SUG‘URTA KOMPANIYALARI MOLIYAVIY BARQARORLIGINING IQTISODIY ASOSLARI
DOI:
https://doi.org/10.5281/zenodo.18554551Keywords:
sug‘urta kompaniyasi, moliyaviy barqarorlik, kapital yetarliligi, solvency, likvidlik, sug‘urta zaxiralari, risk-menejment, loss ratio, combined ratio, ROIAbstract
Maqolada sug‘urta kompaniyalari moliyaviy barqarorligining iqtisodiy asoslari tahlil qilindi. Barqarorlikni ta’minlovchi omillar – kapital yetarliligi, sug‘urta texnik zaxiralari, to‘lovga layoqatlilik (solvency), likvidlik va investitsiya siyosati o‘zaro bog‘liq tizim sifatida yoritildi. Kompleks baholash uchun integral nazariy-iqtisodiy model taklif etildi hamda asosiy indikatorlar (capital adequacy, solvency, liquidity, reserve adequacy, loss ratio, combined ratio, ROI) va ularning me’yoriy chegaralari tizimlashtirildi. Natijalar barqarorlik alohida ko‘rsatkichlarga emas, balki kapital–risk–likvidlik/investitsiya–natija bloklari o‘rtasidagi mutanosiblikka bog‘liq ekanini ko‘rsatdi
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