This article explores the applicability of the Risk-Based Capital (RBC) framework to the insurance market of the Republic of Uzbekistan. Drawing upon international best practices, especially the APRA model from Australia, the study empirically assesses the capital structure comprised of premium, claims liability, and asset risks. The analysis revealed the dominant role of insurance-related risks in capital requirements and emphasized the need to transition from rigid normative regulation to a more risk-sensitive and adaptive supervisory approach. The paper provides policy recommendations for a phased implementation of RBC, including the development of a localized model, creation of a national actuarial database, and modernization of regulatory frameworks.
| Mualliflar | Ergasheva , Farangiz, Эргашева , Фарангиз, Ergasheva , Farangiz |
|---|---|
| Jurnal | Илғор иқтисодиёт ва педагогик технологиялар |
| Nashriyot | Тошкент давлат иқтисодиёт университети ҳузуридаги «Ўзбекистон иқтисодиётини ривожлантиришнинг илмий асослари ва муаммолари» илмий-тадқиқот маркази |
| ISSN | 1994-2025 |
| Nashr sanasi | 2025-04-15 |
| Jild | 2 |
| Son | 2 |
| Betlar | 508-514 |
| Til | Ingliz |
| Ilmiy soha | Iqtisodiyot |
| DOI | 10.60078/3060-4842-2025-vol2-iss2-pp508-514 |
| Indeksga qo‘shilgan | 2026-08-26 |
DOI: 10.60078/3060-4842-2025-vol2-iss2-pp508-514 · Maqolaning asl sahifasi
risk-based capital, insurance market, Uzbekistan, regulatory reform, prudential supervision, actuarial analysis, риск-ориентированный капитал, страховой рынок, Узбекистан, регуляторная реформа, пруденциальное регулирование, актуарный анализ, riskka asoslangan kapital, sugʻurta bozori, Oʻzbekiston, tartibga solish islohoti, ehtiyotkorlik nazorati, aktuar tahlil
| APA | Ergasheva , Farangiz, Эргашева , Фарангиз, & Ergasheva , Farangiz (2025). ANALYSIS OF RISK-BASED CAPITAL MODELS AND THEIR APPLICABILITY TO THE INSURANCE MARKET OF UZBEKISTAN. Илғор иқтисодиёт ва педагогик технологиялар, 2(2), 508-514. https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp508-514 |
|---|---|
| GOST (OAK) | Ergasheva , Farangiz, Эргашева , Фарангиз, Ergasheva , Farangiz ANALYSIS OF RISK-BASED CAPITAL MODELS AND THEIR APPLICABILITY TO THE INSURANCE MARKET OF UZBEKISTAN // Илғор иқтисодиёт ва педагогик технологиялар. – 2025. – T. 2, № 2. – P. 508-514. – DOI: 10.60078/3060-4842-2025-vol2-iss2-pp508-514. |
| MLA | Ergasheva , Farangiz, Эргашева , Фарангиз, and Ergasheva , Farangiz. “ANALYSIS OF RISK-BASED CAPITAL MODELS AND THEIR APPLICABILITY TO THE INSURANCE MARKET OF UZBEKISTAN.” Илғор иқтисодиёт ва педагогик технологиялар, 2(2), 508-514, 2025. https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp508-514 |
| Chicago | Ergasheva , Farangiz, Эргашева , Фарангиз, and Ergasheva , Farangiz. “ANALYSIS OF RISK-BASED CAPITAL MODELS AND THEIR APPLICABILITY TO THE INSURANCE MARKET OF UZBEKISTAN.” Илғор иқтисодиёт ва педагогик технологиялар, 2(2), 508-514 (2025). https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp508-514 |
| Harvard | Ergasheva , Farangiz, Эргашева , Фарангиз, and Ergasheva , Farangiz (2025) ‘ANALYSIS OF RISK-BASED CAPITAL MODELS AND THEIR APPLICABILITY TO THE INSURANCE MARKET OF UZBEKISTAN’, Илғор иқтисодиёт ва педагогик технологиялар, 2(2), 508-514. https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp508-514 |
| BibTeX | @article{ergashevafarangiz2025,
title = {ANALYSIS OF RISK-BASED CAPITAL MODELS AND THEIR APPLICABILITY TO THE INSURANCE MARKET OF UZBEKISTAN},
author = {Ergasheva , Farangiz and Эргашева , Фарангиз and Ergasheva , Farangiz},
journal = {Илғор иқтисодиёт ва педагогик технологиялар},
year = {2025},
volume = {2},
number = {2},
pages = {508-514},
doi = {10.60078/3060-4842-2025-vol2-iss2-pp508-514},
url = {https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp508-514}
} |
Boshqa maqola uchun iqtibos tayyorlash
The purpose of this article is to critically analyze the "national" renovation programs that the country and society are implementing to improve their infrastructure and urbanization processes. The article examines the…
This article examines international best practices for enhancing the effectiveness of managerial personnel in organizational management, along with the evaluation mechanisms employed in this context. It further…
This article describes Islamic finance current statue in Central Asian countries as well as analyses of its advantages and prospects. At the same time article provides information on analyses of Islamic Finance…
In this article observe the correlation between the «green» economy development and universities’ transfer to the «green» model of organizing the inner system. It’s supplied with the rate of «green universities» in…
This article highlights and studies the role and importance of tourist and recreational zones in the field of tourism and service provision. In order to study the selected topic in more depth, we will consider the…
This article discusses unpaid domestic work, methods of their assessment, international recommendations and approaches, the composition of unpaid services of the population, monitoring of unpaid services of the…
This article examines ways to enhance the participation of commercial banks in poverty reduction. It analyzes the role of banks in alleviating poverty through credit policies, financial inclusion, microloans, and…
The article discusses the importance of implementing transformation processes in Uzbekistan’s commercial banks under globalization and competitive conditions, as well as their future prospects. The study highlights the…
This article examines the impact of the systematic application of good corporate governance tools on the capitalization of joint-stock companies. Based on empirical data from leading public companies in Uzbekistan, an…
The article examines the application of financial technologies in commercial banks, the classification and principles of financial technologies according to their fields of activity. An analysis of the main financial…
Илғор иқтисодиёт ва педагогик технологиялар — barcha maqolalar · 2025-yil arxivi
This article is devoted to the study of the economic essence of the financial stability of insurance companies in the context of Uzbekistan. Particular attention is paid to various aspects of determining financial…
This article examines approaches to optimizing capital requirements for insurance companies in Uzbekistan. It analyzes existing regulatory frameworks and international standards, including Solvency II. The study…
in recent years, the idea of a “Green Economy” has become very important for many countries as a key approach to securing a sustainable future. The world can no longer overlook the serious environmental and climate…
Аннотация: В данной статье рассматривается важность и необходимость обеспечения финансовой устойчивостистраховых компаний, действующих в нашей стране. Эмпирически проанализировано современное состояниеразвития…
В статье рассматриваются подходы к адаптации международных требований к капиталу в страховомсекторе Узбекистана, с акцентом на директиву Solvency II и рекомендации Международной ассоциации страховогонадзора (МАСН)…
Мазкур мақолада суғурта фаолиятида суғурта компанияларининг молиявий барқарорлиги, суғурта хизматларига суғурталанувчилар ишончини таъминлашда суғурта компанияси молиявий барқарорлигининг ўрни, молиявий барқарорлик…
This study examines the association between Internet use and self-rated health and investigates the role of online health information behaviors in this relationship. Using data from the 2021 Chinese General Social…
На материалах, опубликованных по август 2024 года, исследуется достаточность бюджетного покрытия обязательств государственно-частного партнёрства. Предложена совместная проверка объёма, сроков и допустимых источников…
Maqolada O‘zbekiston sport tashkilotlarida sun’iy intellekt (SI) va ma’lumotlarga asoslangan boshqaruvning iqtisodiy samaradorlik bilan bog‘liqligini o‘rganish uchun rasmiy statistik ma’lumotlar tahlil qilinadi…
The article analyzes the institutional formation and everyday educational practice of girls’ education in Turkestan in the late nineteenth and early twentieth centuries. It examines traditional schools led by otinoyi…
This study presents a comprehensive analysis of the geostrategic role of Khwarezm in the transregional trade system of Eurasia during the 9th–12th centuries, based on written sources, historiography, and archaeological…
В статье исследуется, почему налоговые и тарифные льготы могут не приводить к привлечению инвестиций в дата-центры для искусственного интеллекта (ИИ). На основе теории комплементарности М. Кремера построена…