Globallashuv sharoitida xalqaro sug’urta bozori va sug’urta operatsiyalarining o’rni
Keywords:
xalqaro sug’urta, sug’urta turi, mukofoti, faoliyati, sug’urta badali, franshizaAbstract
Mamlakatimizda amalga oshirilayotgan iqtisodiy islohotlarning chuqurlashuvi, davlat mulkining xususiylashtirilishi, tadbirkorlik faoliyatining barqaror sur’atlarda rivojlanishi ishlab chiqarish faoliyati va fuqarolarning manfaatlari bilan bog’liq zararlarning qoplanishida sug’urtalashga bo’lgan talabning oshib borishidan, sug’urtalash sohasi munosabatlariga yangi sug’urta obyektlari va subyektlari jalb etilishi orqali bo’sh mablag’larni investitsiyaga jalb etgan holda daromadlar ko’paytirilishidan dalolat beradi. Jahon iqtisodiyoti va global moliya tizimining uzluksiz rivojlanishi sharoitida sug’urta tizimi va uning asosiy komponenti, sug’urta bozorining ahamiyati ortib bormoqda. Birinchidan, jahon amaliyotida sug’urta tizimi ma’lum bir fondlarni shakllantirish va xo’jalik yurituvchi subyektlarning mablag’arini qayta taqsimlash munosabatlari orqali iqtisodiyotda investitsiyalarning eng katta manbalaridan biri hisoblanadi. Ikkinchidan, sug’urta zamonaviy iqtisodiyotda murakkab va o’sish tendensiyasiga ega bo’lgan risklarni boshqarishning asosiy shakllaridan biridir. Bundan tashqari, sug’urtalangan shaxsning mulkiy manfaatlarini himoya qilishni ta’minlash doimiy ravishda takror ishlab chiqarish jarayonnini yuzaga keltiradi, bu esa iqtisodiy va moliyaviy barqarorlikni ta’minlashga yordam beradi.
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https://www.insuranceeurope.eu/publications/2674/european-insurance-preliminary-figures-2021/
