Li Gujie, Jia Xiaoman, Khan Arshad Ahmad, Khan Sufyan Ullah, Ali Muhammad Abu Sufyan, Ali Muhammad, Luo Jianchao
College of Economics and Management, Northwest Agriculture and Forestry University, Yangling, 712100, Shaanxi, China.
Shaanxi Rural Financial Research Center, Yangling, 712100, Shaanxi, China.
Environ Sci Pollut Res Int. 2023 May;30(24):66314-66327. doi: 10.1007/s11356-023-27161-4. Epub 2023 Apr 25.
Green agriculture is anticipated to be the leading trend for achieving sustainable and high-quality development in the agricultural sector in the future. The success of credit guarantee policies in promoting green agricultural development is closely linked to the level of participation and response from farmers in securing agricultural credit guarantee loans. We examined how farmers in Xiji, Ningxia, perceive agricultural credit guarantee policies and their involvement in such loans by analyzing 706 survey responses. Our analysis utilized a combination of statistical techniques, including principal component analysis, Heckman's two-stage model, and moderating effect model. The results indicate that out of the 706 surveyed farmers, 29.32% of households (207 households) had knowledge of the agricultural credit guarantee policy. While 66.86% of households (472 households) expressed interest in participating in agricultural credit guarantee loans, only 23.65% of households actually took part or participated multiple times. The overall awareness of the agricultural credit guarantee policy among farmers and their participation rate are both low. An increase in farmers' awareness of the agricultural credit guarantee policy can have a significant impact on their willingness and frequency of participation. The farmer's understanding of the agricultural credit guarantee policy has a significant impact on their decision to participate in credit guarantee loans. However, this effect can vary based on the farmer's income level, household capital, and factors such as social security, personal characteristics, location, and type of household business. To improve the support provided to farmers, it is advised to increase their awareness and understanding of agricultural credit guarantee policies. Furthermore, loan products and services should be personalized according to the capital available to each farmer's household, and the agricultural credit guarantee system and process should be enhanced to provide better assistance.
绿色农业有望成为未来农业部门实现可持续和高质量发展的主导趋势。信贷担保政策在促进绿色农业发展方面的成功与农民在获得农业信贷担保贷款方面的参与程度和反应密切相关。我们通过分析706份调查回复，研究了宁夏西吉的农民如何看待农业信贷担保政策以及他们参与此类贷款的情况。我们的分析采用了多种统计技术，包括主成分分析、赫克曼两阶段模型和调节效应模型。结果表明，在706名接受调查的农民中，29.32%的家庭（207户）了解农业信贷担保政策。虽然66.86%的家庭（472户）表示有兴趣参与农业信贷担保贷款，但实际参与或多次参与的家庭仅占23.65%。农民对农业信贷担保政策的总体认知度和参与率都较低。农民对农业信贷担保政策认知度的提高会对其参与意愿和参与频率产生重大影响。农民对农业信贷担保政策的理解对其参与信贷担保贷款的决策有重大影响。然而，这种影响会因农民的收入水平、家庭资本以及社会保障、个人特征、地理位置和家庭经营类型等因素而有所不同。为了加强对农民的支持，建议提高他们对农业信贷担保政策的认知度和理解。此外，应根据每个农户的可用资金提供个性化的贷款产品和服务，并加强农业信贷担保体系和流程，以提供更好的帮助。
