HAYOT SUG‘URTASINING MOLIYAVIY TIZIMDAGI O‘RNI VA IQTISODIY AHAMIYATI
Ключевые слова:
Kalit so‘zlar: Hayot sug‘urtasi, moliyaviy xavfsizlik, milliy iqtisodiyot, jamg‘aruvchan instrument, ijtimoiy himoya, kapital bozorlari, davlat byudjeti, xalqaro tajriba, O‘zbekiston, moliyaviy tizim., Keywords: Life insurance, financial security, national economy, savings instrument, social protection, capital markets, state budget, international experience, Uzbekistan, financial system.Аннотация
Annotatsiya: Bugungi kunda sug‘urta bozori, ayniqsa hayot sug‘urtasi, nafaqat moliyaviy xavfsizlikni ta’minlash, balki milliy iqtisodiyotning barqaror rivojlanishida muhim omil sifatida maydonga chiqmoqda. Jahon tajribasi shuni ko‘rsatmoqdaki, hayot sug‘urtasi jamg‘aruvchan moliyaviy instrument sifatida fuqarolarning ijtimoiy himoyasini kuchaytirish, kapital bozorlarini rivojlantirish va davlat byudjetiga yuklamani kamaytirishda muhim rol o‘ynaydi. Ushbu maqolada hayot sug‘urtasining moliyaviy tizimdagi o‘rni, xalqaro amaliyot va O‘zbekiston tajribasi asosida iqtisodiy ahamiyati tahlil qilinadi.
Annotation: Today, the insurance market—particularly life insurance—is emerging not only as a means of ensuring financial security but also as a key factor in the stable development of the national economy. Global experience shows that life insurance, as a savings-based financial instrument, plays an important role in strengthening social protection for citizens, developing capital markets, and reducing the burden on the state budget. This article analyzes the role of life insurance in the financial system and its economic significance based on international practices and Uzbekistan’s experience.
