SUG‘URTA BOZORI FAOLIYATINI RAQAMLI TEXNOLOGIYALAR ASOSIDA TRANSFORMATSIYALASH VA UNING RAQOBATBARDOSHLIGINI OSHIRISH MASALALARI
##semicolon##
https://doi.org/10.5281/zenodo.17576634##semicolon##
Sug‘urta bozori, raqamli texnologiyalar, sun’iy intellekt, blokcheyn, insurtech, raqobatbardoshlik, transformatsiya, iqtisodiy samaradorlik, O‘zbekiston##article.abstract##
Mazkur maqolada O‘zbekiston sug‘urta bozorini raqamli texnologiyalar asosida transformatsiya qilish
masalalari o‘rganilgan. Sug‘urta sohasida sun’iy intellekt, blokcheyn, katta ma’lumotlar (big data), bulutli servislar va mobil
ilovalarning tatbiqi tahlil qilindi. Tadqiqotda xalqaro va milliy tajribalar solishtirilib, raqamli xizmatlar ulushi va sug‘urta
mukofotlari hajmi o‘rtasidagi bog‘liqlik korrelyatsion-regression tahlil yordamida aniqlangan. Natijalarga ko‘ra, raqamli
xizmatlarning ulushi 1 foizga oshirilganda sug‘urta mukofotlari hajmi o‘rtacha 0,7 foizga ko‘payishi qayd etildi. SWOT
tahlil orqali milliy sug‘urta bozorining kuchli va zaif tomonlari, imkoniyatlari va tahdidlari belgilandi. Maqolada texnologik
infratuzilmani rivojlantirish, davlat tomonidan qo‘llab-quvvatlash, kadrlar malakasini oshirish va xalqaro tajribalarni
adaptatsiya qilish bo‘yicha takliflar ishlab chiqildi
##submission.citations##
1. Porter, M. E., Heppelmann, J. E. How Smart, Connected Products Are Transforming Companies. Harvard Business
Review. – 2019.
2. Tapscott, D. Digital Economy: Rethinking Promise and Peril in the Age of Networked Intelligence. – McGraw-Hill, 2016.
3. Brynjolfsson, E., McAfee, A. The Second Machine Age: Work, Progress, and Prosperity in a Time of Brilliant
Technologies. – W. W. Norton & Company, 2014.
4. OECD. Digital Disruption in Insurance: Challenges and Opportunities. OECD Publishing, Paris, 2020.
5. O‘zbekiston Respublikasi Moliya vazirligi. Sug‘urta bozorini rivojlantirish bo‘yicha 2024-yilgi hisobot. – Toshkent, 2024.
6. O‘zbekiston Respublikasi Markaziy banki. Moliyaviy barqarorlik sharhi. – Toshkent, 2023.
7. Eling, M., Lehmann, M. The Impact of Digitalization on the Insurance Value Chain and the Insurability of Risks. The
Geneva Papers on Risk and Insurance. – 2018.
8. PwC. Top Insurance Industry Issues in 2023. – London, 2023
9. World Bank. Global Financial Development Report: Financial Inclusion. – Washington D.C., 2022.
10. Werner, M. Blockchain in Insurance – Opportunities and Challenges. Journal of Insurance Regulation. – 2020.
11. Schmidt, J., Brock, C. Artificial Intelligence in the Insurance Industry. Risk Management and Insurance Review. – 2021.
12. McKinsey & Company. Insurance 2030: The Impact of AI on the Future of Insurance. – 2022.
13. Swiss Re Institute. Digital Transformation in Insurance Markets. – Zurich, 2021.
14. OECD. The Role of InsurTech in Insurance Markets. – Paris, 2022.
15. Karimov, I., Nuraliyev, F. O‘zbekiston sug‘urta bozorida elektron platformalarni joriy etish zarurati. TATU Ilmiy axborotlari.
– Toshkent, 2021.
16. O‘zbekiston Respublikasi Prezidentining PQ-5177-son qarori. Sug‘urta xizmatlarini rivojlantirish chora-tadbirlari
to‘g‘risida. – Toshkent, 2021.
17. IMF. Insurance Sector and Financial Stability. – Washington D.C., 2020.
18. O‘zbekiston Respublikasi Davlat statistika qo‘mitasi. Rasmiy statistik ma’lumotlar to‘plami. – Toshkent, 2024.
19. German Insurance Association (GDV). Digitalization in the German Insurance Market. – Berlin, 2021.
20. Kaplan, R. S., Norton, D. P. The Balanced Scorecard: Translating Strategy into Action. – Harvard Business School
Press, 1996.
21. Gujarati, D. N., Porter, D. C. Basic Econometrics. – McGraw-Hill, 2009.
22. O‘zbekiston Respublikasi Moliya vazirligi. Sug‘urta faoliyati to‘g‘risidagi yillik hisobot. – Toshkent, 2024.
23. European Insurance and Occupational Pensions Authority (EIOPA). Digital Transformation Report. – Frankfurt, 2022.
24. Nuriddinov, S. Raqamli iqtisodiyotda moliya bozorini rivojlantirishning nazariy asoslari. Iqtisodiyot va innovatsiyalar
jurnali. – Toshkent, 2022.
25. Muallif hisob-kitoblari O‘zbekiston Respublikasi Moliya vazirligi ma’lumotlari asosida. – 2024.
26. Deloitte. The Future of Insurance: Digital Transformation and Emerging Technologies. – 2023.
27. Accenture. Insurance Reinvented: AI and Blockchain in Financial Services. – New York, 2021.
28. UNDP. Financial Literacy and Trust in Insurance Markets. – New York, 2022.
##submission.downloads##
##submissions.published##
##issue.issue##
##section.section##
##submission.license##
##submission.copyrightStatement##
##submission.license.cc.by4.footer##