关键词: 农户, 收入风险, 社会资本, 非正式保险

Abstract: [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:① The farmers who faced income shocks fails to get the complete insurance; ② The social capital at village and family levels has a significant positive effect on enhancing the ability to response to income risk; ③ Income risk takes an apparently negative effect with the vulnerability of poverty of rural 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.

Key words: farmer, income risk, social capital, informal insurance