【目的】对农户家庭层面与村庄层面社会资本分担风险的效果进行实证研究，并提出相应的政策建议。【方法】基于中国家庭金融调查（CHFS2011）的农村数据，建立风险分担模型，检验社会资本能否为遭受收入冲击的农户提供非正式保险。【结果】①农村家庭未能在遭遇收入风险时获得完全保险；②家庭层面与村庄层面的社会资本显著提高了农户应对收入风险的能力；③贫困农户在风险冲击下表现出更大的脆弱性，社会资本缓冲收入风险的作用随农户收入的增加而下降。【结论】农户社会资本具有重要的非正式保险作用，从增强农户风险缓冲能力的视角看，社会资本是“穷人的资本”。%Objective]In order to analyses the influence of social capital on income risk of rural household at village and family levels and put forward the corresponding policy recommendations.[Method]Based on the survey data of CHFS2012,We construct risk sharing model and test whether social capital can provide informal insurance to farmers who are at risk.[Results]The results shows that:①The farmers who faced income shocks fails to get the complete insurance;②The social capital at village and family levels has a significant positive effect on enhancing the ability to response to income risk;③Income risk takes an apparently negative e ffect with the vulnerability of poverty of rura l households. The effect of social capital reducing risk turns weak with increasing of household income.[Conclusion]The social capital at village and family levels play an important role in informal insurance. The social capital is the capital of the poor from the perspective of enhancing the ability of dealing with risk.
展开▼
