Kalit so‘zlar
Iqtibos keltirish tartibi
Annotatsiya
Maqolada O‘zbekiston aholisining moliyaviy savodxonlik darajasi bilan uy xo‘jaliklarining sug‘urta xizmatlariga bo‘lgan talabi o‘rtasidagi bog‘liqlik tadqiq etilgan. Tadqiqotning axborot bazasini OECD/INFE ning 2021-yilgi MDH mamlakatlari bo‘yicha moliyaviy savodxonlik so‘rovi, Jahon bankining Global Findex (2011–2025) ma’lumotlari, O‘zbekiston Markaziy banki va Osiyo taraqqiyot bankining 2025-yilgi so‘rovnomasi hamda sug‘urta bozori va Statistika agentligining 2020–2025-yillar ko‘rsatkichlari tashkil etadi. Muallif tomonidan bilim savollarini “kundalik hisob-kitob” va “uzoq muddatli hamda risk” guruhlariga ajratish orqali savodxonlik tarkibidagi nomutanosiblik baholangan, aholi jon boshiga sug‘urta mukofotlari (sug‘urta zichligi) hisoblangan. Natijalar O‘zbekistonda moliyaviy xulq va munosabat ko‘rsatkichlari MDH o‘rtachasidan yuqori bo‘lsa-da, murakkab foiz va diversifikatsiya kabi sug‘urta mantiqi uchun tayanch tushunchalarni bilish past ekanini ko‘rsatdi: ikki guruh o‘rtasidagi farq 21,7 foiz bandini tashkil etadi. 2020–2025-yillarda sug‘urta zichligi nominal jihatdan 5,2 baravar oshgan, biroq hayot sug‘urtasining aholi jon boshiga to‘g‘ri keladigan hajmi 2025-yilda bor-yo‘g‘i 15,5 ming so‘mni tashkil etgan va yangi shartnomalarning qariyb yarmi majburiy avtofuqarolik javobgarligi sug‘urtasiga to‘g‘ri kelgan. Shu asosda sug‘urta savodxonligini moliyaviy ta’lim dasturlariga kiritish, mahsulot axborotini soddalashtirish va xavfsiz raqamli sotuv kanallarini rivojlantirishga oid takliflar ishlab chiqilgan.
Adabiyotlar ro‘yxati
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Mualliflik huquqi (c) 2026 Baxriyev, D.R. (Muallif)