基于农户视角的农业风险管理策略研究

Agricultural Risk Management Strategy from Farmers' Perspective

市场经济在促进中国农村经济快速发展的同时也加剧了农业风险,自然风险和市场风险困扰着农业经济的发展。文章分析了农户的风险管理原则和策略,剖析了农户对政府提供的政策性农业保险等风险管理工具的行为反应模式。研究表明,政府的风险管理策略要有农户的良性互动才能产生预期的政策效果,否则会事与愿违。其基本结论为,政府不仅要了解缺乏正规制度安排时农户的策略行为,还要考虑农户对政府的风险管理策略的认可和接受程度,政府的风险管理应建立在不同农户的内在需求上,把供给驱动型的风险管理策略转变为需求导向型的风险管理策略。

Market economy that promotes economic development in Chinese rural areas greatly also aggravates agricultural risk. Natural hazards and market risk are plaguing the development of agriculture. The paper analyzes farmers＂ principle and strategy in agricultural risk management. Then it analyzes the behavior response mechanism and patterns of the farmers to the policy-oriented agricultural insurance and other risk management measures which are provided by the government. The research indicates that only farmers＇ good interaction to the government-provided risk management tools can reach the anticipated policy purpose. Otherwise it will be contrary to what expected. Its elementary conclusion is that the government not only need to understand the farmers＇ strategy in the lacks of the regular institutional arrangements, but must consider the degree of farmers＇ approval and receptivity to the governmental measures of risk management. Governmental risk management should establish in farmers＇ intrinsic demand and must transform the supplies actuation risk management strategy into the demand guidance risk management strategy.