A RISK PROFILE OF LENDERS' FARM LOAN PORTFOLIOS

Stephen C. Gabriel, Richard N. Peterson, Vernon B. Starr
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Abstract

Farm lenders will face difficult credit problems into at least the intermediate future. As much as 25 to 40 percent of the outstanding debt held by banks and production credit associations was owed by farmers with debt/asset ratios of 60 percent or more on January 1, 1980, when farmland values were near peak levels. Although the Farmers Home Administration held the highest percent of farm loans owed by high leverage farmers, production credit associations, merchants, and commercial banks had a relatively large percentage of their farm loans directed at high leverage farmers. The Delta and Southeastern States had the highest percentage of farm debt owed by highly leveraged farmers. Given the general deterioration of farmland values in many regions of the country since 1980, the situation today is likely much worse, with the Delta and Southeastern States remaining in the most critical condition
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贷款人农业贷款组合的风险概况
至少在短期内,农业贷款机构将面临困难的信贷问题。1980年1月1日,当农田价值接近峰值时,银行和生产信贷协会持有的未偿债务中,有多达25%至40%是由债务/资产比率达到60%或更高的农民欠下的。尽管农民家庭管理局持有高杠杆农民所欠农业贷款的比例最高,但生产信贷协会、商人和商业银行的农业贷款中,高杠杆农民所占的比例相对较大。三角洲和东南部各州的高杠杆农民所欠的农业债务比例最高。鉴于1980年以来该国许多地区的农田价值普遍恶化,今天的情况可能更糟,三角洲和东南部各州仍处于最危急的状态
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