O‘ZBEKISTON SUG‘URTA BOZORI PORTFELI TAHLILI
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https://doi.org/10.5281/zenodo.17835928##semicolon##
sug‘urta portfeli, diversifikatsiya, risklarni boshqarish, Solvency II, O‘zbekiston sug‘urta bozori, hayot sug‘urtasi, moliyaviy barqarorlik, qayta sug‘urtalash, portfel rentabelligi, Markowitz nazariyasi.##article.abstract##
Mazkur maqolada O‘zbekiston sug‘urta bozori portfelining tarkibiy-strategik xususiyatlari, diversifikatsiya
darajasi va moliyaviy barqarorlikka ta’siri kompleks tahlil qilinadi. Tadqiqotda sug‘urta portfeli tushunchasining nazariy
asoslari Markowitz portfel nazariyasi, Swiss Re Institute tahlillari, IAIS hamda OECD standartlari asosida yoritilib, ilmiy
yondashuvlarning turli modellari qiyosiy baholangan. O‘zbekiston sug‘urta bozorida umumiy sug‘urta segmentining
keskin ustunligi, hayot sug‘urtasining sust rivojlanishi, to‘lov qobiliyati koeffitsiyentlarining pastligi va qayta sug‘urtaning
yetarli darajada shakllanmaganligi kabi muammolar statistik ma’lumotlar orqali tahlil etiladi. Shuningdek, sug‘urta
xizmatlari diversifikatsiyasining cheklanganligi, sug‘urta madaniyatining pastligi hamda Solvency II talablari bilan yetarli
mos kelmaydigan tartibga solish amaliyoti O‘zbekiston sug‘urta bozorining asosiy to‘siqlari sifatida aniqlanadi. Maqolada
portfel boshqaruvini takomillashtirish bo‘yicha ilmiy asoslangan takliflar ham ishlab chiqiladi
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1. Swiss Re Institute. (2023). World Insurance: Global Review and Outlook 2023. https://www.swissre.com/institute
2. Markowitz, H. (1952). Portfolio Selection. The Journal of Finance, 7(1), 77-91. https://doi.org/10.2307/2975974
3. International Association of Insurance Supervisors (IAIS). (2022). Risk-Based Global Insurance Capital Standard.
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5. International Association of Insurance Supervisors (IAIS). (2022). Global Insurance Market Report (GIMAR) 2022.
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Publishing. https://www.oecd.org
8. Shirvani, A. (2021). Insurance Portfolio Management in the Era of Digital Transformation.
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