QAYTA SUG‘URTA KO‘RSATKICHLARI VA SUG‘URTA KOMPANIYALARI RENTABELLIGI O‘RTASIDAGI BOG‘LIQLIK: O‘ZBEKISTONNING YIRIK SUG‘URTA KOMPANIYALARI MISOLIDA
DOI:
https://doi.org/10.5281/zenodo.23384172Abstract
Maqolada qayta sug‘urta faoliyatini tavsiflovchi ko‘rsatkichlar bilan sug‘urta kompaniyalari rentabelligi o‘rtasidagi bog‘liqlik O‘zbekistonning to‘rtta yirik sug‘urta kompaniyasi — “O‘zagrosug‘urta”, “O‘zbekinvest”, “Kafolat sug‘urta” va “Apex Insurance”ning 2019–2024-yillardagi ma’lumotlari asosida tahlil qilinadi. Qayta sug‘urta qabul qilish va berish darajasi, qayta sug‘urtalanmagan risklar ulushi hamda aktivlar va kapital rentabelligi, texnik rentabellik va sof foyda o‘rtasida Pirson korrelyatsiyasi hisoblanib, uning statistik ahamiyati tekshirildi. Qayta sug‘urta berish darajasi texnik rentabellik bilan musbat, qayta sug‘urta qabul qilish darajasi esa sof foyda bilan manfiy bog‘langani aniqlandi. Markaziy bankning asosiy stavkasi va majburiyatlar yuki rentabellik bilan teskari bog‘liqlikka ega. Natijalar asosida kompaniyalar darajasida qayta sug‘urta strategiyasini ishlab chiqish bo‘yicha takliflar berilgan.Keywords
qayta sug‘urta, sug‘urta kompaniyasi, rentabellik, texnik rentabellik, qayta sug‘urta berish darajasi, korrelyatsion tahlil, O‘zbekistonReferences
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