关键词: 水稻, 高温热害, 天气指数, 农业保险

Abstract: ased on daily meteorological data in Nanling County，Anhui Province from 1991 to 2001 and investigated main agrometeorological disaster type of regional rice during growing season，heat damage at booting filling stage was selected to design the model，due to the fact that heat damage has a serious effect on pollination and even reduced the yield. The daily maximum temperature more than 35℃（include 35℃）in 3 days continuously from July 21 to August 15 was defined as a high temperature process and taking accumulative value of daily effective high temperature difference as the heat damage weather index of rice insurance（ST）. 10℃ was considered as payment trigger value and in accordance with the extent of the disaster，the higher the extend the larger the payment standard. Through separation and detrended treatment of rice yield from 1991 to 2011 in Nanling County，yields and currency losses each year which caused by changes of weather conditions，was calculated. Comparing to the probability of occurrence of weather index and historical yield loss，the trigger value and the payment standard of index insurance payments was determined，and heat damage weather index model was established. Combining with the actual disaster situations，the calculation process of model was applied in Nanling County through setting the parameter values. The weather index insurance product had strong operational，which could provide a reference for similar areas of heat damage weather index insurance.

Key words: Rice, Heat damage, Weather index, Agricultural insurance