MOL-MULK SUG‘URTASIDA RISKLARNI BAHOLASH VA ANDERRAYTING METODOLOGIYASINI TAKOMILLASHTIRISH
DOI:
https://doi.org/10.55439/INS/vol3_iss5/507##article.subject##:
mol-mulk sug‘urtasi, anderrayting, riskni baholash, riskni tasniflash, falokatli risklarni modellashtirish, himoyaviy bo‘shliq, sun’iy intellekt, parametrik sug‘urta, seysmik risk, elektron texnik pasport, anderrayting sikli.##article.abstract##
Maqolada mol-mulk sug‘urtasida risklarni baholash va anderrayting metodologiyasini takomillashtirish nazariy-metodologik va empirik jihatdan tadqiq etilgan. Swiss Re instituti ma’lumotlariga ko‘ra, iqlim o‘zgarishi ta’sirida jahon bo‘yicha tabiiy ofatlardan himoyaviy bo‘shliq 2025-yilda 424 milliard AQSh dollariga yetgan, bu anderrayting metodologiyasini tarixiy ma’lumotlardan kelajakka yo‘naltirilgan modellarga o‘tkazishni talab qilmoqda. Tadqiqotda riskni tasniflash nazariyasi bilan falokatli risklarni modellashtirishning to‘rt tarkibiy tuzilmasi birlashtirilib, zamonaviy anderraytingning yagona ikki bosqichli nazariy modeli shakllantirilgan hamda jahon amaliyotidagi uch metodologik yondashuv, ya’ni an’anaviy aktuar usul, falokatli modellashtirish dasturlari va sun’iy intellekt asosidagi yondashuv qiyosiy tahlil qilingan. Tadqiqot doirasida aniqlangan eng muhim natija shundan iboratki, O‘zbekiston Respublikasida seysmik xavfsizlik sohasida yaratilgan davlat infratuzilmasi, binolarning elektron texnik pasportlari platformasi va avtomatik monitoring tizimi — anderrayting metodologiyasini takomillashtirish uchun hali foydalanilmagan noyob resurs hisoblanadi. Tadqiqot natijalari asosida aniq ilmiy-amaliy takliflar ishlab chiqildi.
References
Swiss Re Institute (2026). sigma 1/2026: Natural catastrophes in 2025 — the persistent rise of wildfire and storm risk. Natural catastrophe protection gap estimated at USD 424 billion in 2025. URL: https://www.swissre.com/institute/research/topics-and-risk-dialogues/climate-and-natural-catastrophe-risk/growing-exposure/Natcat-protection-gap.html
Munich Re. (2025). Natural disaster figures 2024. Global economic losses USD 318 billion, of which 43% (USD 137 billion) insured. Cited in: Green Engagement Network (2026). The insurance ecosystem in a world with climate change. URL: https://green-engagement.org/the-insurance-ecosystem-in-a-world-with-climate-change/
Munich Re. Official statement on uninsurable properties due to location-based climate risk. Cited in: IMD Business School. (2025). Climate change — the emergence of uninsurable areas: businesses must act now or pay later. URL: https://www.imd.org/ibyimd/sustainability/climate-change-the-emergence-of-uninsurable-areas-businesses-must-act-now-or-pay-later/
AllAboutAI. (2025, November). AI in Insurance Statistics 2026: $10.24B Market Redefining Risk & Claims. 91% of insurers globally have integrated some form of AI into their operations (CoinLaw Statistics). URL: https://www.allaboutai.com/resources/ai-statistics/ai-in-insurance/
Market.us. (2025). AI-Powered Insurance Underwriting Market Size — CAGR of 44%. Machine learning in underwriting has improved accuracy by 54%. URL: https://market.us/report/ai-powered-insurance-underwriting-market/
AllAboutAI. (2025). AI in Insurance Statistics 2026. Global AI in insurance market reached $10.24 billion in 2025 with 32.8% CAGR. URL: https://www.allaboutai.com/resources/ai-statistics/ai-in-insurance/
Market.us. (2025). AI-Powered Insurance Underwriting Market — USD 2.85 billion (2024) → USD 674.1 billion (2034), CAGR 44.7%. URL: https://market.us/report/ai-powered-insurance-underwriting-market/
Kunreuther, H., Hogarth, R., Meszaros, J., Spranca, M. (1995). Ambiguity and underwriter decision processes. // Journal of Economic Behavior and Organization. — Vol. 26(3). — pp. 337–352. DOI: 10.1016/0167-2681(94)00071-J. (Scopus, Q1)
Grossi, P., Kunreuther, H., Windeler, D. (2005). An Introduction to Catastrophe Models and Insurance. // In: Catastrophe Modeling: A New Approach to Managing Risk. — Vol. 25. — Boston: Springer. — pp. 23–42. DOI: 10.1007/0-387-23129-3_2. (Scopus)
Berger, L.A. (1988). A model of the underwriting cycle in the property/liability insurance industry. // The Journal of Risk and Insurance. — Vol. 55(2). — pp. 298–306. DOI: 10.2307/253329. (Scopus, Q1).
Boyer, M.M., Jacquier, E., Van Norden, S. (2012). Are underwriting cycles real and forecastable? // The Journal of Risk and Insurance. — Vol. 79(4). — pp. 995–1015. DOI: 10.1111/j.1539-6975.2011.01458.x. (Scopus, Q1)
XPRIMM. (2026, mart 19). STATISTICS: UZBEKISTAN, FY2025. URL: https://www.xprimm.com/STATISTICS-UZBEKISTAN-FY2025-Non-life-insurance-generates-over-95-of-total-GWP-articol-35-24568.htm
Rothschild, M., Stiglitz, J. (1976). Equilibrium in Competitive Insurance Markets: An Essay on the Economics of Imperfect Information. // The Quarterly Journal of Economics. — Vol. 90(4). — pp. 629–649. DOI: 10.2307/1885326. (Scopus, Q1)
Cohen, A., Siegelman, P. (2010). Testing for Adverse Selection in Insurance Markets. // The Journal of Risk and Insurance. — Vol. 77(1). — pp. 39–84. DOI: 10.1111/j.1539-6975.2009.01337.x. (Scopus, Q1)
Stone, J. (1973). A Theory of Capacity and the Insurance of Catastrophe Risks (Part I and Part II). // The Journal of Risk and Insurance. — Vol. 40(2). — pp. 231–243; DOI.org/10.2307/252115(Scopus, Q1)
Grossi, P., Kunreuther, H. Catastrophe Modeling: A New Approach to Managing Risk. — Vol. 25. — Boston: Springer. — pp. 23–42. DOI: 10.1007/0-387-23129-3_2. (Scopus)
Kunreuther, H., Hogarth, R., Meszaros, J., Spranca, M. (1995). Ambiguity and underwriter decision processes. // Journal of Economic Behavior and Organization. — Vol. 26(3). — pp. 337–352. DOI: 10.1016/0167-2681(94)00071-J. (Scopus, Q1)
Berger, L.A. (1988). A Model of the Underwriting Cycle in the Property/Liability Insurance Industry. // The Journal of Risk and Insurance. — Vol. 55(2). — pp. 298–306. DOI: 10.2307/253229. (Scopus, Q1)
Boyer, M.M., Jacquier, E., Van Norden, S. (2012). Are Underwriting Cycles Real and Forecastable? // The Journal of Risk and Insurance. — Vol. 79(4). — pp. 995–1015. DOI: 10.1111/j.1539-6975.2011.01458.x. (Scopus, Q1)
Lane, M.N. (2000). Pricing Risk Transfer Transactions. // ASTIN Bulletin: The Journal of the International Actuarial Association. — Vol. 30(2). — pp. 259–293. DOI: 10.2143/AST.30.2.504635. (Scopus, Q1)
Möhr, C., Yong, J., Zweimüller, M. (2025). Mind the climate-related protection gap – reinsurance pricing and underwriting considerations. // FSI Insights on Policy Implementation. — No. 65. — Basel: Bank for International Settlements (Financial Stability Institute). URL: https://www.bis.org/fsi/publ/insights65.pdf
Moody's RMS. Catastrophe Risk Modeling — over 400 models in nearly 100 countries. URL: https://www.rms.com/catastrophe-modeling ; Nasdaq/Verisk. (2025, April 2). Verisk Acquires Nasdaq Risk Modelling for Catastrophes — access to 300+ third-party models. URL: https://ir.nasdaq.com/node/108766/pdf
O‘zbekiston Respublikasining 2021-yil 13-sentabrdagi O‘RQ-713-son «O‘zbekiston Respublikasi aholisi va hududining seysmik xavfsizligini ta’minlash to‘g‘risida»gi Qonuni. URL:https://lex.uz/uz/docs/5630180
O‘zbekiston Respublikasi Prezidentining 2022-yil 30-maydagi PF-144-son «O‘zbekiston Respublikasining seysmik xavfsizligini ta’minlash tizimini yanada takomillashtirish chora-tadbirlari to‘g‘risida»gi Farmoni. URL: https://lex.uz/docs/6039506
Gazeta.uz. (2024, 18 aprel). O‘zbekistonda seysmik xavfsizlik va zilzilaga tayyorgarlik ko‘rish ishlari kuchaytiriladi. URL: https://www.gazeta.uz/uz/2024/04/18/quakes/
Downloads
##submissions.published##
How to Cite
##issue.issue##
##section.section##
License
Copyright (c) 2026 Tuxtarova Maftuna Yo‘ldashboy qizi
This work is licensed under a Creative Commons Attribution 4.0 International License.
