DOI：10.3969/j.issn.1672-3872.2024.03.011
基金项目：江苏省大学生创新创业训练计划“从异质性视角分析绿色信贷对农户绿色转型的影响”（202210307149Y）
作 者：曾馨雨 ，张椒婷 （南京农业大学金融学院，江苏 南京 210095）
摘 要：【目的】研究绿色信贷对农户绿色转型的影响，为相关政策的完善提供一定的理论依据。【方法】基于江苏省南京市高淳区111份农户调研数据，运用二元Logistic模型实证分析绿色信贷可得性对农户绿色生产行为的影响作用，并关注不同兼业情况、绿色认知水平农户之间的异质性，探究其内在逻辑。【结果】1）绿色信贷可得性对农户的绿色技术采纳行为有显著正向影响，能有效促进农户对绿色技术的选择；2）不同兼业情况的农户，绿色信贷可得性对其绿色生产行为采纳的影响作用不同，绿色信贷可得性对无兼业农户的决策有显著的正向影响；3）绿色认知水平在绿色信贷可得性影响农户绿色生产行为采纳中具有正向作用，绿色认知水平高的农户更容易意识到环境问题的重要性，更有可能愿意采取绿色转型行动。【结论】应加大 对农户的绿色信贷支持力度，为农户绿色转型行为提供专项信贷支持，提高农户对技术采纳的风险承受能力，加强农户的绿色技术培训和能力建设，帮助农户掌握绿色农业技术和创新实践方式。
关键词：绿色转型；绿色金融；异质性
A Study on the Impact of Green Credit on Farmers’ Green Transformation —Based on the Heterogeneity Perspective
Zeng Xinyu, Zhang Jiaoting (College of Finance, Nanjing Agricultural University, Jiangsu Nanjing 210095)
Abstract: [Objective] To study the impact of green credit on the farmers’ green transformation and to provide certain theoretical basis for the improvement of related policies. [Method] Based on the survey data of 111 farmers in Gaochun District, Nanjing City, Jiangsu Province, we empirically analyze the impact of green credit availability on farmers’ green production behavior using the binary logistic model, and focus on the heterogeneity between farmers with different part-time jobs and green cognition levels to explore the underlying logic. [Result] 1) Green credit availability has a significant positive impact on farmers’ green technology adoption behavior, which can effectively promote farmers’ choice of green technology. 2) Green credit availability has a different impact on the adoption of green production behavior among farmers with different part-time jobs, and green credit availability has a significant positive impact on the decision-making of non part-time farmers. 3) Green cognition level plays a positive role in the impact of green credit availability on farmers’ adoption of green production behavior. Farmers with a high level of green cognition are more likely to be aware of the importance of environmental issues and are more willing to take green transformation actions. [Conclusion] Green credit support for farmers should be increased, special credit support should be provided for farmers’ green transformation behaviors, farmers’ risk tolerance for technology adoption should be improved, farmers’ green technology training and capacity building should be strengthened, and farmers should be assisted in mastering green agricultural technologies and innovative practices.
Keywords: green transformation; green finance; heterogeneity
引文信息：[1]曾馨雨，张椒婷.绿色信贷对农户绿色转型的影响研究：基于异质性视角[J].南方农机，2024，55(3)：42-48.
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