{"id":551,"date":"2023-11-05T23:36:44","date_gmt":"2023-11-05T18:36:44","guid":{"rendered":"https:\/\/fintech.tsue.uz\/?p=551"},"modified":"2023-12-04T21:18:06","modified_gmt":"2023-12-04T16:18:06","slug":"%d1%85%d0%be%d1%80%d0%b8%d0%b6%d0%b8%d0%b9-%d0%b8%d0%bd%d0%b2%d0%b5%d1%81%d1%82%d0%b8%d1%86%d0%b8%d1%8f%d0%bb%d0%b0%d1%80%d0%bd%d0%b8-%d1%81%d1%83%d2%93%d1%83%d1%80%d1%82%d0%b0%d0%bb%d0%b0%d1%88%d0%bd","status":"publish","type":"post","link":"https:\/\/fintech.tsue.uz\/?p=551","title":{"rendered":"\u0425\u041e\u0420\u0418\u0416\u0418\u0419 \u0418\u041d\u0412\u0415\u0421\u0422\u0418\u0426\u0418\u042f\u041b\u0410\u0420\u041d\u0418 \u0421\u0423\u0492\u0423\u0420\u0422\u0410\u041b\u0410\u0428\u041d\u0418\u041d\u0413 \u041d\u0410\u0417\u0410\u0420\u0418\u0419-\u04b2\u0423\u049a\u0423\u049a\u0418\u0419 \u0410\u0421\u041e\u0421\u041b\u0410\u0420\u0418"},"content":{"rendered":"\n<p><strong>\u0425\u043e\u0448\u0438\u043c\u043e\u0432 \u0421\u043e\u0431\u0438\u0440 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\u0434\u043e\u043a\u0442\u043e\u0440\u0438(\u0420hD)&nbsp;&nbsp;<\/em><\/p>\n\n\n\n<p><em>\u0431\u0430\u04b3\u043e\u043b\u0430\u0448 \u0438\u0448\u0438 \u0432\u0430 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u044f\u043b\u0430\u0440<\/em><\/p>\n\n\n\n<p><em>\u043a\u0430\u0444\u0435\u0434\u0440\u0430\u0441\u0438 \u0434\u043e\u0446\u0435\u043d\u0442\u0438&nbsp;<\/em><\/p>\n\n\n\n<p><em>\u0422\u043e\u0448\u043a\u0435\u043d\u0442 \u043c\u043e\u043b\u0438\u044f \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442\u0438<\/em><\/p>\n\n\n\n<p><em>E-mail: \u0445oshimov.1976@mail.ru <\/em><\/p>\n\n\n\n<p><em>ORCID:0000-0002-2845-0201<\/em><\/p>\n\n\n\n<p><strong>\u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f<\/strong><\/p>\n\n\n\n<p>\u041c\u0430\u049b\u043e\u043b\u0430\u0434\u0430 \u0438\u049b\u0442\u0438\u0441\u043e\u0434\u0438\u0451\u0442\u043d\u0438 \u0440\u0438\u0432\u043e\u0436\u043b\u0430\u043d\u0442\u0438\u0440\u0438\u0448\u0434\u0430 \u043c\u0443\u04b3\u0438\u043c 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class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/12\/\u0425\u043e\u0448\u0438\u043c\u043e\u0432-\u0421\u043e\u0431\u0438\u0440-\u041c\u0443\u0440\u0442\u0430\u0437\u0430\u0435\u0432\u0438\u0447.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of \u0425\u043e\u0448\u0438\u043c\u043e\u0432-\u0421\u043e\u0431\u0438\u0440-\u041c\u0443\u0440\u0442\u0430\u0437\u0430\u0435\u0432\u0438\u0447.\"><\/object><a id=\"wp-block-file--media-c231d859-8deb-4f68-a515-691f0d7e6419\" href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/12\/\u0425\u043e\u0448\u0438\u043c\u043e\u0432-\u0421\u043e\u0431\u0438\u0440-\u041c\u0443\u0440\u0442\u0430\u0437\u0430\u0435\u0432\u0438\u0447.pdf\">\u0425\u043e\u0448\u0438\u043c\u043e\u0432-\u0421\u043e\u0431\u0438\u0440-\u041c\u0443\u0440\u0442\u0430\u0437\u0430\u0435\u0432\u0438\u0447<\/a><a href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/12\/\u0425\u043e\u0448\u0438\u043c\u043e\u0432-\u0421\u043e\u0431\u0438\u0440-\u041c\u0443\u0440\u0442\u0430\u0437\u0430\u0435\u0432\u0438\u0447.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-c231d859-8deb-4f68-a515-691f0d7e6419\">Download<\/a><\/div>\n\n\n\n<p><strong>\u0424\u043e\u0439\u0434\u0430\u043b\u0430\u043d\u0438\u043b\u0433\u0430\u043d \u0430\u0434\u0430\u0431\u0438\u0451\u0442\u043b\u0430\u0440<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\" type=\"1\">\n<li>\u040e\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u043e\u043d \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0430\u0441\u0438\u043d\u0438\u043d\u0433 2021 \u0439\u0438\u043b 23 \u043d\u043e\u044f\u0431\u0440\u0434\u0430\u0433\u0438 \u040e\u0420\u049a-730-\u0441\u043e\u043d \u201c\u0421\u0443\u0493\u0443\u0440\u0442\u0430 \u0444\u0430\u043e\u043b\u0438\u044f\u0442\u0438 \u0442\u045e\u0493\u0440\u0438\u0441\u0438\u0434\u0430\u201d\u0433\u0438 \u049a\u043e\u043d\u0443\u043d\u0438. https:\/\/lex.uz\/docs\/5739117<\/li>\n\n\n\n<li>Felipe Berdou. Target Insurance, G06Q40\/02; G06Q40\/08; (IPC1-7): G06F17\/60. 2004. <a href=\"https:\/\/www.freepatentsonline.com\/20040010426.pdf\">https:\/\/www.freepatentsonline.com\/20040010426.pdf<\/a>.<\/li>\n\n\n\n<li>Shauhin A. Talesh. A New Institutional Theory of Insurance. UC Irvine Law Review, Vol.5, No.3, 2015, pp.617-650, UC Irvine School of Law Research Paper No. 2015-77. https:\/\/papers.ssrn.com\/sol3\/papers.cfm? abstract_id=2651508.<\/li>\n\n\n\n<li>\u041a\u043e\u043b\u043e\u043c\u0438\u043d \u0415.\u0412. \u041d\u043e\u0432\u044b\u0439 \u0448\u0430\u0433 \u043a \u043a\u043e\u043d\u0441\u0430\u043b\u0438\u0434\u0430\u0446\u0438\u0438 \u043d\u0430\u0443\u0447\u043d\u044b\u0445 \u0441\u0438\u043b. \/\/ \u0424\u0438\u043d\u0430\u043d\u0441\u044b. \u21162, 2003. \u2013 \u0421. 47.<\/li>\n\n\n\n<li>\u0425\u043e\u043c\u0438\u043d\u0438\u0447 \u0418.\u041f. \u0438 \u0422\u0438\u0445\u043e\u043c\u0438\u0440\u043e\u0432 \u0421.\u041d. \u041c\u0435\u0442\u043e\u0434\u043e\u043b\u043e\u0433\u0438\u044f \u0444\u043e\u0440\u043c\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u043d\u0430\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u043e\u0439 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0439 \u0441\u0438\u0441\u0442\u0435\u043c\u044b \u0432 \u043a\u043e\u043d\u0442\u0435\u043a\u0441\u0442\u0435 \u0441\u0438\u0441\u0442\u0435\u043c\u043d\u043e\u0433\u043e \u0430\u043d\u0430\u043b\u0438\u0437\u0430. \/\/ \u0424\u0438\u043d\u0430\u043d\u0441\u044b. \u21163, 2008. \u2013 \u0421. 44.<\/li>\n\n\n\n<li>\u041a\u0438\u0440\u0438\u043b\u044e\u043a \u0418.\u041b., \u0421\u0432\u0438\u0440\u0438\u0434\u043e\u0432 \u0410.\u041f. \u0420\u044b\u043d\u043e\u043a \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f \u0432 \u0420\u043e\u0441\u0441\u0438\u0438: \u0442\u0435\u043a\u0443\u0449\u0435\u0435 \u0441\u043e\u0441\u0442\u043e\u044f\u043d\u0438\u0435 \u0438 \u043f\u0435\u0440\u0441\u043f\u0435\u043a\u0442\u0438\u0432\u044b. \/\/ \u0412\u043e\u043f\u0440\u043e\u0441\u044b \u0442\u0435\u043e\u0440\u0435\u0442\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0438. \u21162. 2019. \u2013 URL: https:\/\/cyberleninka.ru\/article\/n\/ rynok-strahovaniya-v-rossii-tekuschee-sostoyanie-i-perspektivy<\/li>\n\n\n\n<li>\u0428\u0435\u043d\u043d\u0430\u0435\u0432 \u0425.\u041c. \u040e\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u043e\u043d \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0430\u0441\u0438\u0434\u0430 \u0441\u0443\u0493\u0443\u0440\u0442\u0430 \u0444\u0430\u043e\u043b\u0438\u044f\u0442\u0438\u043d\u0438 \u0440\u0438\u0432\u043e\u0436\u043b\u0430\u043d\u0442\u0438\u0440\u0438\u0448 \u0439\u045e\u043d\u0430\u043b\u0438\u0448\u043b\u0430\u0440\u0438. \u0418\u049b\u0442\u0438\u0441\u043e\u0434\u0438\u0451\u0442 \u0444\u0430\u043d\u043b\u0430\u0440\u0438 \u0434\u043e\u043a\u0442\u043e\u0440\u0438 (DSc) &#8230; \u0434\u0438\u0441\u0441\u0435\u0440\u0442\u0430\u0446\u0438\u044f. \u2013 \u0422.: 2021. \u2013 33 \u0431.<\/li>\n\n\n\n<li>\u0422\u0443\u0440\u0431\u0438\u043d\u0430 \u041a.\u0415. \u0418\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u0439 \u043f\u0440\u043e\u0446\u0435\u0441\u0441 \u0438 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u0435 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u0439 \u043e\u0442 \u043f\u043e\u043b\u0438\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u0440\u0438\u0441\u043a\u043e\u0432. \u2013 \u041c.: \u0410\u043d\u043a\u0438\u043b, 1995. \u2013 \u0421. 80;<\/li>\n\n\n\n<li>\u0417\u0430\u0433\u0440\u044f\u0434\u0441\u043a\u0438\u0439 \u0410.\u0421. \u0420\u043e\u043b\u044c \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f \u0438\u043d\u043e\u0441\u0442\u0440\u0430\u043d\u043d\u044b\u0445 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u0439 \u0432 \u0443\u043b\u0443\u0447\u0448\u0435\u043d\u0438\u0438 \u0443\u0441\u043b\u043e\u0432\u0438\u0439 \u043a\u0430\u043f\u0438\u0442\u0430\u043b\u043e\u0432\u043b\u043e\u0436\u0435\u043d\u0438\u0439 \u0432 \u043d\u0430\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u0443\u044e \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0443. \u0410\u0432\u0442\u043e\u0440\u0435\u0444. \u0434\u0438\u0441. &#8230; \u043a\u0430\u043d\u0434. \u044d\u043a\u043e\u043d. \u043d\u0430\u0443\u043a. \u2013 \u041c.: 2004. \u2013 \u0421. 22;<\/li>\n\n\n\n<li>\u0411\u043e\u0440\u043e\u0434\u0430\u0432\u043a\u043e \u041b.\u0421. \u0420\u0430\u0437\u0432\u0438\u0442\u0438\u0435 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f \u0440\u0435\u0430\u043b\u044c\u043d\u044b\u0445 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u0439 \u043f\u0440\u0438 \u0440\u0435\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u0438 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u0445 \u043f\u0440\u043e\u0435\u043a\u0442\u043e\u0432. \u0410\u0432\u0442\u043e\u0440\u0435\u0444. \u0434\u0438\u0441. &#8230; \u043a\u0430\u043d\u0434. \u044d\u043a\u043e\u043d. \u043d\u0430\u0443\u043a. \u2013 \u0418\u0440\u043a\u0443\u0442\u0441\u043a, 2012. \u2013 \u0421. 23;<\/li>\n\n\n\n<li>\u0412\u043e\u043b\u0436\u0430\u043d\u0438\u043d \u0414.\u0410. \u0420\u0430\u0437\u0432\u0438\u0442\u0438\u0435 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f \u043a\u0430\u043a \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u0430 \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u043c\u0438 \u0440\u0438\u0441\u043a\u0430\u043c\u0438. \u0414\u0438\u0441. &#8230; \u043a\u0430\u043d\u0434. \u044d\u043a\u043e\u043d. \u043d\u0430\u0443\u043a. \u2013 \u041c., 2005. \u2013 \u0421. 142.<\/li>\n\n\n\n<li>\u0422\u0443\u0440\u0431\u0438\u043d\u0430 \u041a.\u0415. \u0418\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u0439 \u043f\u0440\u043e\u0446\u0435\u0441\u0441 \u0438 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u0435 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u0439 \u043e\u0442 \u043f\u043e\u043b\u0438\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u0440\u0438\u0441\u043a\u043e\u0432. \u2013 \u041c.: \u0410\u043d\u043a\u0438\u043b, 1995. \u2013 \u0421. 80;<\/li>\n\n\n\n<li>&nbsp;\u041c\u0430\u043b\u043a\u043e\u0432\u0430 \u041e.\u0412. \u0421\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u0435 \u0432 \u0441\u0438\u0441\u0442\u0435\u043c\u0435 \u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u0445 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u043e\u0442\u043d\u043e\u0448\u0435\u043d\u0438\u0439: \u0443\u0447\u0435\u0431\u043d\u043e\u0435 \u043f\u043e\u0441\u043e\u0431\u0438\u0435. \u2013 \u0420\u043e\u0441\u0442\u043e\u0432-\u043d\u0430-\u0414\u043e\u043d\u0443. 2007. \u2013 \u0421. 192.<\/li>\n\n\n\n<li>\u0424\u0438\u043b\u0438\u043d \u0421.\u0410. \u0421\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u0435 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u0445 \u0440\u0438\u0441\u043a\u043e\u0432: \u0423\u0447\u0435\u0431\u043d\u043e\u0435 \u043f\u043e\u0441\u043e\u0431\u0438\u0435. &#8211; \u041c.: \u041e\u041e\u041e \u0424\u0438\u0440\u043c\u0430 \u00ab\u0411\u043b\u0430\u0433\u043e\u0432\u0435\u0441\u0442-\u0412\u00bb, 2005.,<\/li>\n\n\n\n<li>\u041a\u0440\u0438\u0447\u0435\u0432\u0441\u043a\u0438\u0439 \u041d.\u0410. \u0421\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u0435 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u0439. \u2013 \u041c. 2006. \u2013 \u0421. 334; \u0412\u043e\u043b\u0436\u0430\u043d\u0438\u043d \u0414.\u0410. \u0420\u0430\u0437\u0432\u0438\u0442\u0438\u0435 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f \u043a\u0430\u043a \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u0430 \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u043c\u0438 \u0440\u0438\u0441\u043a\u0430\u043c\u0438. \u0414\u0438\u0441. &#8230; \u043a\u0430\u043d\u0434. \u044d\u043a\u043e\u043d. \u043d\u0430\u0443\u043a. \u2013 \u041c., 2005. \u2013 \u0421. 142.<\/li>\n\n\n\n<li>\u0411\u043e\u0440\u043e\u0434\u0430\u0432\u043a\u043e \u041b.\u0421. \u041a \u0432\u043e\u043f\u0440\u043e\u0441\u0443 \u043e\u0431 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u0441\u0443\u0449\u043d\u043e\u0441\u0442\u0438 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u0439. \/\/ \u0418\u0437\u0432\u0435\u0441\u0442\u0438\u044f \u0418\u0413\u042d\u042f. 2012. \u21161.&nbsp; \u2013 \u0421.&nbsp; 43.<\/li>\n<\/ol>\n\n\n\n<p><a href=\"https:\/\/www.swissre.com\/institute\/research\/sigma-research\/sigma-2023-01.html\">https:\/\/www.swissre.com\/institute\/research\/sigma-research\/sigma-2023-01.html<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0425\u043e\u0448\u0438\u043c\u043e\u0432 \u0421\u043e\u0431\u0438\u0440 \u041c\u0443\u0440\u0442\u0430\u0437\u0430\u0435\u0432\u0438\u0447 \u0438\u049b\u0442\u0438\u0441\u043e\u0434\u0438\u0451\u0442 \u0444\u0430\u043d\u043b\u0430\u0440\u0438 \u0431\u045e\u0439\u0438\u0447\u0430 &nbsp;\u0444\u0430\u043b\u0441\u0430\u0444\u0430&nbsp; \u0434\u043e\u043a\u0442\u043e\u0440\u0438(\u0420hD)&nbsp;&nbsp; \u0431\u0430\u04b3\u043e\u043b\u0430\u0448 \u0438\u0448\u0438 \u0432\u0430 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u044f\u043b\u0430\u0440 \u043a\u0430\u0444\u0435\u0434\u0440\u0430\u0441\u0438 \u0434\u043e\u0446\u0435\u043d\u0442\u0438&nbsp; \u0422\u043e\u0448\u043a\u0435\u043d\u0442 \u043c\u043e\u043b\u0438\u044f \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442\u0438 E-mail: \u0445oshimov.1976@mail.ru ORCID:0000-0002-2845-0201 \u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f \u041c\u0430\u049b\u043e\u043b\u0430\u0434\u0430 \u0438\u049b\u0442\u0438\u0441\u043e\u0434\u0438\u0451\u0442\u043d\u0438 \u0440\u0438\u0432\u043e\u0436\u043b\u0430\u043d\u0442\u0438\u0440\u0438\u0448\u0434\u0430 \u043c\u0443\u04b3\u0438\u043c \u0430\u04b3\u0430\u043c\u0438\u044f\u0442\u0433\u0430 \u044d\u0433\u0430 \u0431\u045e\u043b\u0433\u0430\u043d \u0445\u043e\u0440\u0438\u0436\u0438\u0439 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u044f\u043b\u0430\u0440\u043d\u0438 \u0441\u0443\u0493\u0443\u0440\u0442\u0430\u043b\u0430\u0448\u043d\u0438\u043d\u0433 \u043c\u043e\u04b3\u0438\u044f\u0442\u0438, \u0445\u0430\u0440\u0430\u043a\u0442\u0435\u0440\u043b\u0438 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