所为非所想?:农户风险管理意愿与行为的悖离分析
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华中农业大学经济管理学院

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国家自然科学基金项目(面上项目,重点项目,重大项目);国家自然科学基金青年项目


Do not think: the paradox betweenfarmers’ willingness and adoption of risk management
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huazhong agricultural university,college of economics and management

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    摘要:

    风险是农业生产固有的一部分,实现农户风险管理意愿与行为统一是降低农业风险对农户生产经营不利影响的重要途径。本文利用2018年东北三省和湖北省种植大户的调查数据,从自然风险与市场风险两方面,对农户风险管理的意愿、行为及其悖离进行分析,并探究形成悖离现象的原因。研究发现:对于自然风险,大部分农户采取了有效的风险管理方法,但风险管理意愿不高;农户的市场风险管理行为极为少见。与之相悖的是,农户具有较高的市场风险管理意愿。结果表明,农户自然风险管理意愿与行为的悖离除了受到农户风险管理实际行为控制、风险管理执行意愿和风险管理外部条件的影响外,农户对农业保险缺乏了解,以及目前农业保险存在的不足也是导致此悖离的重要原因;农户市场风险管理意愿与行为的悖离主要原因是当前市场风险管理方法缺乏有效的宣传引导,农户获取信息渠道不足,使得农户对市场风险管理方法并不了解,存在明显的误解与不信任。因此,为了有效实现农户风险管理意愿与行为的统一,需要强化市场风险管理的政府宣传引导,健全农业保险的推广机制,扩大“保险+期货”的试点,发挥新型主体的带动作用。

    Abstract:

    Risk is inherent part of agriculture and thus unifying households’ risk management willingness with their adoption is the crucial way to reduce the negative influence of agriculture risk. Collecting data from the Large-Scale farmers in the Northeast China. and Hubei province in 2018, this study focuses on farmers’ risk management willingness, adoption and the paradox of them from the perspective of natural risk and market risk. Furthermore, we explore the reason of the paradox of willingness with adoption. The empirical results show that most of farmers have adopted management strategy for natural risk, but they have lower risk management willingness. The adoption for market risk is extremely scarce. Ironically, farmers usually have higher risk management willingness for market risk. The results shows that implementation intentions of risk management, actual behavioral control of risk management and situational context of risk management, understanding of agricultural insurance and disadvantages of agricultural insurance are the primary causes of the paradox of management willingness with adoption for natural risk. We found that the main reason lead to the paradox of management willingness with adoption for market risk is the lack of publicity and information channel for risk management strategy, leading to farmers’ incomprehension and misunderstand with risk management strategy. In order to unify farmers’ risk management willingness with their adoption, we need strengthen government publicity and guidance for market risk management, improve the mechanism for popularizing agricultural insurance, expand trials of insurance plus futures.

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  • 收稿日期:2019-09-06
  • 最后修改日期:2019-11-14
  • 录用日期:2019-12-12
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