穷国与富国之间差异的中心环节之一或许是风险在居民生活中的重要性.在低收入国家,生活比较安定,除了显而易见的风险——由于卫生状况不好而导致的传染性疾病的泛滥之外,还有在经济中占有相对重要的农业,农业的人口太多而使人们收入产生不稳定的风险,带有风险性的市场机遇,在有信贷和保险的情况下,在低收入国家,尤其是农村,它的发展也是比较缓慢的,不健全的体系使合约的执行产生困难,这些体系中有水平低的资本,以及以相互联接不紧密的各结构之间发展的不良状态. Perhaps one of the central aspects of the difference between rich and poor countries is the importance of risk in the lives of people, and in low-income countries, life is more stable, with the obvious risks of contagious diseases caused by poor health In addition to flooding, there is also a relatively important agricultural and agricultural economy. Too many people in agriculture are at risk of instability in their incomes, with risky market opportunities. With credit and insurance, Its development is also slow in countries, especially in rural areas. Unsound systems make it difficult to enforce contracts. There are low levels of capital in these systems and the developmental disadvantages between closely interrelated structures.