Acceso usuarios
Se analiza el mercado financiero agropecuario de Uruguay con el objetivo de con- tribuir a mejorar las políticas e instituciones responsables de su desarrollo eficiente. Se concluye que la oferta de financiamiento de largo plazo es escasa a pesar de la creciente utilización de fideicomisos financieros, que se requiere un mejor aprovechamiento del valor de la tierra como colateral, políticas públicas que faciliten estructuraciones financieras innovadoras homogéneas, replicables y fácilmente adoptables, y un relacionamiento financiero más profundo con la fase industrial. Asimismo, la cobertura de riesgos agro- pecuarios se ha desarrollado con éxito, pero es aún un desafío en la ganadería.
This study on rural financial development in Uruguay focusses on the innovations introduced over the past fifteen years concerning financial instruments, institutions and supporting public policies. It describes their evolution, analyze their roles, identifies challenges to overcome, and suggests directions to address them. In summary, it portrays updated information on rural financial development in Uruguay and produces analysis useful to improve it.
It first reviews the main features of the macrofinancial context in which rural finan- cing is inserted and the evolution of traditional bank credit for the sector. Against this background, it then analyzes the use of multiple innovative, non-traditional credit and insurance mechanisms that have sprung up. Finally, it reviews some key public policies that have facilitated these innovations and concludes with policy suggestions to overcome existing challenges.
