Agency relationships in the Farm Credit System: the role of the farm credit banks

Article Abstract:

The agency concepts from modern business and finance theory are used to assess how the significant restructuring of the Farm Credit System has modified the role of farm credit banks in controlling the system's agency costs. The emergence of new risk control mechanisms, more stringent regulations, bigger scope and size of the lending associations and new capitalization arrangements have apparently altered the intermediation and service banks.

Regulation of agricultural marketing, Finance, United States. Farm Credit Banks, United States. Farm Credit System

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Consistency of credit evaluations at agricultural banks

Article Abstract:

The various models used by lenders in assessing the creditworthiness of agricultural borrowers are analyzed. The characteristics and performance of 87 credit scoring models are measured for consistency using using true product-moment and rank correlation techniques. The high disparity in the use, implementation and the design of lender credit scoring models indicate informational problems in this aspect of rural credit markets.

Research

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The competitive environment for agricultural bankers in the US

Article Abstract:

A survey of agricultural banks in the US revealed that long-term service from the same loan officer is the most important service a bank can offer to a customer. The availability of pre-set lines and fixed rate real estate loans which permit repayment sans penalty are the two next important services offered by banks to increase competitiveness in agricultural lending in the future.

All Other Nondepository Credit Intermediation, Misc. business credit institutions, Agricultural Credit Institutions, Analysis, Competition (Economics), Economic aspects

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