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Innovatsiyalarning iqtisodiy mohiyati va ularning sugʻurta tashkiloti faoliyatidagi oʻrni

Author

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  • Dilshod Yakubov

Abstract

Ushbu maqolada sugʻurta tashkilotlarida innovatsion faoliyatni joriy etishning iqtisodiy mohiyati, uningnazariy-metodologik asoslari hamda amaliy mexanizmlari tizimli yondashuv asosida tahlil qilinadi. Tadqiqotda innovatsionjarayonlarning sugʻurta tashkilotlari underwriting siyosati, marketing strategiyasi, biznes jarayonlari va mijozlarga xizmatkoʻrsatish tizimiga taʼsiri chuqur oʻrganilgan.Maqolada innovatsiya tushunchasining evolyutsiyasi, J. Shumpeter nazariyasi, “Oslo yoʻriqnomasi - 2018” va “Fraskatiyoʻriqnomasi - 2015” tavsiyalari asosida innovatsiyalarning sugʻurta sohasidagi talqinlari yoritilgan. Sugʻurta xizmatlaridaraqamli texnologiyalar, ekotizim yondashuvi, mikro sugʻurta, onlayn platformalar, avtomatlashtirilgan underwriting tizimlari,shuningdek, marketing va mijozlar bilan munosabatlarni boshqarishdagi innovatsiyalar tahlil qilingan.Tadqiqotda Oʻzbekiston sugʻurta bozorida amalga oshirilayotgan islohotlar, Prezident farmonlari va hukumat qarorlariasosida innovatsion jarayonlarni qoʻllab-quvvatlash mexanizmlari baholangan. Pandemiya, demografik oʻzgarishlarva raqamlashtirish sharoitida sugʻurta tashkilotlarining moslashuvchanligi hamda raqobatbardoshligini taʼminlashdainnovatsion strategiyaning ahamiyati asoslab berilgan.Shuningdek, sugʻurta agentlari va brokerlarining innovatsion jarayonlardagi roli, mijozlar segmentatsiyasi, yangi avlodisteʼmolchilarining talab va xatti-harakatlari hamda sugʻurta mahsulotlarining diversifikatsiyasi masalalari tahlil qilingan.Tadqiqot natijalari sugʻurta sohasida innovatsion siyosatni takomillashtirish, xizmatlar sifatini oshirish, raqamlitransformatsiyani jadallashtirish va milliy sugʻurta bozorining barqaror rivojlanishini taʼminlash boʻyicha amaliy tavsiyalarishlab chiqish uchun ilmiy asos boʻlib xizmat qiladi.

Suggested Citation

  • Dilshod Yakubov, 2025. "Innovatsiyalarning iqtisodiy mohiyati va ularning sugʻurta tashkiloti faoliyatidagi oʻrni," GREEN ECONOMY AND DEVELOPMENT, "Ma'rifat-Print-Media" LLC, Tashkent State University of Economics, vol. 3(7), July.
    • Handle: RePEc:teu:ged000:v:3:y:2025:i:7:id:9899
    DOI: 10.5281/zenodo.19487099
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