Яшил иқтисодиёт ва тараққиёт 4-том 6-сан (2026)
THE DEVELOPMENT OF THE NATIONAL INSURANCE MARKET AND THE LEVEL OF INCLUSIVENESS
Ravshanova, Mohinur
Аннотация
In recent years, financial inclusion has become one of the key priorities of global economic policy.As an important segment of the financial system, the insurance market plays a significant role in protectinghouseholds and business entities from various economic risks, mobilizing investment resources, and ensuringeconomic stability. This study is devoted to assessing the overall state of development of the national insurancemarket and its level of inclusiveness. Statistical analysis, comparative approaches, and econometric methodswere applied in the research. In addition, a composite index was developed to evaluate insurance inclusiveness.The results of the study indicate that there is a significant relationship between the level of development of theinsurance market and indicators of financial inclusion. At the same time, it was revealed that insurance servicesare not yet sufficiently accessible to some lower-income population groups. Based on the results of the study,institutional and economic mechanisms aimed at improving the inclusiveness of the insurance market wereproposed.
insurance market, financial inclusion, insurance penetration, insurance density, inclusive insurance, insurance coverage
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