農業金融の世界市場：2025年～2032年

世界の農業金融の市場規模は2024年に1,832億1,000万米ドルに達し、2032年には2,569億7,000万米ドルに達すると予測され、予測期間の2025年～2032年のCAGRは4.32%となる見込みです。

世界の農業金融市場は、農業生産性と食料安全保障を支える重要な要素です。2023年、世界の農業への公的支出は過去最高の7,010億米ドルに達し、農業セクターへのコミットメントの高まりを反映しています。この投資を主導したのはアジアで、政府支出の4.6%を農業に割り当て、中央アジアと南アジアがその増加を牽引しました。特筆すべきは、ブータン、マリ、インドといった国々が予算のかなりの部分を農業に充てていることで、経済における農業部門の重要性が浮き彫りになっています。

こうした投資にもかかわらず、課題はまだ残っています。世界の信用供与に占める農業の割合は、2014年の2.62%から2023年には2.30%に低下しており、農業の信用供与の伸びが他のセクターに追いついていないことを示しています。しかし、絶対ベースでは、農業信用はこの期間に28%増加し、9,520億米ドルから1兆2,150億米ドルに増加しました。農業信用供給におけるアジアの優位性は拡大し、そのシェアは中国やインドなどの国々の大幅な成長に牽引され、44%から55%に増加しました。

気候変動に強い農業金融ソリューションの拡大が、農業金融市場を大きく牽引しています。米国では、バイデン-ハリス政権が、農地における気候変動に配慮した農法に30億米ドルという前例のない予算を割り当て、環境品質インセンティブプログラム（EQIP）や保全スチュワードシッププログラム（CSP）といったプログラムへの支援を強化しました。

同様に世界銀行は、2030年までに年間農業金融額を2倍の90億米ドルに増やすことを約束し、食糧生産、水不足、インフラなどの課題に取り組むことで、農業における気候変動への耐性を強化することを目指しています。このような大規模な投資は、気候変動への適応と緩和戦略を農業金融に統合し、気候変動に直面する農業システムの持続可能性と生産性を確保する方向への世界のシフトを反映しています。

農産物価格のボラティリティの高さは、ローン返済のリスクを増大させ、農業金融市場を制約しています。2023年、米国農務省は、農作物や家畜の価格変動により米国の農業所得が25.4%減の1,369億米ドルになると予測し、農家の債務返済能力に影響を及ぼすと報告しました。同様に、欧州委員会は、2023年に小麦とトウモロコシの価格が30％以上下落し、農家の財政が逼迫し、農業ローンの債務不履行リスクが高まると指摘しています。

当レポートでは、世界の農業金融市場について調査し、市場の概要とともに、タイプ別、農場規模別、流通チャネル別、地域別動向、競合情勢、および市場に参入する企業のプロファイルなどを提供しています。

目次

第1章 調査手法と範囲

第2章 定義と概要

第3章 エグゼクティブサマリー

第4章 市場力学

• 影響要因
  • 促進要因
  • 抑制要因
  • 機会
  • 影響分析

第5章 業界分析

• ポーターのファイブフォース分析
• サプライチェーン分析
• 価格分析
• 規制分析
• 持続可能性分析
• DMIオピニオン

第6章 タイプ別

• リース
• ローン
• 信用枠

第7章 農場規模別

• 小規模
• 中規模
• 大規模

第8章 流通チャネル別

• ブローカー
• エージェント
• 銀行
• その他

第9章 地域別

• 北米
  • 米国
  • カナダ
  • メキシコ
• 欧州
  • ドイツ
  • 英国
  • フランス
  • イタリア
  • スペイン
  • その他
• 南米
  • ブラジル
  • アルゼンチン
  • その他
• アジア太平洋
  • 中国
  • インド
  • 日本
  • オーストラリア
  • その他
• 中東・アフリカ

第10章 競合情勢

• 競合シナリオ
• 市場ポジショニング/シェア分析
• 合併と買収の分析

第11章 企業プロファイル

• Rabobank Group
• Wells Fargo &Company
• Bank of America Corporation
• JPMorgan Chase &Co.
• The Goldman Sachs Group, Inc.
• BNP Paribas SA
• Deutsche Bank AG
• Barclays PLC
• Mitsubishi UFJ Financial Group, Inc.
• Australia and New Zealand Banking Group Limited（ANZ）

第12章 付録

Global farming and agriculture finance market size reached US$ 183.21 billion in 2024 and is expected to reach US$ 256.97 billion by 2032, growing with a CAGR of 4.32% during the forecast period 2025-2032.

The global farming and agriculture finance market is a critical component in supporting agricultural productivity and food security. In 2023, global public expenditures on agriculture reached an all-time high of US$ 701 billion, reflecting a growing commitment to the sector. Asia led this investment, allocating 4.6% of its government expenditure to agriculture, with Central and Southern Asia driving the increase. Notably, countries like Bhutan, Mali, and India dedicated significant portions of their budgets to agriculture, underscoring the sector's importance in their economies.

Despite these investments, challenges persist. The share of agriculture in global credit declined from 2.62% in 2014 to 2.30% in 2023, indicating that credit growth in agriculture has not kept pace with other sectors. However, in absolute terms, agriculture credit increased by 28% during this period, rising from US$ 952 billion to US$ 1,215 billion. Asia's dominance in agricultural credit supply grew, with its share increasing from 44% to 55%, driven by substantial growth in countries like China and India.

Global Farming and Agriculture Finance Market Trends

Driver - Expansion of Climate-Resilient Agricultural Financing Solutions

The expansion of climate-resilient agricultural financing solutions is significantly driving the farming and agriculture finance market. In the United States, the Biden-Harris Administration has allocated an unprecedented $3 billion for climate-smart practices on agricultural lands, enhancing support for programs like the Environmental Quality Incentives Program (EQIP) and the Conservation Stewardship Program (CSP).

Similarly, the World Bank has committed to doubling its annual agricultural financing to $9 billion by 2030, aiming to address challenges such as food production, water scarcity, and infrastructure, thereby bolstering climate resilience in agriculture. These substantial investments reflect a global shift towards integrating climate adaptation and mitigation strategies within agricultural financing, ensuring the sustainability and productivity of farming systems in the face of climate change.

Restraint - High Volatility in Agricultural Commodity Prices Impacting Loan Repayment

High volatility in agricultural commodity prices is restraining the farming and agriculture finance market by increasing risks in loan repayment. In 2023, the USDA reported that U.S. farm income is projected to decline by 25.4% to $136.9 billion due to fluctuating crop and livestock prices, impacting farmers' ability to meet debt obligations. Similarly, the European Commission noted that wheat and corn prices dropped by over 30% in 2023, creating financial strain for farmers and increasing default risks on agricultural loans.

Segment Analysis

The global farming and agriculture finance market is segmented based on type, farm-size, distribution channel and region.

Revolutionizing Sustainable and Ethical Farming Finance

The farming and agriculture finance market is significantly influenced by the segmentation of loan types, catering to the diverse financial needs of the agricultural community. In India, for instance, the government has set an ambitious agriculture credit disbursement target of ₹27.5 lakh crore (approximately USD 330 billion) for the fiscal year 2024-25. This includes ₹16 lakh crore (approximately USD 192 billion) earmarked for short-term crop loans and ₹11.5 lakh crore (approximately USD 138 billion) allocated to term loans. Notably, ₹4.2 lakh crore (approximately USD 51 billion) is designated for short-term loans specifically for the livestock sector, encompassing dairy, fisheries, and poultry.

The Kisan Credit Card (KCC) scheme exemplifies the emphasis on loan type segmentation. As of August 2022, the scheme has covered approximately 3.46 crore (34.6 million) farmers, with a sanctioned credit limit of ₹3.95 lakh crore (approximately US$47 billion). This initiative provides timely and adequate credit for agricultural needs, including crop production and ancillary activities. The segmentation into short-term and long-term loans ensures that farmers have access to appropriate financial products, enabling them to manage operational expenses and invest in capital improvements, thereby driving growth in the agriculture finance market.

Farming and Agriculture Finance Market Regional Analysis

Growing Financial Strain and High Interest Rates Drive Demand for Agriculture Financing in North America.

The demand for farming and agriculture finance in North America is influenced by various economic factors impacting the agricultural sector. In the US, net farm income declined by 4% in 2024, continuing a downward trend from the previous year. This reduction is attributed to lower commodity prices and increased operational costs, leading farmers to seek financial assistance to manage cash flow and sustain operations. In response, the US government approved a multibillion-dollar bailout as part of a larger federal spending bill to support the agricultural sector.

Additionally, rising interest rates have further complicated the financial landscape for farmers. In the third quarter of 2023, agricultural loan interest rates approached 9%, the highest since 2007. This increase has tempered enthusiasm for real estate and capital investments, with lenders reporting decreased loan volumes and a dip in repayment rates. Despite these challenges, the Farm Credit System (FCS) continues to play a pivotal role, providing over $373 billion in loans and related services as of 2022, representing more than 45% of the total market share of U.S. farm business debt.

Technology Analysis

Technological advancements are significantly transforming the farming and agriculture finance market, enhancing both productivity and sustainability. In the United Kingdom, the government has committed approximately US$340 million (£270 million) through the Farming Innovation Programme to support the development of cutting-edge technologies. For instance, in September 2023, US$15.7 million (£12.5 million) was allocated to 19 projects focusing on automation and robotics, including systems for predicting strawberry yields and improving vineyard productivity.

Additionally, in March 2023, US$11.5 million (£9.13 million) was awarded to initiatives such as robotic crop harvesting and autonomous cow bedding systems, aiming to boost agricultural efficiency and reduce environmental impact. In Uganda, the integration of financial technology has improved access to credit for smallholder farmers. In April 2023, the Food and Agriculture Organization (FAO) and the Uganda Development Bank launched AgriConnect, a digital platform offering savings and lending options tailored for farmers. This initiative aims to reach over 18,000 farmers, facilitating digital loans to enhance production and household incomes.

Competitive Landscape

The major global players in the market include Rabobank Group, Wells Fargo & Company, Bank of America Corporation, JPMorgan Chase & Co., The Goldman Sachs Group, Inc., BNP Paribas SA, Deutsche Bank AG, Barclays PLC, Mitsubishi UFJ Financial Group, Inc., and Australia and New Zealand Banking Group Limited (ANZ).

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Target Audience 2024

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Table of Contents

1. Methodology and Scope

• 1.1. Research Methodology
• 1.2. Research Objective and Scope of the Report

2. Definition and Overview

3. Executive Summary

• 3.1. Snippet by Type
• 3.2. Snippet by Farm Size
• 3.3. Snippet by Distribution Channel
• 3.4. Snippet by Region

4. Dynamics

• 4.1. Impacting Factors
  • 4.1.1. Drivers
    • 4.1.1.1. Expansion of Climate-Resilient Agricultural Financing Solutions
  • 4.1.2. Restraints
    • 4.1.2.1. High Volatility in Agricultural Commodity Prices Impacting Loan Repayment
  • 4.1.3. Opportunity
  • 4.1.4. Impact Analysis

5. Industry Analysis

• 5.1. Porter's Five Force Analysis
• 5.2. Supply Chain Analysis
• 5.3. Pricing Analysis
• 5.4. Regulatory Analysis
• 5.5. Sustainability Analysis
• 5.6. DMI Opinion

6. By Type

• 6.1. Introduction
  • 6.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Type
  • 6.1.2. Market Attractiveness Index, By Type
• 6.2. Lease *
  • 6.2.1. Introduction
  • 6.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
• 6.3. Loan
• 6.4. Line of Credit

7. By Farm Size

• 7.1. Introduction
  • 7.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Farm Size
  • 7.1.2. Market Attractiveness Index, By Farm Size
• 7.2. Small*
  • 7.2.1. Introduction
  • 7.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
• 7.3. Medium
• 7.4. Large

8. By Distribution Channel

• 8.1. Introduction
  • 8.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Distribution Channel
  • 8.1.2. Market Attractiveness Index, By Distribution Channel
• 8.2. Brokers*
  • 8.2.1. Introduction
  • 8.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
• 8.3. Agents
• 8.4. Banks
• 8.5. Others

9. By Region

• 9.1. Introduction
  • 9.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Region
  • 9.1.2. Market Attractiveness Index, By Region
• 9.2. North America
  • 9.2.1. Introduction
  • 9.2.2. Key Region-Specific Dynamics
  • 9.2.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Type
  • 9.2.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Farm Size
  • 9.2.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Distribution Channel
  • 9.2.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
    • 9.2.6.1. US
    • 9.2.6.2. Canada
    • 9.2.6.3. Mexico
• 9.3. Europe
  • 9.3.1. Introduction
  • 9.3.2. Key Region-Specific Dynamics
  • 9.3.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Type
  • 9.3.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Farm Size
  • 9.3.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Distribution Channel
  • 9.3.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
    • 9.3.6.1. Germany
    • 9.3.6.2. UK
    • 9.3.6.3. France
    • 9.3.6.4. Italy
    • 9.3.6.5. Spain
    • 9.3.6.6. Rest of Europe
• 9.4. South America
  • 9.4.1. Introduction
  • 9.4.2. Key Region-Specific Dynamics
  • 9.4.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Type
  • 9.4.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Farm Size
  • 9.4.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Distribution Channel
  • 9.4.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
    • 9.4.6.1. Brazil
    • 9.4.6.2. Argentina
    • 9.4.6.3. Rest of South America
• 9.5. Asia-Pacific
  • 9.5.1. Introduction
  • 9.5.2. Key Region-Specific Dynamics
  • 9.5.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Type
  • 9.5.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Farm Size
  • 9.5.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Distribution Channel
  • 9.5.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
    • 9.5.6.1. China
    • 9.5.6.2. India
    • 9.5.6.3. Japan
    • 9.5.6.4. Australia
    • 9.5.6.5. Rest of Asia-Pacific
• 9.6. Middle East and Africa
  • 9.6.1. Introduction
  • 9.6.2. Key Region-Specific Dynamics
  • 9.6.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Type
  • 9.6.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Farm Size
  • 9.6.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Distribution Channel

10. Competitive Landscape

• 10.1. Competitive Scenario
• 10.2. Market Positioning/Share Analysis
• 10.3. Mergers and Acquisitions Analysis

11. Company Profiles

• 11.1. Rabobank Group *
  • 11.1.1. Company Overview
  • 11.1.2. Product Portfolio and Description
  • 11.1.3. Financial Overview
  • 11.1.4. Key Developments
• 11.2. Wells Fargo & Company
• 11.3. Bank of America Corporation
• 11.4. JPMorgan Chase & Co.
• 11.5. The Goldman Sachs Group, Inc.
• 11.6. BNP Paribas SA
• 11.7. Deutsche Bank AG
• 11.8. Barclays PLC
• 11.9. Mitsubishi UFJ Financial Group, Inc.
• 11.10. Australia and New Zealand Banking Group Limited (ANZ)

LIST NOT EXHAUSTIVE

12. Appendix

• 12.1. About Us and Services
• 12.2. Contact Us