Using survey data from 469 households,this paper explored the influence of farmers'pur-chase of agricultural insurance on their adoption of water-saving irrigation techniques and analyzed the mediating and moderating effects of agricultural risk transfer evaluation and heterogeneous risk prefer-ences in this process.The results indicate that agricultural risk transfer tools and agricultural risk reduc-tion tools exhibit a complementary relationship,whereby farmers'purchase agricultural insurance di-rectly promotes the adoption of water-saving irrigation techniques and indirectly promotes it through en-hancing their evaluation of agricultural risk transfer effects.In addition,moral hazard and crowding-out ef-fect limit the complementarity between agricultural risk transfer and agricultural risk reduction tools,as risk-averse farmers purchasing agricultural insurance reduce the likelihood of adopting of water-saving ir-rigation techniques.To enhance farmers'resilience to risks,it is necessary to advance the protection effec-tiveness of agricultural risk transfer tools,improve the inclusive financial service system in rural areas,and alleviate the financial constraints on farmers in adopting agricultural risk transfer and agricultural risk reduction tools.At the same time,efforts should be made to coordinate the relationship between agricul-tural risk transfer and agricultural risk reduction tools,provide in-depth guidance services,and facilitate the coordinated expansion of agricultural insurance and water-saving irrigation techniques to collectively contribute to rural revitalization.
维普
万方数据