Ensuring Macroeconomic Stability and National Sustainable Development in the Context of the Green Economy: Problems and Solutions

This Republican Scientific and Practical Conference was organized by the Department of Economics and Finance of the Andijan Branch of Turon University on November 13–14, 2026, in accordance with Order No. 11 of the Ministry of Higher Education, Science and Innovation of the Republic of Uzbekistan, dated January 16, 2026, “On Approval of the Plans for Scientific and Scientific-Technical Events to Be Held at International and National Levels in 2026.”

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Oʻzbekcha

O‘ZBEKISTONDA MULKIY SUG‘URTALASH AMALIYOTINI TAKOMILLASHTIRISH YO‘NALISHLARI

Published
14.11.2026
Journal
Ensuring Macroeconomic Stability and National Sustainable Development in the Context of the Green Economy: Problems and Solutions
Issue
Ensuring Macroeconomic Stability and National Sustainable Development in the Context of the Green Economy: Problems and Solutions
Pages
180-184
DOI
10.5281/zenodo.24184098

Authors

Abstract

Ushbu maqolada O‘zbekiston Respublikasi sug‘urta bozorining zamonaviy rivojlanish tendensiyalari, xususan, umumiy sug‘urta tarmog‘iga kiruvchi mulkiy sug‘urtalash amaliyotining hozirgi holati tahlil qilingan. Tadqiqot doirasida so‘nggi yillarda yalpi sug‘urta mukofotlari va to‘lovlari dinamikasida kuzatilayotgan o‘zgarishlar, shuningdek, sohani raqamlashtirish (InsurTech) darajasi o‘rganilgan. Tahlillar natijasida aholi va tadbirkorlik subyektlari o‘rtasida ixtiyoriy mulkiy sug‘urta qamrovining pastligi, risklarni baholash (anderrayting) tizimining mukammal emasligi va mustaqil surveyorlik institutining sust rivojlanganligi kabi tizimli muammolar aniqlangan. Maqolada ushbu kamchiliklarni bartaraf etish hamda milliy mulkiy sug‘urta amaliyotini takomillashtirish bo‘yicha xalqaro tajribaga asoslangan institutsional va texnologik tavsiyalar, jumladan, "Yagona oyna" sug‘urta ekotizimini yaratish loyihasi ilgari surilgan.

Keywords

mulkiy sug‘urta sug‘urta mukofoti sug‘urta tovonlari InsurTech anderrayting surveyorlik instituti risk-boshqaruv moliyaviy barqarorlik

Other language versions

Русский
В данной статье анализируются современные тенденции развития страхового рынка Республики Узбекистан, в частности, текущее состояние практики имущественного страхования, входящего в отрасль общего страхования. В рамках исследования изучены изменения в динамике совокупных страховых премий и выплат за последние годы, а также уровень цифровизации (InsurTech) отрасли. В результате анализа выявлены такие системные проблемы, как низкий охват добровольным имущественным страхованием среди населения и субъектов предпринимательства, несовершенство системы оценки рисков (андеррайтинга) и слабое развитие института независимых сюрвейеров. В статье выдвинуты институциональные и технологические рекомендации, основанные на международном опыте, по устранению этих недостатков и совершенствованию национальной практики имущественного страхования, включая проект создания страховой экосистемы «Единое окно».
имущественное страхование страховая премия страховые выплаты InsurTech андеррайтинг институт сюрвейеров риск-менеджмент финансовая стабильность
English
This article analyzes the modern development trends of the insurance market of the Republic of Uzbekistan, particularly the current state of property insurance practice, which belongs to the general insurance branch. Within the scope of the study, changes in the dynamics of gross insurance premiums and claims in recent years, as well as the level of digitalization (InsurTech) in the sector, are examined. The analysis revealed systemic issues such as low voluntary property insurance coverage among the population and business entities, imperfect risk assessment (underwriting) systems, and underdevelopment of the independent surveyor institution. Based on international experience, the article proposes institutional and technological recommendations to eliminate these shortcomings and improve national property insurance practices, including a project for creating a "Single Window" insurance ecosystem.
property insurance insurance premium insurance claims InsurTech underwriting surveyor institution risk management financial stability

References

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