关键词: 社会保障, 小农经济, 风险厌恶, 人力资本积累

Abstract: The goal for the scale of social security is restricting the influence of risk impetus on welfare level of individual in economy.Under current economic environment in China,due to the practical particularity of the peasant household decision behaviors such as operation and consumption,the conclusion of standard optimum scale of social security is not suitable any more.In order to guarantee the maximum of peasant household long-term welfare,the peasant economy region in rural areas needs bigger scale social security institution than industrialization economy region in urban areas.The logic is that the characteristic of peasant household self-operation results in the increase of their risk detestation.In addition,beforehand capital for production and operation makes the resumption from negative impetus more difficult and loan restriction more serious,however,deposition motive of human recourses capital leads to higher price for resumption from negative impetus.All of these will significantly raise welfare level of individual in economy when increasing scale of social security.

Key words: social security, peasant economy, risk detestation, human resources accumulating