{"id":17164,"date":"2021-11-29T18:15:35","date_gmt":"2021-11-29T15:15:35","guid":{"rendered":"https:\/\/aicuz.com\/2021\/11\/29\/itogi-xiii-tashkentskoj-mezhdunarodnoj-konferenczii-po-strahovaniyu-i-perestrahovaniyu\/"},"modified":"2023-09-27T13:17:51","modified_gmt":"2023-09-27T08:17:51","slug":"itogi-xiii-tashkentskoj-mezhdunarodnoj-konferenczii-po-strahovaniyu-i-perestrahovaniyu","status":"publish","type":"post","link":"https:\/\/mosaic.beto.uz\/uz\/itogi-xiii-tashkentskoj-mezhdunarodnoj-konferenczii-po-strahovaniyu-i-perestrahovaniyu\/","title":{"rendered":"Sug'urta va qayta sug'urtalash bo'yicha XIII Toshkent xalqaro konferensiyasi natijalari"},"content":{"rendered":"
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Toshkentda sug'urta va qayta sug'urtalash bo'yicha XIII xalqaro konferensiya yakunlandi Buyuk Britaniya, Qozog'iston, Ukraina, Mo'g'uliston<\/strong> va mahalliy kompaniyalar vakillari hisobot berishdi.<\/p>

Ishtirokchilar O'zbekistonda sug'urta bozorining bugungi holati va uning rivojlanish istiqbollari, global tendentsiyalar, sug'urta bozorining har tomonlama rivojlanishiga to'sqinlik qilayotgan muammolarni muhokama qildilar.<\/p>

O'zbekiston sug'urta bozori hali katta emas (jahon bozoridagi ulushi 0,003%), lekin bozor tez sur'atlar bilan o'sib bormoqda. 2016-2019 yillarda sug'urta mukofotlarining o'sishi o'rtacha + 50%, 2020 yilda -6% 2019 yilga nisbatan 9 oy davomida 2021 tezlashtirilgan o'sish + 66% ni tashkil etdi. Karantin qoidalarining joriy etilishi, ayrim kompaniyalarning masofadan turib ishlamasligi va karantin davrida aholi daromadlarining kamayishi pasayishning asosiy sabablari hisoblanadi.<\/p>

Biroq, sug'urta mahsulotlarining penetratsion darajasi 0,4% juda past darajada qolmoqda, rivojlangan mamlakatlarda esa penetratsion darajasi 12% ga etadi. Dunyoda aholi jon boshiga sug'urta mukofotlari $ 1000, O'zbekistonda $ 6 ga teng. Bu mahsulotning past narxi haqida gapiradi. Shu bilan birga, ro'yxat rahbari Gonkongda bu ko'rsatkich 8,5 ming dollarni tashkil etadi. Buning sababi iqtisodiyotning xom ashyo tarmoqlariga kuchli bog'liqligi, sug'urta madaniyati pastligi va aholining kam daromadlari, davlat sug'urtalovchisi va sug'urtalovchilar uchun uzoq muddatli rivojlanish strategiyalarining yo'qligi. Qayta sug'urta munosabatlarining roli ham qayd etildi. Jahon bozori uchun umumiy mukofotlar 6,274 yilda 2020 milliard dollarni tashkil etdi. Bozor bo'ylab qayta sug'urta mukofotlari hajmi ko'p yillar davomida barqaror bo'lib, yiliga o'rtacha 315 milliard dollarni tashkil etadi. Shu bilan birga, Rossiya, Qozog'iston va O'zbekistonda qayta sug'urta ulushi jahon bozorida qayta sug'urta ulushining 0,72 foizini tashkil etadi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Ushbu mamlakatlarda milliy bozorlarning muammolari o'xshash va O'zbekistonda, xususan, quyidagilar:<\/strong><\/p><\/div>

- Sug'urtaning past darajada kirib borishi, iste'molchilarning iqtisodiy manfaatlarini zaif himoya qilish<\/p>

- Katta korporativ yo'qotishlarni qoplash uchun o'z imkoniyatlarining etishmasligi, shuningdek yig'ish<\/p>

- Katastrofik xavflarni qoplash = qamrovning past foizi<\/p>

- Fakultativlarning yuqori foizi yuqori ma'muriy xarajatlar va rad etish ehtimoli<\/p>

- Narxlar urushi va demping, etarli sug'urta mukofotlari stavkalarining yo'qligi, yuqori baholangan bozorlarga joylashtirishning iloji yo'qligi<\/p>

- Xavf xavfsizligi va anderraytingning past sifati<\/p>

- Sug'urta kompaniyalari kapitallashuv kam darajasi<\/p>

- Statistik ma'lumotlarning etishmasligi va ularning sifati.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Ushbu orqada qolgan segmentdan chiqish uchun mutaxassislar quyidagi choralarni taklif qilishdi:<\/p>

- Majburiy qayta sug'urtalash shartnomalaridan foydalanish amaliyoti \u2013 Shartnoma<\/strong><\/p>

- Katastrofik xavf modellari, majburlovchilar uchun echimlar<\/p>

- Zaxiralar va kapitalni hisoblashda adekvat yondashuv<\/p>

- Jahon bozoriga integratsiyalashuv uchun imidj echimlari<\/p>

- Umumiy narx darajasini barqarorlashtirish<\/p>

- Umumiy xavf sifati va anderrayting<\/p>

- Statistika bizning hamma narsamiz<\/p>

- Sug'urtalovchilar uchun strategik rivojlanish tashabbuslari<\/p>

- Sug'urta sohasini xususiylashtirish<\/p>

- EAEU yagona sug'urta xizmatlari bozorining tashabbusi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Konferentsiya ishtirokchilari O'zbekistonga diqqat bilan qarashni tavsiya qilgan jahon bozoridagi yana bir tendentsiya-bu tavakkalchilikka asoslangan yondashuvni joriy etishdir. Sug'urta kompaniyalari nafaqat sug'urta kompaniyasining mukofoti va majburiyatlari bilan bog'liq xavflarni, balki shu bilan birga aktivlar, kreditlar, bozor risklarini baholaydilar. Bu sizga sug'urta kompaniyasining kapitalini faolroq boshqarish imkonini beradi. Ushbu tendentsiya rivojlanayotgan bozorlarga ham tarqalmoqda, bu xorijiy investorlarni jalb qilish istagi bilan bog'liq bo'lib, ular uchun kapitalni boshqarish nuqtai nazaridan tavakkalchilikka asoslangan yondashuv yanada tushunarli va taqqoslash nuqtai nazaridan ko'proq imkoniyatlar yaratadi.<\/p>

Eng muhimi, forumda yana bir ijobiy lahza bor edi, hamma regulyator \u2013 sug'urta bozorini rivojlantirish agentligi forum ishida boshidan oxirigacha faol ishtirok etganini va aloqa qilishdan qochmaganligini payqadi. Regulyator bizga xususiy sektorga o'zimiz gapirish, bir-birimizni tinglash imkoniyatini berdi va keyin ular butun bozorni tartibga solish uchun to'g'ri choralarni ko'rishlari mumkin. Regulyator sug'urta sohasidagi samarali ish va izchil islohotlar bilan bir qatorda, masala nafaqat sug'urta mukofotlari hajmini oshirish zarurligini ta'kidladi. Sug'urta hamjamiyatining madaniyatini va odamlarning sug'urta himoya ekanligini tushunishini rivojlantirish kerak, bu esa aholi farovonligini yanada oshirish, davlat yukini kamaytirish va sug'urta kompaniyalariga o'z majburiyatlari uchun javobgar bo'lishga imkon beradi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Forum ishtirokchilari sug'urta xizmatlari vositachilari va distribyutorlarining tsivilizatsiyalashgan rivojlanishi masalalariga e'tibor qaratdilar, sug'urta mahsulotlarini sotishda adolatsiz afzalliklar muammolari va ularni hal qilish yo'llarini muhokama qildilar. Quyidagi uchtasi sug'urta vositachilarining xatti-harakatlarining asosiy tamoyillari sifatida keltirilgan:<\/p>

- iste'molchi manfaatlarini maksimal darajada hisobga olgan holda harakat qilish<\/p>

- iste'molchining ehtiyojlari va ehtiyojlarini bilish<\/p>

- tegishli malaka darajasini saqlash.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Malakali kadrlar etishmasligi masalasiga katta e'tibor qaratildi va regulyator va ko'plab ishtirokchilar xodimlarni o'qitish muhimligini ta'kidladilar. Regulyator 2020 yilda\" sug'urta biznesi \" yo'nalishi ixtisoslashtirilgan universitetlarda joriy etildi, bu erda sug'urta kompaniyalari xodimlari imtihonsiz masofaviy o'qishga kirishlari mumkin. Bundan tashqari, aholining sug'urta va moliyaviy savodxonligini oshirish mexanizmlari joriy etiladi. Ta'lim vazirliklari bilan hamkorlikda maktab va universitetlarda moliya bilan bog'liq fanlar joriy etiladi. Mutaxassislar, shuningdek, doimiy ravishda o'qitish zarurligini ta'kidladilar, masalan, har bir sug'urta vositachisi yiliga 15 soatlik tuzilgan faoliyatdan o'tishi kerak, bu sug'urta mavzusida seminarlar, konferentsiyalar yoki maqolalar yozishni o'z ichiga oladi.<\/p>

Mutaxassislar zamonaviy texnologiyalar, bank sug'urtasi va yangi sug'urta mahsulotlari amaliyotidagi so'nggi yutuqlar bilan o'rtoqlashdilar.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Muallif<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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OYBEK N. KHALILOV<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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AIC bosh direktori va ayni paytda O'zbekiston sug'urta bozori Professional ishtirokchilari uyushmasi boshqaruvi raisi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

The XIII International Conference on Insurance and Reinsurance ended in Tashkent, in which experts from the UK, Kazakhstan, Ukraine, Mongolia and representatives of domestic companies made reports. The participants discussed the current state of the insurance market in Uzbekistan and the prospects for its development, global trends, problems that hinder the full development of the […]<\/p>\n","protected":false},"author":1,"featured_media":21857,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-17164","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"_links":{"self":[{"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/posts\/17164","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/comments?post=17164"}],"version-history":[{"count":0,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/posts\/17164\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/media\/21857"}],"wp:attachment":[{"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/media?parent=17164"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/categories?post=17164"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/tags?post=17164"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}