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The next subprime crisis could be in food

If trade financing is out of reach for small and midsized farmers, everyone may suffer

Of all the many problems caused by Covid-19, three of the most visible have been food insecurity, the demise of small businesses and asset market volatility.

All of those things might be poised to get worse, thanks to an unexpected but important financial shift. Big banks, including ABN Amro, ING and BNP Paribas, are either pulling out of commodity trade financing or scaling it back. This will leave a funding hole for some farmers, agricultural producers and distributors, as well as grocery chains and other small and medium-sized companies that represent crucial parts of the global food supply chain.

The problem is like a gigantic iceberg under the surface of financial markets, one that we can’t yet see but are nonetheless headed for, according to Michael Greenberger, a professor at the University of Maryland’s Carey School of Law and former director of trading and markets at the US Commodity Futures Trading Commission.

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