In article identified the necessity of improvement of the monetary policy in determining of the balanced proportions of investments in fixed and working capital of agricultural business units, developed by managers of agricultural business unitsmodels of decision making to madea right choice of optimal investments to keep in working condition the material-technical base. Justified the choice of optimal investment decisions through calculation of efficiency purchase of the material-technic sources in depends of different variants of investments sources and optimal terms of loans.

Key words: credit policy, investment decisions, trade credit, lending model.