Declining values for farm equipment and land,the collateral against which farmers borrow to get through the harvest season,are going to force many lenders to tighten or deny credit this spring.

请教各位大侠，这个句子的句子成分怎么划分，中间那个从句起了什么作用？

在此多谢各位啦！

中间的句子用来修饰equipment和land。

declining value是句子的主语，are是谓语