信贷需求抑制视角下农户环境友好型农业技术采纳行为分析

Analysis of Farmers’ Environmentally-friendly Technology Adoption Behavior——An Empirical Study from the Perspective of Credit Demand Restraint

通过构建一个两期动态投融资的理论框架,分析信贷需求抑制、非农收入对农户环境友好型农业技术采用的影响,进一步运用黑龙江、浙江、河南和四川4省957份农户数据采用IV-Heckit和cmp模型进行实证检验,并以家庭其他成员参与金融项目数作为工具变量解决内生性问题。结果表明:我国农村存在着严重的信贷需求抑制问题,信贷需求抑制显著负向影响农户环境友好型农业技术采用行为及强度,非农收入对此有明显的缓解作用;非农收入对于资金需求大、普及程度高的有机肥采用影响显著,对资金需求小的秸秆还田采用影响不显著。最后,针对研究结论提出了加强渠道建设、推动绿色金融、深化金融创新等政策建议。

By constructing a theoretical framework of two-period dynamic investment,this paper theoretically analyzes the influence of credit demand restraint and non-farm income on farmers’adoption of environment-friendly agricultural technology,and further conducts an empirical test by using IV-Heckit,CMP and Fisher Permutation test models based on data on 957 farmers in Heilongjiang,Zhejiang,Henan and Sichuan provinces.The number of financial projects taken by other family members is used as an instrumental variable.The research shows that the credit demand restraint is prevalent in rural China.To be specific,it has a significant negative impact on farmers’adoption of environmentally friendly agricultural technology.The non-farm income has an obvious mitigating effect on farmers’adoption of environmentally friendly agricultural technology.To be specific,its impact is remarkable on the application of organic fertilizer which is featured by large funds and high popularity yet limited on returning straw to fields which requires little on funds.Therefore,some policy suggestions are proposed,including channel construction,promoting rural green financial service and financial innovation.