EKOLOGIK RISKLARNI BOSHQARISHDA EKOLOGIK SUG’URTALASHNING O’RNI: XALQARO STANDARTLAR VA MILLIY IMKONIYATLAR
Keywords:
ekologik sug’urtalash, ekologik risklar, xalqaro standartlar, atrof-muhit javobgarligi, sug’urta bozori, O’zbekiston, iqlim o’zgarishi risklari, ekologik iqtisodiy mexanizm.Abstract
Ushbu maqolada ekologik risklarni boshqarishda ekologik sug’urtalashning o’rni, xalqaro standartlar va O’zbekiston Respublikasidagi milliy imkoniyatlar keng tahlil qilingan. Tadqiqotda jahon miqyosidagi statistik ma’lumotlar, xususan, Swiss Re Institute hisobotlari, Barqaror sug’urtalash tamoyillari (PSI), Yevropa Ittifoqining Atrof-muhit javobgarligi yo’riqnomasi, shuningdek O’zbekiston sug’urta bozorining hozirgi holati tahlil qilingan. Maqolada huquqshunos Xolmo’minov J.T. va Narzullayev O.X. larning darsliklari ekologik sug’urtalashning huquqiy asoslarini ochib berish uchun foydalanilgan. Maqolada jahon va O’zbekiston tajribasi solishtirilgan, milliy imkoniyatlarni rivojlantirish uchun ilmiy tavsiyalar ishlab chiqilgan.
References
1. Xolmo’minov J.T. Ekologiya huquqi. Darslik (mualliflar jamoasi: Bozorov U.B., Jurayev Y.O., Usmonov M.B., Piyilyev Sh.X., Skrinikov N.K., Mirzaabdullayeva M.R., Narzullayev O.X. va boshqalar). – Toshkent: TDYU, 2018. – 366 b.
2. Ekologiya huquqi. Darslik / Ilmiy muharrir: Narzullayev O.X. va mualliflar jamoasi. – Toshkent: TDYU, 2017. – 363 b.
3. O’zbekiston Respublikasining « Tabiatni muhofaza qilish to’g’risida»gi Qonuni. Lex.uz sayti – Toshkent: 1993. 36-modda.
4. O’zbekiston Respublikasining « Sug’urta faoliyati to’g’risida»gi Qonuni. O’zbekiston Respublikasi Oliy Majlis palatalarining Axborotnomasi. – Toshkent: 2002.
5. Directive 2004/35/EC of the European Parliament and of the Council of 21 April 2004 on environmental liability with regard to the prevention and remedying of environmental damage // Official Journal of the European Union. – L 143. – 30.04.2004. – P. 56–75. URL: https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX:32004L0035
6. UNEP Finance Initiative. Principles for Sustainable Insurance. – Geneva: UNEP FI, 2012. URL: https://www.unepfi.org/psi/wp-content/uploads/2012/06/PSI-document.pdf
7. Swiss Re Institute. Sigma 1/2024: Natural catastrophes in 2023: gearing up for today’s and tomorrow’s weather risks. – Zürich: Swiss Re Ltd, 2024. – P. 5. URL: https://www.swissre.com/institute/research/sigma-research/sigma-2024-01.html
8. Swiss Re Institute. Sigma 1/2025: Natural catastrophes: insured losses on trend to USD 145 billion in 2025. – Zürich: Swiss Re Ltd, 2025. – P. 3. URL: https://www.swissre.com/institute/research/sigma-research/sigma-2025-01.html
9. World Bank. Uzbekistan Financial Sector Reform Project (PAD4468). – Washington D.C.: World Bank, 2022. – P. 14. URL: https://documents1.worldbank.org/curated/en/341821651843155856/pdf/Uzbekistan-Financial-Sector-Reform-Project.pdf
10. World Bank. Disaster Property Insurance in Uzbekistan: Overview and Recommendations. – Washington D.C.: World Bank, 2020. URL: https://documents1.worldbank.org/curated/en/617231591599422910/txt
11. UNEP Finance Initiative (UNEP FI). New risks, new opportunities: Harnessing environmental pollution liability insurance for a sustainable economy. – Geneva: UNEP FI, December 2023. URL: https://www.unepfi.org/industries/insurance/new-risks-new-opportunities-harnessing-environmental-pollution-liability-insurance-for-a-sustainable-economy/
12. Actuarial Association of Europe (AAE). Environmental Liability Directive: Discussion Paper. – Brussels: AAE, September 2022. – 38 p. URL: https://actuary.eu/wp-content/uploads/2022/09/ELD.pdf
13. EIOPA. Staff Paper on Nature-Related Risks and Impacts for Insurance. – Frankfurt: EIOPA, March 2023. URL: https://www.eiopa.europa.eu/system/files/2023-03/EIOPA%20Staff%20paper%20-%20Nature-related%20risks%20and%20impacts%20for%20insurance.pdf
14. Yilmaz M., Kandir S.Y. Insurance for climate change and environmental risk: a bibliometric review // International Journal of Climate Change Strategies and Management. – 2022. – Vol. 14. – No. 5. – P. 440–460. https://doi.org/10.1108/IJCCSM-06-2022-0073.
15. Masniak D. (Ed.) Managing Environmental Risks through Insurance: Legal and Economic Aspects. – Cham: Springer Nature, 2023. ISBN 978-3-031-47602-0. https://doi.org/10.1007/978-3-031-47602-0.
16. Xu L. et al. Green innovation of heavily polluting enterprises under environmental liability insurance: Evidence from Chinese listed companies // Technological Forecasting and Social Change. – 2024. URL: https://www.sciencedirect.com/science/article/abs/pii/S0040162524003287
17. Li Z. et al. Environmental Pollution Liability Insurance and Corporate Performance: Evidence from China in the Perspective of Green Development // International Journal of Environmental Research and Public Health. – 2022. – Vol. 19. – No. 20. URL: https://pmc.ncbi.nlm.nih.gov/articles/PMC9564652/
18. Anchita A.T. et al. Health Impact of Drying Aral Sea: One Health and Socio-Economical Approach // Water. – 2021. – Vol. 13. – No. 22. – P. 3196. https://doi.org/10.3390/w13223196.
19. Xalq so’zi gazetasi. – 2014-yil 30-oktyabr. – №210 (6140). – B. 1–2.
