The epicenter of this analysis is to provide an overview of the current situation in micro and macro agricultural finance in Serbia and the EU. One of the goals of this research is to consider the weaknesses and potentials of agricultural policy in Serbia, through comparison with more developed countries. In this qualitative and quantitative analysis, authors used comparation method, analysis and synthesis method, inductive and deductive method, and a local and international literature review. There are several important conclusions which can be drawn from this manuscript. Access to finance among farmers and agricultural SMEs is among the poorest of any sector in Serbia. The Serbian financial sector offers a poor range of loan products to the agricultural sector. Therefore, existing mechanisms for micro and macro agricultural finance in Serbia are not adequate and a change should be made in approach.

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The aim of this research paper is development of comparative analysis of the microcredit sector in Serbia and Montenegro, as well as to carry out identification and analysis of the components that influence the determination of interest rates on microloans in Serbia and Montenegro. Within the comparative study, there will be an analysis of the correlation between the total amount of granted microcredits in these countries and their gross domestic product, by using the Pearson correlation coefficient.

There is an urgent need to march towards “low - carbon economy”. Global challenges of diminishing fossil fuel reserves, climate change, environmental management and finite natural resources serving an expanding world population - these reasons mean that urgent action is required to transition to solutions which minimize environmental impact and are sustainable. We are at the start of the low - carbon revolution and those that have started on their low - carbon journey already are seeing benefits such as new markets and customers, improved economic, social and environmental performance, and reduced bills and risks. Green investment banks offer alternative financial services: green car loans, energy efficiency mortgages, alternative energy venture capital, eco - savings deposits and green credit cards. These items represent innovative financial products.

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