O‘ZBEKISTON SUG‘URTA BOZORINING MOLIYAVIY BARQARORLIGINI BAHOLASH KO‘RSATKICHLARI TIZIMINI TAKOMILLASHTIRISH

Baxriyev Dilshod Rizvonkulovich

iqtisodiyot fanlari bo‘yicha falsafa doktori (PhD),

“Iqtisodiyot va moliya” kafedrasi dotsenti v.b.

Xalqaro innovatsion universiteti

E-mail: dilshodbaxriyev5000@gmail.com

ORCID: 0009-0003-1297-315X

Annotatsiya. Maqolada O‘zbekiston sug‘urta bozorining moliyaviy barqarorligini kuzatish uchun 14 ta ko‘rsatkichdan iborat “svetofor” tamoyilidagi erta ogohlantirish tizimi taklif etilgan. Tizim 2019–2025-yillar rasmiy ma’lumotlariga qo‘llanib, bozor hozircha sariq zonada ekani, aktivlar tarkibi va bozor chuqurligi bo‘yicha qizil signallar saqlanayotgani aniqlangan hamda nazorat organi uchun takliflar berilgan.

Kalit so‘zlar: sug‘urta bozori, moliyaviy barqarorlik, erta ogohlantirish tizimi, chegaraviy qiymatlar, svetofor usuli, kapital yetarliligi, zararlilik koeffitsiyenti, likvidlik, investitsiya portfeli, sug‘urta nazorati.

СОВЕРШЕНСТВОВАНИЕ СИСТЕМЫ ПОКАЗАТЕЛЕЙ ОЦЕНКИ ФИНАНСОВОЙ УСТОЙЧИВОСТИ СТРАХОВОГО РЫНКА УЗБЕКИСТАНА

Бахриев Дилшод Ризвонкулович

доктор философии по экономическим наукам (PhD),

и.о. доцента кафедры

«Экономика и финансы»

Международный инновационный университет

E-mail: dilshodbaxriyev5000@gmail.com

ORCID: 0009-0003-1297-315X

Аннотация. В статье предложена система раннего предупреждения из 14 показателей по принципу «светофора» для мониторинга финансовой устойчивости страхового рынка Узбекистана. Применение системы к данным 2019–2025 гг. показало, что рынок находится в жёлтой зоне, а по структуре активов и глубине рынка сохраняются красные сигналы.

Ключевые слова: страховой рынок, финансовая устойчивость, система раннего предупреждения, пороговые значения, метод светофора, достаточность капитала, коэффициент убыточности, ликвидность, инвестиционный портфель, страховой надзор.

IMPROVING THE SYSTEM OF INDICATORS FOR ASSESSING THE FINANCIAL STABILITY OF UZBEKISTAN’S INSURANCE MARKET

Bakhriev Dilshod Rizvonkulovich

Doctor of Philosophy (PhD) in Economics,

Acting Associate Professor,

 Department of Economics and Finance

International Innovation University

E-mail: dilshodbaxriyev5000@gmail.com

ORCID: 0009-0003-1297-315X

Abstract. The article proposes a 14-indicator traffic-light early-warning system for monitoring the financial stability of Uzbekistan’s insurance market. Applied to 2019–2025 data, the system shows that the market remains in the yellow zone, with persistent red signals for asset structure and market depth.

Keywords: insurance market, financial stability, early-warning system, threshold values, traffic-light approach, capital adequacy, loss ratio, liquidity, investment portfolio, insurance supervision.

Baxriyev Dilshod Rizvonkulovich. (2026). O’ZBEKISTON SUG’URTA BOZORINING MOLIYAVIY BARQARORLIGINI BAHOLASH KO’RSATKICHLARI TIZIMINI TAKOMILLASHTIRISH. «Moliyaviy texnologiyalar» ilmiy elektron jurnali, 5(5), 77. https://doi.org/10.5281/zenodo.23687339

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