The study aimed to assess the impact of banking and insurance services on the financial security of agricultural enterprises in Ukraine. During the research, the methods of comparative analysis and SWOT analysis were used. The mechanisms of financing the agricultural sector, including credit programmes and insurance services, were analysed. The study determined that PrivatBank’s loan programme “Agraseason” allowed farmers to receive from 200 thousand to 5 million UAH at 5% per annum, while Oschadbank provided loans to small and medium-sized enterprises in the amount of up to 12.5 million UAH secured by a guarantee from the Partial Loan Guarantee Fund. The government programme “Affordable Loans 5-7-9%” helped finance the agricultural sector by more than 50 billion UAH, which significantly reduced the financial risks of enterprises. The survey results showed that bank loans are a key source of financing for agricultural enterprises, but the high cost of credit and difficulty in accessing it for small farms remained major problems. Insurance services provided additional protection against risks, including weather-related disasters, but the low level of agricultural insurance development and limited government support reduced the effectiveness of this mechanism. The study determined that insurance subsidies contributed to the financial security of enterprises, but the coverage of the programme remained insufficient. The study analysed the international experience of the financial security of farmers, in particular that of Canada, and developed recommendations for Ukraine to improve insurance, income compensation, financing and cybersecurity programmes to enhance the stability of the agricultural sector. The findings confirmed the need to expand access to financial resources for the agricultural sector by improving lending mechanisms, stimulating the development of agricultural insurance, and increasing government support. Optimisation of these instruments will help to reduce the financial risks of enterprises and ensure their resilience in the face of economic instability
agriculture; credit programmes; management; solvency; economic crises