The handicap index is then calculated using the average of the best 10 differentials of the player's past 20 total rounds, multiplied by 0.96. Any digits in the handicap index after the tenths are truncated. If a golfer has at least 5 but fewer than 20 rounds posted, the index is calculated using from one to nine differentials according to the following schedule:

Updates to a golfer's index are calculated periodically according to schedules provided by state and regional golf associations.

The handicap index is used with the course's slope rating to determine the golfer's course handicap according to the following formula... http://en.wikipedia.org/wiki/Handicap_(golf)
d. Clasificarea permanenta a jucatorilor este data de coeficientul de Handicap al acestora. Doar sportivii legitimati pot fi posesorii coeficientului de Handicap. F.R.Golf detine, in exclusivitate pe teritoriul Romaniei, licenta sistemului de handicap al EGA, al carei membra este, si aplica regulamentul de calcul al acestui organism. Modificarea Handicapului unui jucator legitimat se poate realiza exclusiv in competitii din Calendarul Competitional al F.R.Golf.
http://www.frgolf.ro/wp-content/uploads/2014/06/Regulament-c...

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Note added at 21 mins (2014-07-11 17:42:15 GMT)
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A USGA Handicap Index is a numeral, to one decimal place, that represents a golfer's potential for scoring. A handicap index of 14.5, for example, indicates that a golfer will, on his or her best days, shoot somewhere around 14 or 15 strokes over par.
Handicap Index is not an average of a golfer's scores, but rather an estimate of what the golfer might shoot on his or her best days.
http://golf.about.com/cs/golfterms/g/bldef_handindex.htm

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Note added at 30 mins (2014-07-11 17:51:09 GMT)
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Cu mare plăcere!:)