APPLICATION OF ECOMOMIC–MATHEMATICAL MODELS IN INSURANCE OF AGRICULTURAL CULTURES

In the articles lighted up characteristic features of process of agrarian insurance of agricultural cultures and their taking into account is reasonable in application of actuarial calculations. Econimic-mathematical models that light up economic activity of basic participants of operations on insurance of production of plant-grower cultures are presented. It is marked that for creation of the comfortable and optimal programs of insurance of harvest it is necessary to take into account the factors of influence on the productivity of insurance culture and interests of all participants of agrarian insurance. The minimum set of criteria is presented to consideration for the estimation of the program of agroinsurance in the context of agricultural cultures. The comfortable methods of calculation of such criteria offer on the widespread multirisk sample of insurance program. It is found out, that factors that needs to be taken into account for prognostication of future harvest can influence on the indexes of the productivity of agricultural cultures. It is noticed that for the stowage of insurance agreement with a few insure after a few types of agricultural cultures, it is needed to become familiar with information about the productivity of cultures that will be insured. And for comfort of determination of perspective harvest of certain agrarian economy it will be useful to divide territory countries on natural and climatic zones, in that will determine the coefficient of the middle productivity of agricultural cultures, comparing this coefficient of the middle productivity on all insurance zone and certain economy for a few last years. It is suggested to expect the parameters of the insurance program of agricultural culture, taking into account the sets of different values of correcting coefficients. Methodology over of actuarial calculations of insurance tariffs is brought in relation to insurance of sowing of agricultural produce. The optimal variant of application of economic-mathematical models offers in actuarial calculations for insurance of agricultural cultures.