AGRICULTURAL LAND TRANSFER,SCALE EFFECT AND FARMERS'ADOPTION OF WATER-SAVING IRRIGATION TECHNOLOGY:THE MODERATING EFFECT OF BANK INSURANCE INTERACTION
Promoting the adoption of water-saving irrigation technology is of great significance to alleviate the shortage of water resources and realize the sustainable development of the Yellow River Basin.Based on the survey data of 1 909 households in the Yellow River Basin,this paper used the binary logit model to investigate the direct impact of farmland transfer and its institutional arrangement on farmers'willingness to adopt water-saving irrigation technology and adoption behavior,and further tested the mediating effect of scale effect and the moderating effect of bank-insurance interaction.The results were listed as follows.(1)Agricultural land transfer and its institutional arrangement had a direct effect on the adoption intention and behavior of water-saving irrigation technology,but there were differences between the transfer and transfer of agricultural land.(2)By increasing the total area of farmers'operation,expanding the average land area and using agricultural machinery to produce scale effect,the transfer of agricultural land had an incentive effect on the willingness and behavior of farmers to adopt water-saving irrigation technology.(3)The interaction between bank and insurance played an important regulating role in the influence of farmland transfer on farmers'intention to adopt water-saving irrigation technology and their adoption behavior.The regulating effect of farmland transfer on the intention to adopt water-saving irrigation technology and the adoption process was positive,but the regulating effect of farmland transfer on the intention to adopt water-saving irrigation technology and the adoption process was not significant.In addition,heterogeneity analysis showed that farmers with higher education level,better economic status,more social capital,planting cash crops and larger scale of operation were more inclined to adopt water-saving irrigation technology.Therefore,it should gradually improve the agricultural land transfer market,improve the institutional arrangement of agricultural land transfer,and establish an"open,transparent and flexible"agricultural land transfer platform;village collectives and other grass-roots organizations should play a good coordinating role,management function,to achieve scale effect;and the government should increase the publicity of the interactive cooperation mode between water-saving irrigation technology and bank insurance,and enhance the enthusiasm and enthusiasm of farmers to protect water resources.In addition,we will encourage the development of cooperatives and other new types of agricultural business entities,play an exemplary and leading role,so as to promote the spread of agricultural technologies.