SHAXSIY SUG‘URTA TURLARINI RIVOJLANTIRISHNING ILG‘OR XORIJ TAJRIBASI
DOI:
https://doi.org/10.55439/INS/vol3_iss5/505##article.subject##:
shaxsiy sug‘urta, hayot sug‘urtasi, bancassurance, annuitet, sug‘urta penetratsiyasi, davlat subsidiyasi, tarqatish kanallari, soliq imtiyozi, moliyaviy inklyuzivlik.##article.abstract##
Mazkur tadqiqotda shaxsiy sug‘urta turlarini rivojlantirishning ilg‘or xorij tajribasi nazariy va empirik jihatdan o‘rganilgan. Shaxsiy sug‘urta turlarini rivojlantirish borasidagi rivojlangan davlatlar (AQSh, Buyuk Britaniya, Germaniya, Yaponiya va Janubiy Koreya) tajribasi kompleks tahlil qilinib, O‘zbekiston sharoitiga moslashtirilgan amaliy yondashuvlar berilgan. Ushbu davlatlarning shaxsiy sug‘urta modellari (tartibga solish tizimi, ustuvor mahsulotlar, tarqatish kanallari) o‘zaro solishtirilgan. O‘zbekistonda shaxsiy sug‘urta bozorining hozirgi holati va rivojlanish dinamikasi baholangan. Tadqiqot natijalari asosida turli ilg‘or xorijiy modellarni O‘zbekistonning mavjud bank tarmog‘i, mahalla tizimi va davlat an’analariga moslashtiruvchi o‘ziga xos gibrid yondashuvlar taklif etilgan.
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