Anotace:
This article justifies the use of a new methodical approach to index insurance of agricultural producers against weather risks, in particular, the use of the thermal-hydraulic combined index (Іth) as the weather index of the effect of several triggers (temperature and precipitation) on yields, taking into account the uniformity of weather and climatic conditions over time. General scientific methods of scientific knowledge and research of economic phenomena are used for the scientific solution. The theoretical and methodological bases of the research are the works of scientists and practitioners involved in researching the market of agricultural insurance services in general and the issues of developing an effective system of agrarian insurance, in particular. The main method of research is the method of mathematical statistics, namely, a multivariate analysis of variance. This article presents research on the application of index insurance schemes while using weather index products. The advantages and disadvantages of these products are considered and the mechanism of the index insurance is described in general. The article considers the possibility of applying a rainfall index with a temperature threshold, and the thermal-hydraulic index (Іth) that takes into account and simultaneously combines several parameters is calculated. Considering the research findings, the authors suggest the adoption of the compound thermal-hydraulic index (Іth) and present a detailed description of the functioning of this mechanism. Approbation of the methodological tools was carried out on the example of the Uman District of the Cherkasy Region of central Ukraine.