Bank lending to the agricultural sector of the economy as one of the factors of economic sustainability

. Domestic practice and foreign experience indicate that the finances of agricultural enterprises differ in certain specificities and require constant attraction of borrowed capital. The use of borrowed capital makes it possible to significantly expand the volume of economic activities of an enterprise, to ensure a more efficient use of its own funds, and to accelerate the renewal of fixed assets. In this regard, the attraction and use of borrowed financial resources is the most important aspect of the financial activities of the enterprise, aimed at achieving high final results of management.The purpose of the paper is to study the features and state of bank lending to the agricultural sector of the Ukrainian economy and the prospects for its further development.Results. The situation on the market of bank lending to agricultural enterprises is analyzed. The main factors of demand for credit resources on the part of agricultural enterprises are revealed. The volume of the credit services market formed by banks and non-bank financial institutions has been analyzed. It was found that bank lending tends to decline, which determines the development of non-bank forms of lending. The ratio of the levels of profitability and average annual interest rates on loans received by agricultural enterprises is considered and it is proved that efficiency indicators are not related to the level of interest rates on loans and this does not stimulate agricultural producers to increase their profitability.Conclusion. In the system of state support for the economy of agricultural producers, it is necessary to form a credit mechanism adequate to the current conditions, in which it is advisable to coordinate all levels of support with various instruments of a legal and economic nature.