【摘要】 利用2019年中国家庭金融调查(CHFS)的农村保险专题调查数据实证检验非正式与正式风险管理工具的相互关系。研究发现：农户对非正式风险管理工具的采纳率明显高于正式风险管理工具，非正式风险管理工具对低保障水平农业保险存在显著的替代关系，且不受收入水平的影响。农户对高保障水平农业保险的支付意愿较高，非正式风险管理工具与高保障水平农业保险具有互补关系，依赖借贷救急的农户对高保障水平农业保险的支付意愿更高。鉴于此，应着重向缺乏风险管理能力的农户推行低保障水平农业保险；同时，逐步推广高保障水平的农业保险，保障农户收入，维护国家粮食安全。更多还原

【Abstract】 Using the thematic survey data of rural insurance from the 2019 China Household Finance Survey(CHFS), this study empirically examines the relationship between informal and formal risk management tools. The research finds: famers have a significantly higher adoption rate of informal risk management tools compared to formal ones. Informal risk management tools exhibit a significant substitutive relationship with low coverage agricultural insurance and are not influenced by income levels, famers show a higher willingness to purchase high-coverage agricultural insurance. Informal risk management tools complement high-coverage agricultural insurance, and famers relying on loan relief have a higher willingness to purchase high-coverage agricultural insurance. Given this, we should focus on promoting agricultural insurance with low protection levels to farmers who lack risk management ability. At the same time, we will gradually promote agricultural insurance with a high level of security to ensure the income of rural households and safeguard national food security.更多还原