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Tier 3 — Observational / field trialPeer-reviewedConventional

Financial innovation, credit access, and policy support: building climate resilience in Chinese agriculture

Hisham Noori Hussain Al-Hashimy; Jin-Fang Yao; A. A. Pitchay; W. Hussein

Journal of Agribusiness in Developing and Emerging Economies · 2026

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Summary

This quantitative study of 168 Chinese agricultural producers and financial institutions employs PLS-SEM to examine how climate-oriented financial mechanisms drive agricultural climate resilience. Credit access emerged as the strongest direct determinant of resilience, whilst financial innovation operated indirectly through institutional environment strengthening. Government policy significantly moderated the relationship between credit access and resilience, indicating that effective policy frameworks are critical to translating financial mechanisms into adaptive capacity.

Regional applicability

Whilst conducted in China, the findings on credit access, institutional environment quality, and policy moderation of financial effectiveness may inform United Kingdom agricultural financing and climate adaptation strategies. However, direct application should account for differences in UK institutional maturity, existing credit markets, and policy architecture around agricultural climate resilience.

Key measures

Climate resilience (CR), financial innovation (FI), credit access (CA), government policy (GP), institutional environment (IE); analysed via partial least squares structural equation modelling

Outcomes reported

The study measured the influence of financial innovation, credit access, government policy, and institutional environment on climate resilience in Chinese agriculture using structural equation modelling. Key findings included credit access as the strongest direct driver of climate resilience, whilst financial innovation's effects were mediated through institutional environment.

Theme
Policy, governance & rights
Subject
Food & farming system resilience
Study type
Research
Study design
Survey-based structural equation modelling (PLS-SEM)
Source type
Peer-reviewed study
Status
Published
Geography
China
System type
Mixed farming
DOI
10.1108/jadee-10-2025-0514
Catalogue ID
NRmupdc5m3-0cj

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