Abstract:Global climate change has increased the frequency and severity of extreme weather events. Drought risk has evolved from an occasional shock into a persistent stressor in agriculture production. Farmers' adoption of adaptive technologies is regarded as the micro-level foundation for building an agricultural disaster prevention system. Field survey data were collected from 561 farmer households in three major edible bean production areas in China. The driving mechanism of farmers' adoption of climate-adaptive technologies was systematically examined from two dimensions: technology adoption and payment for meteorological services, with drought-resistant measures as the research object. The results indicate that climate disaster shocks are a core factor driving farmers' adoption of drought-resistant technologies. However, the strength of the impact is heterogeneous. Significant positive effects are found on the adoption of drought-resistant seeds, changes in planting structure, changes in sowing or harvesting time, and the adoption of meteorological services. No significant effect is found on increased irrigation. This reflects a resource constraint threshold in the adoption of adaptive technologies. Second, in the adoption of technologies requiring continuous payment, the core prerequisite determining farmers' payment capacity is identified as willingness to pay. The formation of willingness to pay is mainly driven by the severity of disaster losses. The behavioral logic of "disaster-driven—technology differentiation—willingness-led—capacity-constrained" in farmers' technology adoption behavior is revealed. New empirical evidence is provided for understanding farmers' decision-making mechanisms under climate change. Reference value for improving agricultural disaster prevention and mitigation policies and optimizing the supply model of meteorological services is provided by the conclusions. Empirical evidence is also provided for formulating differentiated technology extension strategies for different types of farmers.