为什么农业保险可能拖累农业发展？

*中文标题和摘要系简单翻译，可能存在部分错误，请以英文为准

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Erwin Bulte, Robert Lensink. 2022. “ Why Agricultural Insurance May Slow down Agricultural Development.” American Journal of Agricultural Economics. forthcoming

图片摘要：

农业保险是如何影响低收入国家的农业现代化的？我们关注的是没有正式合同执行的制度环境，小农户无法通过市场获得现代投入。相反，农民可以与商人签订关系合同，出售他们的作物并获得投入（作为预先的实物支付）。虽然传统理论认为，保险通过削弱投资风险而 "挤进 "现代投入，但我们证明，保险减少了农民从贸易商那里获得现代投入的数量。保险也减少了贸易商向保持关系的农民提供的投入数量。当机制不完善时，保险可能会阻碍现代投入的吸收。

Abstract

How does agricultural insurance affect the modernization of farming in low income countries? We focus on institutional contexts without formal contract enforcement, where smallholders cannot access modern inputs via markets. Instead, farmers can engage in relational contracting with traders to sell their crop and gain access to inputs (as an advance in-kind payment). Although conventional theory assumes that insurance “crowds in” modern inputs by attenuating investment risk, we demonstrate that insurance reduces the number of farmers receiving modern inputs from traders. Insurance also reduces the quantity of inputs that traders provide to farmers who remain in a relationship. Insurance may impede the uptake of modern inputs when institutions are imperfect.

原文链接（点击“阅读原文”跳转）：

https://onlinelibrary.wiley.com/doi/epdf/10.1111/ajae.12353

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