What question did this study set out to answer?

To evaluate the associations between financial instruments—specifically credit and insurance—and farmers' adoption of climate-smart agricultural technologies (CSATs).

August 16, 2026SustainabilityOpen Access

The Impact of Credit and Insurance on Farmers’ Climate-Smart Agricultural Technologies Adoption: Evidence from Climatic Transition Zone in China

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To evaluate the associations between financial instruments—specifically credit and insurance—and farmers' adoption of climate-smart agricultural technologies (CSATs).
Analyzed cross-sectional survey data collected from 1,219 farmers located in the climatic transition zone of China.
Utilized Probit regression models and mediation analyses to estimate direct associations, indirect pathways through training and attitudes, and climatic sub-regional heterogeneity.
Credit and insurance access both associate positively with CSAT adoption, with insurance demonstrating a stronger marginal effect than credit.
Mediation pathways indicate that financial instruments increase adoption by boosting technical training attendance, reinforcing subjective norms, and enhancing farmers' risk attitudes, with effects varying across climatic sub-regions.

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Implication

Survey analysis finds credit and insurance enhance climate-smart agricultural technology adoption among smallholders, highlighting the stronger marginal benefit of insurance and targeted finance.

Cite This Study

Zhang et al. (2026) studied this question.

synapsesocial.com/papers/6a81799af2fb91fc834acc3a https://doi.org/10.3390/su18168340

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Implication

Survey analysis finds credit and insurance enhance climate-smart agricultural technology adoption among smallholders, highlighting the stronger marginal benefit of insurance and targeted finance.

The Impact of Credit and Insurance on Farmers’ Climate-Smart Agricultural Technologies Adoption: Evidence from Climatic Transition Zone in China

Key Points

Discussion

Implication

Cite This Study

The Impact of Credit and Insurance on Farmers’ Climate-Smart Agricultural Technologies Adoption: Evidence from Climatic Transition Zone in China

Key Points

Discussion

Implication

Cite This Study

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