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Federal intervention in credit and financial markets serving agriculture and rural America is both
substantial and multifaceted. How Federal credit and monetary policy, as well as the operations
of financial assistance programs and government-sponsored enterprises, affect the cost and
availability of credit is a major concern.
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- offer an indepth discussion synthesizing ERS research
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Credit in Rural America
Based on an extensive examination of available data on agricultural, housing, small
business, and community development loans, lenders, and programs, this report concludes that
rural financial markets work reasonably well in serving the financial needs of the rural economy.
While localized financial market problems exist in some rural communities, and not all segments
of the rural economy are equally well served, financial market failures are neither endemic to nor
epidemic in rural America.
web administration: webadmin@ers.usda.gov
updated: November 21, 2000
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