O‘ZBEKISTON MAJBURIY SUG‘URTA BOZORIDA TARIF SIYOSATINI SHAKLLANTIRISH MASALALARI

Nozima Qo‘ziyeva

GREEN ECONOMY AND DEVELOPMENT, 2026, vol. 4, issue 6

Abstract: Mazkur maqolada O‘zbekiston majburiy sug‘urta bozorida tarif siyosatini shakllantirishningnazariy, uslubiy va amaliy jihatlari tadqiq etilgan. Majburiy sug‘urta bo‘yicha sug‘urta mukofotlari va to‘lovlaridinamikasi, to‘lovlar darajasi, tariflarning aktuariy yetarliligi hamda ularning sug‘urtalovchilar moliyaviybarqarorligiga ta’siri tahlil qilingan. Tadqiqot natijalari amaldagi tarif stavkalari inflyatsiya, zararlar chastotasiva og‘irligi, hududiy hamda individual risk omillariga to‘liq moslashmaganini ko‘rsatdi. Tarif siyosatinitakomillashtirish maqsadida bazaviy stavkalarni davriy indeksatsiya qilish, riskga asoslangan koeffitsiyentlarva bonus-malus tizimini joriy etish, shuningdek, tariflarni yagona axborot bazasi asosida aktuariy baholashbo‘yicha takliflar ishlab chiqilgan.

Keywords: majburiy sug‘urta; tarif siyosati; sug‘urta tarifi; aktuariy baholash; sug‘urta mukofoti; sug‘urta to‘lovi; to‘lovlar darajasi; moliyaviy barqarorlik; risklarni differensiallash; bonus-malus tizimi. (search for similar items in EconPapers)
Date: 2026
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Persistent link: https://EconPapers.repec.org/RePEc:teu:ged000:v:4:y:2026:i:6:id:11462

DOI: 10.5281/zenodo.21128201

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