Accession to the European Union gives Poland an opportunity to increase incomes and financial flow in agriculture. Yet, the EU's support is not unconditional and therefore, the actual amount of financial transfers is uncertain.

In times of political and economic transformation, considerable progress was achieved in terms of developing and enhancing the financial infrastructure in Polish agriculture. Nevertheless, due to the extensive loans, it is significantly monopolised, inefficient and outdated. Certain deregulations of the agricultural financial markets will have to be introduced after Poland's accession to the EU, which may put some banks in quite a difficult situation. The main problems they will face are: the reduction of banks' operating costs, arranging for the inevitable fall in the interest-rate margin and finding new profitable sections on the market.

The Polish agricultural financial market will undergo serious changes in coming years. This should also involve changes in quality. It is necessary to create a model that would unify markets, institutions and instruments to maximise the share of the rural population in the positive effects of general economic growth and development in order to reduce poverty in rural areas, to enable a proper level of nutrition and to decentralise the management of all natural and man-made resources.