O‘ZBEKISTON SUG‘URTA BOZORINI RIVOJLANTIRISHDA JAHON TAJRIBASINI HISOBGA OLISHNING STRATEGIK JIHATLARI
##semicolon##
Kalit so‘zlar: sug‘urta bozori, sug‘urta polislari, sug‘urta mahsulotlari, sug‘urta sanoati, jahon tajribasi, moliyaviy sector, hayot sug‘urtasi, pensiya sug‘urtasi, tabiiy ofatga qarshi sug‘urtalash barqarorlik, raqamli sug‘urtalash, raqamli texnologiyalar, risklarni boshqarish, strategik rivojlanish, sun’iy intellekt.##article.abstract##
Ushbu maqolada O‘zbekiston sug‘urta bozorining rivojlanish tendensiyalari, mavjud muammolar va ularni hal etishda jahon tajribasini hisobga olishning dolzarbligi yoritilgan. Shuningdek, ilg‘or xorijiy tajribalarni (AQSh, Germaniya, Yaponiya , Hindiston tajribasi) o‘rganish asosida O‘zbekiston sug‘urta tizimini strategik rivojlantirish yo‘nalishlari taklif etiladi.
##submission.citations##
1. Central Bank of Uzbekistan (2024). Sug‘urta kompaniyalari reytinglari va moliyaviy hisobotlar — www.cbu.uz
2. Insurance Regulatory and Development Authority of India (IRDAI). Annual Report 2022–2023. — www.irdai.gov.in
3. Karimov Sh. M., Rajabov B. A. (2020). Moliyaviy bozorlar va institutsiyalar. Toshkent: Iqtisodiyot.
4. Lee, K., & Choi, J. (2020). “Digitalization and Innovation in the Insurance Industry: Evidence from South Korea”. Asian Economic Journal, 34(2), 135–152.
5. Malik, M., & Thomas, S. (2021). Insurance in Emerging Markets: Challenges and Opportunities. Routledge.
6. O‘zbekiston Respublikasi Prezidentining Farmoni “O‘zbekiston Respublikasining sug‘urta bozorini 2021–2025-yillarda rivojlantirish strategiyasi to‘g‘risida” — www.lex.uz
7. O‘zbekiston Respublikasi Statistika agentligi rasmiy ma’lumotlari — www.stat.uz
8. OECD (2022). “Insurance Market Trends” — Organisation for Economic Co-operation and Development. — www.oecd.org
9. Swiss Re Institute (2023). “World Insurance Report”. — https://www.swissre.com
10. World Bank (2023). “Insurance and Risk Financing for Developing Countries”. — www.worldbank.org
