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The relationship between bankers and farmers: An analysis of Britain and Ireland
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UNSPECIFIED (1996) The relationship between bankers and farmers: An analysis of Britain and Ireland. JOURNAL OF RURAL STUDIES, 12 (4). pp. 427-437. ISSN 0743-0167
Full text not available from this repository.Abstract
The financial sector is playing a more central role in agriculture. This article analyzes the external provision of finance for farmers in Britain and the Irish Republic, drawing principally on interviews with bankers and specialist providers of agricultural finance. The development of farm credit institutions in the two countries and their subsequent commercialization is discussed. Agriculture is commercially attractive to lenders as part of a balanced portfolio because of its stable, low risk character. Credit selectivity is confirmed as a feature of lender behaviour, although its consequences are likely to be more far reaching in Ireland. Lenders' perceptions of the financial sophistication of farmers is assessed, the more financially sophisticated farmer being more receptive to the logic of the financial sector and hence a more attractive customer. An emphasis on tax avoidance can lead farmers into irrational borrowing decisions. Larger farmers are better placed to take advantage of lending opportunities and new financial instruments. Copyright (C) 1996 Elsevier Science Ltd
| Item Type: | Journal Article |
|---|---|
| Subjects: | H Social Sciences > HD Industries. Land use. Labor |
| Journal or Publication Title: | JOURNAL OF RURAL STUDIES |
| Publisher: | PERGAMON-ELSEVIER SCIENCE LTD |
| ISSN: | 0743-0167 |
| Date: | October 1996 |
| Volume: | 12 |
| Number: | 4 |
| Number of Pages: | 11 |
| Page Range: | pp. 427-437 |
| Publication Status: | Published |
| URI: | http://wrap.warwick.ac.uk/id/eprint/18092 |
Data sourced from Thomson Reuters' Web of Knowledge
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