Platform and ecosystem models for implementing credit relations in the agricultural sector

Abstract

The article examines existing and prospective models of credit relations in the agro-industrial complex within the framework of financial platforms and non-financial ecosystems. These models are based on fintech innovations. This type of innovation changes models by involving new types of intermediaries in the intermediation of financial and information flows between the lender and the borrower. The following models of corporate credit functioning within the framework of digital platforms and ecosystems are identified: 1) financial information aggregators that accumulate and transfer client traffic for bank lead generation; 2) financial platforms that translate the transactional model of financial marketplaces to the corporate sector; 3) financial marketplaces based on distributed ledger technology (DLT) within the framework of a centralized or decentralized financial model; 4) an infrastructural industry ecosystem that ensures the integration of credit into industry value chains in the agro-industrial complex.