite. There are no problems here.

There are no problems with diesel fuel. Weather conditions allow all field work to be carried out in a comprehensive manner. We can say with confidence that all the tasks of the current agricultural year will be completed.

D. Medvedev: There was a main report and speeches by governors on the current situation. What to hide, she is very favorable. The only thing I would notice is that we are constantly pushing forward on exports, and in general, we are doing the right thing. Alexander Nikolaevich (Tkachev) said that we now have an export potential of 30–40 million tons, and it could be 70. This is all true, and this is important, because exports are foreign exchange earnings, this is our positioning in the world.

But there is still a factor of domestic consumption and processing: the larger our harvests, the easier it will be for us to manage the food supply. And we face challenges not only in the field of agriculture, not only in the field of crop production, but also in the field of livestock breeding, so here we must seek a balance between our export potential and grain consumption on the domestic market, even in the presence of such very significant harvests. Not just very significant, they actually exceed in volume everything that was before on the territory of our country, Russian Federation, and in the Soviet period.

Are there any thoughts on current affairs, on the program, on financing, perhaps?

Everyone heard everything about financing yesterday. So, naturally, I would ask you to take this into account. And what I said today too.

Briefing by Alexander Tkachev at the end of the Government meeting

From the transcript:

Question: Alexander Nikolaevich, you said at the Government meeting that we will have a record grain harvest, and in connection with this the question is: won’t this become an even greater burden on the domestic market? You have already said that several million tons need to be withdrawn. Within the framework of the ideas that you put forward regarding subsidizing transportation... Where to go? What are we going to do about it?

A. Tkachev: Today, the Prime Minister noted that the record harvest is another victory for Russian agricultural producers. We will indeed be the first in wheat exports this year. And in terms of volume, we are among the top three countries.

On the other hand, we, of course, must think about ensuring that the price is fair for the peasants, so that they cover their costs, investments in grain production, and there is still a little profitability - at least 10-20%. This is normal, this is how it should be.

Taking into account the distances of our country and the volume of grain, it is very important to maintain a stable price in all territories - both in the center and in remote regions. And the new tool that we are using today is subsidies, this is practically zeroing out the railway tariff for transporting grain from the Volga region, from the Urals, from Siberia, from the center, primarily to the ports of southern Russia. In order for this particular grain (this, by the way, has never happened) to also be exported. By the way, we removed surplus grain (we roughly predict about 3 million tons) so that the internal price on the market would be fairly normal and effective. We will be making these interventions starting in October; I really hope they will largely stabilize the market. Not only in the center, but also in remote, as I already said, regions...

Question: Do you mean transportation?

A. Tkachev: Yes, transportation. That is, by doing so, we simply take the surplus grain that exists on the market today not only in the south, as was traditionally the case, but also from Siberia, the Urals, and the central regions. They never counted on exporting grain. Never, I want to emphasize. As a rule, on the domestic market in these regions the price was always lowered by a ruble or two, of course, this made grain production not very efficient and unprofitable in these territories. And this is no less than 70 percent of the volume of grain that is produced in territories remote from the center, from ports, from southern ports, and not only. Therefore, of course, this measure will allow, on the one hand, to remove surpluses, and secondly, to increase exports, to provide an opportunity throughout Russia, in all constituent entities of the Russian Federation, to earn decent money.

Question: Alexander Nikolaevich, how do you assess exports at the end of the year – both grain and food exports in general?

A. Tkachev: Grain exports will increase this year. We predict about 43–45 million tons. Of this, our forecast for wheat is 30 million – this is also a significant increase, up to 20% compared to last year. Well, in financial terms, this figure could even reach $20 billion. I would like to remind you that last year it was 17 billion. That is, this is a significant increase. And of course, this speaks about our export potential - it’s not only grain, it’s also meat, vegetable oil, sugar, and so on. We are reaching serious milestones and occupying a very large market share in export products around the world.

Question: Question about records. We set a record not only for grain. What other cultures? What will be the harvest of vegetables and fruits?

A. Tkachev: Firstly, for sugar: 52 million tons of beets is a record. And today we have surpassed America, France and Canada in terms of beet sugar production. That is, we are number one in sugar. This is also our serious achievement, we must reckon with it and talk about it.

In vegetables, we remained approximately at the level of last year. We have grown in the production of sunflower and vegetable oil. We have made progress in buckwheat, corn, barley and so on. Therefore, the year was quite successful. And it is very important that the peasants now sell these products profitably for themselves, restore their costs and investments, and, of course, earn a little money from this.

Question: Will agricultural producers who suffered from weather conditions be compensated for damage?

A. Tkachev: Yes, of course, we are monitoring this situation. Unfortunately, the year was quite difficult. A state of emergency was declared in 16 territories of our country. The total area of ​​death was about 200 thousand hectares. The approximate amount of compensation that we are providing for this year is about 2 billion rubles. I really hope that we will be able to pay this money to the regions in a timely manner so that they can further develop and compensate for their losses.

Russia will harvest a record grain harvest this year, Minister of Agriculture Alexander Tkachev said with confidence at a government meeting. The harvest, he said, will exceed the historical record of 1978, when 127 million tons were harvested. It's about Dmitry Rylko, general director of the Institute for Agricultural Market Studies, recalls that grain collection is only in the RSFSR. In the USSR as a whole, according to Goskomstat data, the grain harvest that year exceeded 238 million tons.

All summer, the Ministry of Agriculture was cautious in its estimates due to unfavorable weather conditions in some regions, sticking to the forecast of 110 million tons. Only last week, the Russian agricultural department increased its estimates to 116-117 million tons, although analysts have been waiting for a new record for several months. The latest, September, estimate of Sovecon is 133 million tons of grain, of which 81.1 million tons of wheat, while Prozern has 132.2 million and 80.3 million tons, respectively. The US Department of Agriculture (USDA), whose analytical service is considered one of the most authoritative in the world, in September raised its forecast for Russia by 5.3 million tons to 125.3 million, of which 81 million tons will be wheat, and this does not include data in Crimea and grain legumes.

As of September 27, according to operational data from the Ministry of Agriculture, 122.5 million tons of grains and legumes were harvested from 40.1 million hectares (85.1% of all harvested areas), which is 11.6% more year-on-year. The yield is also higher this year – 30.6 c/ha versus 26.2 c/ha a year earlier.

Expectations that Russia could once again reap a high harvest began in the winter, recalls Sovecon director Andrei Sizov: agricultural producers expanded the acreage under winter crops, and the winter again turned out to be quite mild. Subsequently, expectations were confirmed due to favorable weather conditions in spring and summer in the European part of Russia, there was enough precipitation to provide plants with moisture, the expert explains.

According to operational data from the Federal customs service In Russia, as of September 20, 2017, in the 2017/2018 (lasting from July to June) agricultural year, 10.5 million tons of grain crops were exported, which is 34% higher than in the same period last season. Exports are growing for all major crops: wheat - by 21.9% to 8 million tons, barley - by 60% to 1.8 million tons, corn - by 4.7 times to 635,000 tons.

Exports are indeed progressing at a good pace, Sizov confirms: the situation for exporters is favorable - prices on the domestic market have been declining for several weeks in a row, while export prices, on the contrary, have been growing. So, at the end of August, on a FOB basis, wheat cost $180, and contracts for October are already concluded at $193. Traders are now actively concluding contracts, which will support high export rates at least in the coming months, Sizov believes and is confirmed by the top manager of a large exporting company. The ratio of domestic and export prices ensures good profitability at $3-5 per ton of wheat, the latter adds, so sales are proceeding at a high pace. In this regard, the Ministry of Agriculture promises record exports: 45 million tons “given a favorable situation on the world market,” Tkachev noted.

AGREEMENT No. ________

pledge of grain for the future harvest

__________ "___" _______ 2002

We, the undersigned:

1) LLP "Agro- Star» , hereinafter referred to as "Pledgee", -on acting on the basis of the Charter, on the one hand,

2) _________________________________, hereinafter referred to as "Pledger", represented by _____________________________________________________, acting on the basis of __________________________________, on the other side,

collectively referred to as "Parties", and separately as indicated above or "Side", have entered into this Agreement as follows:

Article 1. SUBJECT OF THE AGREEMENT

1.1. To ensure proper fulfillment by the Pledgor of obligations under Agreement No. _______ dated "___" ________ 2002 (hereinafter referred to as "Agreement"), concluded between the Pledgee and the Pledgor, in accordance with which the Pledgor undertook to make a payment in favor of the Pledgee by "___" _________ 2002 in an amount sufficient for the Pledgee to fulfill the obligation to pay the foreign company "_______________" ___________ US dollars, which is the cost of the drugs plant protection supplied foreign company“______________” To the Pledgor, the Pledgor pledges to the Pledgee all the grain of the 2002 harvest that will be grown by the Pledgor, hereinafter "The subject of the pledge."

After the harvest, the Pledged Item will be transferred by the Pledger for storage to _____________________________________________________ located at the address: ________________________________________________________________________________.

1.2. The receipt of the Pledged Subject into the ownership of the Pledgor in the future is confirmed by the following documents:

_____________________________________________________________________________

_____________________________________________________________________________

_____________________________________________________________________________

_____________________________________________________________________________

The listed documents are transferred to the Pledgee until the Pledgor fully fulfills all of its obligations under the Agreement and this Agreement.

1.3. The pledgor declares that the expected harvest should be at least _______________________ tons. The estimated value of the Pledged Subject is determined by the Parties in the amount of: ____________ (_________________________________) tenge.

1.4. The use of the Pledged Item by the Pledgor is not permitted without the written consent of the Pledgee.

Article 2. RIGHTS AND OBLIGATIONS OF THE PARTIES

2.1. The pledgee has the right:

a) at any time, at his own discretion, take the Pledged Item into his possession (as a pledge to his storage/warehouse/elevator), or leave the Pledged Item with the Pledger under his lock and seal, or suspend the Pledgor’s operations with the Pledged Item by placing a pledge on the Pledged Item their signs and seals (seals);

b) at any time, at its own discretion and at the expense of the Pledgor, to harvest the grain that is the Subject of the Pledge directly from the fields;

c) require the Pledgor to take measures necessary to preserve the Pledged Subject;

d) demand from any person to stop encroaching on the Pledged Subject, threatening its loss or damage;

e) if there is a danger of damage (destruction) of the Pledged Subject - demand from the Pledgor immediate (including early) fulfillment of all obligations under the Agreement or restoration (replacement) of the Pledged Subject in the event of its damage (destruction);

f) satisfy your claims under the Agreement from the cost of the Pledged Subject through its independent, extrajudicial sale in the event of a violation by the Pledgor of any of the obligations under the Agreement, with reimbursement at the expense of the Pledgor of all expenses incurred in connection with this;

5.2. This Agreement terminates upon fulfillment of all obligations under the Agreement.

Article 6. ADDITIONAL CONDITIONS

6.1. All changes and/or additions to this Agreement are valid only if they are made in writing and signed by authorized representatives of the Parties.

6.2. Unilateral refusal to execute this Agreement and unilateral changes and/or additions to this Agreement are not permitted.

6.3. This Agreement is subject to state registration in accordance with current legislation Republic of Kazakhstan.

6.4. Unsettled disputes are referred to the judiciary at the location of the Pledgee.

6.5. The costs of concluding, processing and registering this Agreement are borne by the Pledgor.

6.6. In all other respects that are not expressly provided for in this Agreement, the Parties are guided by the current legislation of the Republic of Kazakhstan.

6.7. This Agreement is signed in 3 copies, each having the same legal force, one for each Party and one for the registering authority.

Article 7. GUARANTEES AND REPRESENTATIONS

7.1. The Pledgor guarantees that the Pledged Subject is free from any claims from third parties, is not under lease, arrest or other collateral or encumbrance and undertakes to immediately notify the Pledgee of the occurrence of such claims.

7.2. The Pledgor guarantees and declares that he has all the necessary rights to dispose of the Pledged Subject without any restrictions and the legal capacity to enter into this Agreement.

7.3. The Pledgor guarantees and declares that at the time of signing this Agreement he is not involved in legal proceedings as a defendant (co-defendant).

LEGAL ADDRESSES,

BANK DETAILS AND SIGNATURES OF THE PARTIES

MORTGAGE HOLDER: LLPAgro- Star», /5, RNN, settlement account. in, Almaty, MFO corr./account. .

PLEDGER: _________________________________________________________________ _______________________________________________________________________________

_____________________________________________________________________________

from the MORTGAGEE: from the PLEDGETOR:

____________________ __________________

Agricultural loans in the context of import substitution are increasingly in demand by farmers and are increasingly reluctant to be issued by banks. Only thanks to subsidies from the state is it possible to maintain both the volume of lending and its quality. Borrowers for this type of solution can be both individuals and legal entities, however, in general, the lines of most banks are focused on small and medium-sized businesses. What are the advantages of a specialized loan for farmers? Possibility of long repayment period, low interest rate and many collateral options.

Rosselkhozbank

Rosselkhozbank, created specifically to serve the agro-industrial complex, demonstrates the greatest attention to the needs of farmers. Among the products offered, specialized programs for the agro-industrial complex (Agro-Industrial Complex) occupy a special position. This includes loans:

• without collateral,
• to replenish working capital,
• investment.

Moreover, these lines of banking products are designed not only to support producers of grain crops and livestock that are traditional for the usual raising, but also for owners of fish farms, for those who need an office for agricultural needs and for other atypical areas. offbank.ru

For example, a product for mariculture enterprises (marine culture - breeding fish, shellfish, crustaceans, etc.) implies long-term lending for construction and reconstruction, updating the technical component, purchasing equipment and transport, or short-term loans to maintain seasonal and permanent job enterprises.

Suggested terms: less than a year and up to eight years, depending on goals. Payments can be monthly or quarterly. The amount is determined by the bank; the collateral is a pledge of any liquid property, guarantees from the Moscow Region and federal subjects, as well as other things. Collateral insurance is required. The loan for fish farms fully complies with its terms and conditions.

On similar terms, Rosselkhozbank lends not only to farmers, but also to those who process their products and turn them into food.

Special products for farmers

Rosselkhozbank also has such highly specialized products as loans for the purpose of purchasing grain from the federal intervention fund on the stock exchange or outside it. The amount is calculated from the contract, the period is less than a year, the security can be anything, including purchased grain. Among the difficulties, one can note the supplemented list of documents from the borrower, which should even contain original receipts for grain.

Or you can, with the help of a bank, buy land for agriculture, mortgaging the plot itself. This product is available to organizations and entrepreneurs only. Terms - from three to eight years, there is a grace period. The amount is determined by the bank, and the borrower must contribute at least some part of the cost of the plot from his own funds. Among the restrictions: a plot of land only for agricultural purposes, only for potential owners, without encumbrances and without restrictions on circulation.

The bank didn’t forget about livestock breeders - at Rosselkhoz you can get money to buy young animals using their collateral. With its help you can buy literally any official suppliers. If young animals are purchased without a breeding certificate (not for breeding), then only from domestic breeders. Term up to five years, grace period up to two years, different payment schedules. The loan amount is limited to 80% of the transaction amount.

Seasonal loans

An additional highly specialized line of Rosselkhozbank is aimed at helping farmers during seasonal work. These are loans for crop growers, livestock breeders, those involved in processing, as well as for all agricultural workers for their purposes, secured by the harvest. Among them there are also universal loans for micro-businesses operating in this area. All products are united by the fact that they are issued not only directly for the purchase and implementation of work, but also for those expenses without which the work of farmers is impossible - for example, for fuels and lubricants.

Clients for them are organizations and peasant farms (peasant farms), terms - up to a year, any liquid property that the bank will arrange, as well as sureties and guarantees can act as collateral. Amounts and rates are offered by the bank individually for each borrower, depending on the current situation.

Pledge

As collateral, Rosselkhozbank is ready to accept: new agricultural machinery and auxiliary devices, transport, equipment for logging, road construction, utilities, agricultural equipment for milking, storing vegetables, power plants, woodworking machines, elevators, installations, incubators, batteries, mechanical and piping systems , refrigerators and repair equipment. Moreover, they are considered new until two years of operation. All other vehicles and equipment can be provided as collateral if no more than 4 years have passed since their acquisition. In this case, insurance is a mandatory step, but using the equipment as collateral, you can get funds for almost any need. offbank.ru

Sberbank

Another bank that pays great attention to lending to the agricultural sector is Sberbank. He has several programs designed specifically to help farmers. For example, leasing of special equipment is a separate issue - in a subsidiary of Sberbank, which deals only with leasing, you can successfully obtain almost any necessary agricultural equipment and necessary transport.

The program is designed for a wide range of clients - from peasant farms (see above) to medium-sized businesses. To conclude a leasing agreement, you need to deposit at least a quarter of the cost. An agreement can be concluded for an amount of up to 24 million and for a period of up to three years. The payment schedule is left to the client’s choice; you can choose the balance holder. And only insurance remains invariably mandatory. Given that a minimum package of documents is required to use this loan, it becomes clear why many clients choose Sberbank and not Rosselkhoz.

Credits for apk

Sberbank also provides loans secured by the future harvest, for the purchase of animals and for current needs. For example, project financing is available for up to ten years with extension and retention of the rate, and if the state subsidizes part of the rate, the terms can be extended up to 15 years. The owner contributes at least 20% of the contract value.

What are the features? Collateral is required, insurance is required, despite clearly defined boundaries, the final word on the terms still remains with the bank. Without government support, when selling a business, before investing your money, financing is not provided, there is no delay in registering a pledge.

Loans for livestock farmers

Sberbank issues loans only for the purchase of livestock for the purpose of breeding it. The terms range from 5 to 10 years, depending on the type of animal. The purchased animals serve as collateral. The borrower's share in the transaction must be at least 20%, there is a grace period and the possibility of concluding an export contract. Another interesting and important feature- you cannot finance a transaction for the purchase of twice as many heads of livestock as the borrower already has in the main herd. Conditions are valid only for residents with ready-made business plan, a draft agreement, with an experienced specialist in purchased animals on staff, feed and premises available.

Pledge of the future harvest

The costs of sowing and seasonal work can also be financed by Sberbank. The product is provided only to average and above big business engaged mainly in crop production. The client must have experience in agriculture, have land and equipment, have made a profit for the last three years and have been a client of the bank for six months already. The client can be given a loan for a year and a half inclusive if he provides a guarantee, property and future harvest as collateral. But the borrower's share may be zero. You can get a loan at any time, and loan repayment is possible immediately after harvesting. offbank.ru

Other banks

Other credit organizations, apparently, are not so focused on agriculture, so you can simply take out a loan from them for business development, special leasing or a business mortgage without being tied to the agro-industrial complex and government subsidies. The rate is more expensive, but the amounts and interest are immediately visible.

For example, VTB offers to take out a targeted loan for the development of any area of ​​the client’s business, secured by special equipment or transport, if they were purchased from the bank’s partners. Rate from 14.5%, amount from 850 thousand rubles, term up to five years inclusive. An advance of a quarter of the amount, but a commission is charged for processing the loan. Such financing can be issued either as a credit line or as a one-time loan.

A business mortgage from VTB may be useful to those farmers who need their own office. At the same rate, the amount starts from four million and the term reaches 10 years. If there is still a deposit, then no advance will be required. The bank also offers to buy equipment put up for sale from it - on credit, of course. There are no commissions, the amount is up to 150 million for a maximum of ten years.offbank_ru

Another good loan without mentioning that it is agricultural is an investment loan. At the same rate, you can invest long-term in equipment, construction and expansion of your business. The previous rate and long term are well suited for agricultural producers to purchase equipment. There are other banks with products specifically for the agricultural sector or with similar conditions, but for a wide range of business activities, so you can choose. By the way, it is better for individual entrepreneurs and peasant farms to pay attention to special programs for the development of personal subsidiary farming.