O FINANCIAMENTO DO AGRONEGÓCIO: AVALIAÇÃO COMPARATIVA ENTRE OS MODELOS DE CRÉDITO UTILIZADOS NO ESTADO DE GOIÁS

Abstract

The aim of this study are existing models of agribusiness financing, which are essential to enable agricultural production and financing of the sector with public and private resources. The official model comprises financial agents that offer credit lines according to the rules defined by the Banco Central Brasileiro. The business model that is expanding and already dominates the financing of agriculture in the Midwest Region, consists of freely signed contracts with conditions established between farmers and agribusinesses. The overall objective is to achieve a comprehensive and comparative assessment of these funding models, describing their modalities, pointing out the strengths, weaknesses and the best cost benefit existing amongst models. The method used was a combination of two types of research: bibliographical and field study. The problems addressed in the research are: the limitation and exhaustion of the traditional Brazilian rural credit model and the disproportionality in the distribution of SNCR resources. With a possible solution to the problem, we present the agribusiness credit titles that were created as of the year 2004, which composes the Private Credit Model. These are: CPR Rural Product Certificate, Agribusiness Credit Letter (LCA), Agribusiness Receivables Certificate (CRA), Agricultural Storage Knowledge (CDA), Agricultural Warrant (WA), Agribusiness Credit Certificate ) And the Agribusiness Trade Note (NCA). The result was to produce a broad material that demonstrates the problems and opportunities in the process of financing agribusiness in the State of Goiás.