RIVOJLANGAN SUG‘URTA KOMPANIYALARINING MOLIYAVIY HOLATI VA SAMARADORLIK KO‘RSATKICHLARI TAHLILI

Alimov Baxodir Batirovich

Oʻzbekiston Respublikasi Vazirlar Mahkamasi

huzuridagi Biznes va tadbirkorlik oliy maktabining

“Loyiha boshqaruvi” kafedrasi professori v.b., PhD

E-mail: bakhodir.alimov.84@gmail.com

ORCID: 0009-0001-7356-3192

Annotatsiya. Mazkur ilmiy maqolada rivojlangan davlatlarning yirik sug‘urta kompaniyalarining moliyaviy holati va samaradorlik ko‘rsatkichlari tahlil qilingan. Tadqiqot davomida sug‘urta kompaniyalarining umumiy daromadi, sof aktivlari, sug‘urta to‘lovlari, xususiy kapitali, majburiyatlari hamda rentabellik ko‘rsatkichlari (ROE va ROA) o‘rganildi. Tahlil natijalariga ko‘ra, AQSh, Germaniya, Fransiya va Xitoy sug‘urta kompaniyalari global bozorda yetakchi mavqega ega ekanligi aniqlandi. Shuningdek, sug‘urta kompaniyalarining moliyaviy barqarorligi va to‘lov qobiliyati darajasi ularning uzoq muddatli raqobatbardoshligini ta’minlovchi asosiy omillardan biri ekanligi asoslab berildi. Tadqiqot yakunida O‘zbekiston sug‘urta bozori uchun xalqaro tajriba asosida amaliy tavsiyalar ishlab chiqildi.

Kalit so‘zlar: sug‘urta kompaniyasi, moliyaviy samaradorlik, ROE, ROA, sug‘urta bozori, to‘lov qobiliyati, aktivlar, majburiyatlar, moliyaviy barqarorlik, sug‘urta mukofoti.

АНАЛИЗ ФИНАНСОВОГО СОСТОЯНИЯ И ПОКАЗАТЕЛЕЙ ЭФФЕКТИВНОСТИ РАЗВИТЫХ СТРАХОВЫХ КОМПАНИЙ

Алимов Баходир Батирович

доктор философии (PhD) по экономическим наукам

профессор кафедра “Управления проектами”

Высшая школа бизнеса и предпринимательства при

Кабинете Министров Республики Узбекистан

E-mail: bakhodir.alimov.84@gmail.com

ORCID: 0009-0001-7356-3192

Аннотация. В данной научной статье проанализированы финансовое состояние и показатели эффективности крупных страховых компаний развитых стран. В ходе исследования были изучены общий доход, чистые активы, страховые выплаты, собственный капитал, обязательства, а также показатели рентабельности (ROE и ROA) страховых компаний. По результатам анализа установлено, что страховые компании США, Германии, Франции и Китая занимают ведущие позиции на мировом рынке. Также обосновано, что финансовая устойчивость и уровень платежеспособности страховых компаний являются одними из ключевых факторов обеспечения их долгосрочной конкурентоспособности. По итогам исследования разработаны практические рекомендации для страхового рынка Узбекистана на основе международного опыта.

Ключевые слова: страховая компания, финансовая эффективность, ROE, ROA, страховой рынок, платежеспособность, активы, обязательства, финансовая устойчивость, страховая премия.

ANALYSIS OF THE FINANCIAL CONDITION AND PERFORMANCE INDICATORS OF DEVELOPED INSURANCE COMPANIES

Alimov Bakhodir Batirovich

Professor of the Department of Project Management of the

Graduate School of Business and Entrepreneurship under the

Cabinet of Ministers of the Republic of Uzbekistan

E-mail: bakhodir.alimov.84@gmail.com

ORCID: 0009-0001-7356-3192

Abstract. This scientific article analyzes the financial condition and performance indicators of major insurance companies in developed countries. During the study, the total revenue, net assets, insurance payments, equity capital, liabilities, and profitability indicators (ROE and ROA) of insurance companies were examined. The analysis revealed that insurance companies from the United States, Germany, France, and China hold leading positions in the global market. Furthermore, it was substantiated that the financial stability and solvency level of insurance companies are among the key factors ensuring their long-term competitiveness. Based on international experience, practical recommendations for the insurance market of Uzbekistan were developed at the end of the study.

Keywords: insurance company, financial efficiency, ROE, ROA, insurance market, solvency, assets, liabilities, financial stability, insurance premium.

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