{"id":19319,"date":"2022-04-18T08:20:40","date_gmt":"2022-04-18T05:20:40","guid":{"rendered":"https:\/\/aicuz.com\/?p=19319"},"modified":"2023-09-27T13:09:29","modified_gmt":"2023-09-27T08:09:29","slug":"the-insurance-market-in-uzbekistan-results-of-2021","status":"publish","type":"post","link":"https:\/\/mosaic.beto.uz\/uz\/the-insurance-market-in-uzbekistan-results-of-2021\/","title":{"rendered":"O'zbekistonda sug'urta bozori. 2021 yil natijalari"},"content":{"rendered":"
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2016-2019-yillarda sug\u2018urta mukofotlarining yillik o\u2018sishi o\u2018rtacha 50% ni tashkil etdi.<\/h3>

2020-yilda 2019-yilga nisbatan 6% ga kamayishi karantin qoidalarining joriy etilgani, ayrim kompaniyalarda masofaviy ishlashning mavjud emasligi va karantin davrida aholi daromadlarining kamayishi bilan bog\u2018liq. 2021-yilda yig\u2018ilgan sug\u2018urta mukofotlari hajmi 2020-yilga nisbatan 68,6% ga o\u2019sdi va bu ko\u2018rsatkich 3,7 trillion so\u2018mdan oshdi.<\/p>

Yil yakuniga ko\u2019ra hayotni sug\u2019urtalash segmentidagi mukofotlar ikki baravardan ortiq (334,4 milliarddan 717 milliardgacha) oshdi. Bunday keskin o\u2019sish 2020-yilgi pandemiyadan keyin bozorning tiklanishi bilan bog\u2019liq. 2019-yilga nisbatan o\u2018sish 22,3% ni tashkil etdi. Jami mukofotlar portfelida ushbu yo\u2019nalish qariyb 19% ni, sug\u2018urta to\u2018lovlari bo\u2018yicha esa sektor yetakchi hisoblanadi \u2013 616,3 milliard, bu O\u2018zbekistonda to\u2018langan jami tovon puli miqdorining yarmidan bir oz ko\u2018proqdir. Yo\u2018nalishning rivojlanishi asosan ixtiyoriy sug\u2018urta bilan bog\u2018liq. O\u2018zbekiston Respublikasi Prezidentining PQ-5265-son qaroriga muvofiq hayotni sug\u2018urtalash sohasida soliq imtiyozlari hayotni uzoq muddatli sug\u2018urtalashni jadal rivojlantirish imkonini bermoqda. Tejalgan mablag\u2018lar xizmatlar ro\u2018yxatini rivojlantirish va kengaytirishga yo\u2018naltiriladi.<\/p>

Mukofotlarning o\u2019sish sur\u2019ati bo\u2019yicha ikkinchi o\u2019rinni ixtiyoriy umumiy sug\u2019urta egallab turibdi. Hajmning o\u2019sishi 64,7% ni tashkil etdi. Segment bozorning 68% ni egalladi (premium portfel \u2013 2,5 trln). Bu to\u02bblovlarning uchdan biridan ko\u02bbprog\u02bbini (433,7 milliard) tashkil etadi. Ushbu segmentdagi aviatsiya sanoati nisbiy o\u2019sish bo\u2019yicha birinchi o\u2019rinda turadi. Havo kemalarini sug\u2019urtalash (Aviation Hull) 9,66 milliard mukofot yig\u2019di. O\u2019sish 470,4% ni tashkil etdi. Havoda yo\u2019lovchi tashuvchilarning jismoniy va yuridik shaxslar oldidagi javobgarligi doirasida 1,5 mlrd (+487,8%) mukofotlar mavjud edi.<\/p>

Ixtiyoriy umumiy sug\u2019urtaning asosiy yo\u2019nalishi kredit sug\u2019urtasi hisoblanadi. Uning ulushi ushbu segmentdagi barcha mukofotlarning 23,7% ni tashkil qiladi. O\u2018tgan yil davomida 600 milliard so\u2018mdan ortiq mablag\u2018 undirildi, bu o\u2018tgan yilga nisbatan 83,4% ga ko\u2018pdir. Hajmi bo\u02bbyicha ikkinchi o\u02bbrinda yerdagi transport vositalari sug\u02bburtasi (307,4 mlrd.), uchinchi o\u02bbrinda umumiy fuqarolik javobgarligi (207 mlrd.) joylashgan.<\/p>

Umumiy majburiy sug\u2019urta bozorning 13% ni egallagan. Yig\u2018ilgan mukofotlar miqdori 476,7 mlrd.ni tashkil etdi. Ushbu miqdorning deyarli yarmi transport vositalari egalarining fuqarolik javobgarligini sug\u2018urtalash hissasiga to\u2018g\u2018ri keladi \u2013 229,12 mlrd (+30,6%). Undan keyin ish beruvchining fuqarolik javobgarligi \u2013 165,6 mlrd. Bu o\u2018tgan yilga nisbatan 62,3% ga ko\u2018pdir. Yuqori uchlikni qurilish-montaj xatarlari yopib beradi \u2013 42,11 mlrd (+63,6%), faol qurilishlar tufayli, hatto pandemiya davrida ham qurilish-montaj ishlarini majburiy sug\u2018urta qilish bo\u2018yicha to\u2018lovlar miqdori o\u2018sishda davom etdi.<\/p>

Umumiy sug\u2018urta sohasida yangi sug\u2018urta kompaniyalarining (5 ta sug\u2018urta tashkiloti, shu jumladan 1 tasi 100% xorijiy kapital bilan \u2013 Azimuth Insurance Company) ochilishi ham sug\u2018urta mukofotlarining o\u2018sishiga ta\u2019sir ko\u2018rsatdi.<\/h3>

2016-yildan 2020-yilgacha bo\u2019lgan davrda investitsion faollik uch baravargacha oshdi. Shu bilan birga, depozitlar hajmi 4,6 barobar, ko\u2018chmas mulk 6,2 barobar, kreditlar hajmi 5,8 barobar oshdi. 2021-yilda jami investitsiyalar hajmi 3746,66 milliard so\u2018mni (+10,8%) tashkil etdi. Investitsiyalarning umumiy hajmida depozitlar 58,9% ni va 2021-yilda o\u2019sish + 21,4% ni tashkil etdi. Ikkinchi o\u2019rinda 29,3% va +14,3% o\u2019sish bilan qimmatli qog\u2019ozlar. Undan keyingi o\u2018rinda ko\u2018chmas mulk 6,6% va -13,3% pasayish kuzatiladi.<\/p>

Biroq, sug\u2019urta bozorining aktivlari va kapitalining o\u2019sishi ancha yaxshi natijalarni ko\u2019rsatishi mumkin va bunga sug\u2019urta bozorining uchta asosiy muammosi to\u2019sqinlik qilmoqda:<\/h3>
  • Sug\u2019urta kompaniyalariga sug\u2019urta zahiralarini oshirishga imkon bermaydigan akvizitsion xarajatlar (komission mukofotlar). Nazarimda, bu ixtiyoriy sug\u2018urta bozoridagi korrupsiyaning yuqori darajasi bilan bog\u2018liq.<\/li>
  • Ixtiyoriy sug\u2019urta toifalarida transchegaraviy qayta sug\u2019urtalashning o\u2019ta yuqori darajasi. Bir tomondan, qayta sug\u2019urtalash sohasidagi muammolar mablag\u2019larning qisman nazoratsiz chet elga chiqib ketishi bilan bog\u2019liq. Boshqa tomondan, qayta sug\u2019urtalash cheklangan bo\u2019lsa, sug\u2019urta kompaniyalari kapitallashuvining yetarli emasligi va ularning katta xatarlarni ushlab tura olmasligiga ta\u2019sir qiladi.<\/li>
  • Bank oynalari orqali sug\u2019urtalash bo\u2019yicha sug\u2019urta bozorida raqobatning deyarli yo\u2019qligi. Banklar va moliyaviy-sanoat guruhlari sug\u2018urta kompaniyalarining sho\u2019ba korxonalarini tashkil etib, shu orqali boshqa sug\u2018urta kompaniyalarini o\u2018z mijozlari bilan bog\u2018lash imkoniyatidan chetda qoldirib, mijoz o\u2018z guruhida imkon qadar ko\u2018proq pul mablag\u2018larini qoldirishi uchun faqat o\u2018z iqtisodiy manfaatlarini ko\u2018zlaydi. Agar raqobat mavjud bo\u2019lsa, bu mutlaqo oqilona va asosli harakat. U yo\u2018q bo\u2018lganda sug\u2018urta sohasining sifat jihatidan rivojlanishiga katta zarar yetkazadi.<\/li><\/ul>

    Bozor iqtisodiy liberallashtirish dasturi ta\u2019sirini ko\u2019zdan kechirmoqda. 2019-yil avgust oyida e\u2019lon qilingan islohotlar sohaning iqtisodiyotdagi rolini kuchaytirish va yangi me\u2019yoriy-huquqiy bazani ishlab chiqishga qaratilgan. Shuningdek, ular, ayniqsa, chakana savdo segmentlarida mukofotlar o\u2019sishni qo\u2019llab-quvvatlash va iqtisodiyot uchun strategik ahamiyatga ega bo\u2019lgan sohalarda qo\u2019llab-quvvatlash yoki kafolat mexanizmlarini taqdim etish choralarini o\u2019z ichiga oladi.<\/p>

    Xususan, Sug\u2018urta faoliyati to\u2018g\u2018risidagi qonunning yangi tahririni ishlab chiqish va joriy etish, O\u2018zbekiston Respublikasi Prezidentining \u00abSug\u2018urta bozorini raqamlashtirish va hayotni sug\u2018urtalashni rivojlantirishga doir qo\u2018shimcha chora-tadbirlar to\u2018g\u2018risida\u00bb gi PQ-5265-son qarorini qabul qilish, sug\u2019urta kompaniyalari kapitallashuviga qo\u2019yiladigan talablar kuchaytirildi, sug\u2018urta vositachiligi tamoyillari sezilarli darajada qayta ko\u2018rib chiqildi. O\u2018ylaymizki, O\u2019zbekiston moliya bozorida to\u2019laqonli o\u2019yinchilar sifatida sug\u2019urta kompaniyalarining uzoq muddatli o\u2019sishiga, oqilona konsentratsiyasiga va shaffofligini oshirishga olib keladi.<\/p>

    O\u2018zbekistonda sug\u2018urtaning kirib borish darajasi boshqa mamlakatlarga nisbatan ancha past.<\/p>

    O\u2018zbekistonda sug\u2018urta mukofotlari hajmi yil yakuniga ko\u2018ra mamlakat yalpi ichki mahsulotiga nisbatan 0,4% ni tashkil etadi. O\u2019rtacha global IPR taxminan 3% ni tashkil qiladi. Biroq, bu ko\u2019rsatkich 2022-yilda 0,8% gacha oshirilishi rejalashtirilgan.<\/p>

    Umumiy sug\u2019urtaning zarar koeffitsienti 31% ni tashkil qiladi. Jahon amaliyotida bu ko\u2019rsatkich o\u2019rtacha 60-70% ni tashkil qiladi.<\/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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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"image\t\t\t\t\t\t\t\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
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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":"

    From 2016 to 2019, the annual growth of insurance premiums averaged 50%. In 2020, a decrease of 6% compared to 2019 was due to the introduction of quarantine regulations, the lack of remote work of some companies, and a decrease in the income of the population during the quarantine period. In 2021, the volume of […]<\/p>\n","protected":false},"author":1,"featured_media":21831,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-19319","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\/19319","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=19319"}],"version-history":[{"count":0,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/posts\/19319\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/media\/21831"}],"wp:attachment":[{"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/media?parent=19319"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/categories?post=19319"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/tags?post=19319"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}