DAVLAT IJTIMOIY SUG‘URTASI JAMG‘ARMASINING MOLIYAVIY BARQARORLIGINI TA’MINLASHDA AKTUAR BAHOLASH USULLARIDAN FOYDALANISH
Annotatsiya
Ushbu maqolada Davlat ijtimoiy sug‘urtasi jamg‘armasining moliyaviy barqarorligini ta’minlashda aktuar baholash usullaridan foydalanishning nazariy va amaliy jihatlari tadqiq etilgan. Ijtimoiy sug‘urta tizimining uzoq muddatli barqarorligini ta’minlashda jamg‘arma daromadlari va xarajatlari o‘rtasidagi muvozanatni saqlash, sug‘urta majburiyatlarini o‘z vaqtida bajarish hamda demografik, iqtisodiy va moliyaviy xatarlarni oldindan baholash muhim ahamiyat kasb etadi. Shu nuqtai nazardan, maqolada aktuar prognozlash, ehtimollik va demografik modellashtirish, ssenariy tahlili, stress-test, sug‘urta badallari va to‘lovlari nisbatini baholash kabi usullarning qo‘llanish imkoniyatlari yoritilgan. Jamg‘armaning kelgusidagi moliyaviy majburiyatlarini aniqlash, zarur rezervlar hajmini shakllantirish, sug‘urta badallari stavkalarini ilmiy asoslash va moliyaviy risklarni boshqarishda aktuar hisob-kitoblarning o‘rni asoslab berilgan. Tadqiqot natijasida Davlat ijtimoiy sug‘urtasi jamg‘armasida muntazam aktuar baholash tizimini joriy etish, uzoq muddatli moliyaviy prognozlarni shakllantirish hamda turli iqtisodiy va demografik ssenariylar asosida jamg‘arma barqarorligini baholash bo‘yicha ilmiy-amaliy takliflar ishlab chiqilgan.
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