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IMPROVEMENT OF TYPES OF INFORMATIONAL
RISK INSURANCE
Xolbayev Azamat Yuldashovich
Associate Professor of the Tashkent State University of Economics,
Doctor of Philosophy
email: xolbayev.azamat80@gmail.com
Annotation
.
In this scientific work, the role of insurance mechanisms in
eliminating the types of informational risks and the losses arising from them is
analyzed in conditions where modern digital technologies and information systems are
rapidly developing. The main focus is on covering the risks of types of informational
risk insurance — cybersecurity, data security insurance and information infrastructure.
The work studied the development trends of informational risk insurance systems
based on the experience of foreign countries, and developed practical proposals and
recommendations for improving insurance services of this type in the conditions of
Uzbekistan. Proposals have also been made for informational risk assessment
methodologies for insurance companies, the formation of a tariff system and the
strengthening of the legal framework.
The results of the study are important in diversifying the insurance market,
expanding the possibilities of financially compensating for possible losses in the field
of cybersecurity, as well as supporting the digital economy.
Keywords
: insurance, cybersecurity, financial resource, informational risks,
insurance services, insurance premiums, authorized capital, reserve.
Introduction.
Today, the development of digital technologies and cybersecurity
in the global economy and public consciousness is impossible. This may be due to
limited access to resources, databases, computer systems, and network infrastructure.
At the same time, according to him, such systems can be used to combat cybercrime,
information hackers and cybercriminals. This improves the reliability, functionality,
reliability, and reliability of the devices.
In such circumstances, it is necessary to use mechanisms to minimize information
risks and mitigate their consequences. House, cyber threats, and cybersecurity are the
main factors influencing the development of cybersecurity.
Mazur noted that information risks related to cybersecurity should be minimized,
and prevention mechanisms such as cybersecurity, cybersecurity, cybersecurity,
cybersecurity, and cybersecurity should be expanded.
Literature review.
Financial and economic aspects of informational risk
insurance foreign Economist scientists K.Ruan, Paul Clumpes, Donatella Porrini,
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R.Böhme[1], G.Schwartz, H.Narang, A.Sharapov[7], Ye.Baranova, I.Ivanov,
V.Nomokonov[2], T.Tropina, S.Smirnov, L.Mamaeva[9], V.Occurs in Larionov
studies[3].
Local economist scholars: H.Sobirov, H.Shennaev[10], C.Kushoshev, A.Jo ' raev,
S.Umarov, R.Azimov, T.Baymuratov[4], I.Abdurakhmonov[11], G.Halikulova,
A.Xolbaev[8], I.Kenjaev, S.Sherov[5], F.Khasanov U.Imamov[6], G.Adilovas in the
research of the insurance industry and some issues of informational risk insurance are
researched.
Methodology.
In the process of performing the study, methods of systematic
analysis and approach, logical and structural analysis, grouping and generalization,
expert assessment and forecasting, mutual and comparative comparison were used.
Analysis and results.
Currently, the main conditions for the formation of informational risk insurance
at the level of demand in the national insurance market of our country will be as
follows, including:
- In Uzbekistan, the digital economy is developing rapidly, and information
occupies the main place in this;
- the issue of comprehensive protection of informational systems for society and
the state and other entities is becoming an urgent issue every day;
- day after day, the intensification of cases of violation of informations, theft,
destruction, as well as the widespread spread of viruses, the threats to the preservation
of their idol are moving;
- to become an urgent issue among the developers of informational systems, the
owners of informational and its users the need for Responsibility and the distribution
of obligations on the maintenance, distribution and other qualifications of
informational.
The main objectives of the creation of modern mechanisms for insurance
protection of informational risks due to the above are as follows, namely:
- the progress of crimes related to technology to become an integral part of our
lives, the theft, violation, disclosure, loss of informational information as a result of
various illegal actions, changes to it, blocking, illegal behavior of persons in order to
reduce trends;
- to encourage the creation of infrastructure for themselves, using the investiture
capacities of insurance companies and their fundamental functions. In this case, the
formation of demand, the optimal establishment of tariffs not only in terms of
compensation for losses, but also in terms of earnings;
- to reduce the risks of losing data and making illegal changes to them, as well as
to improve their adequate financing in order to effectively carry out preventive work
to prevent their harm using the warning function of insurance, in order to effectively
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carry out it not only at the expense of insurance companies, but also by attracting state
and foreign grants. Such measures will be able to lay the groundwork for reducing their
chances of occurrence by several times.
As a result of the occurrence of informational risks in subjects, the following types
of financial costs may occur.
Subjects may incur many costs with the aim of preventing the consequences of
adverse events that may occur in the future. Some of these costs can be equal to the
economic result of the subject's activities. In some cases, they will not be noticeable.
In any case, all types of expenses that occur in economic activity have an indirect and
direct impact on the financial situation of the economic entity. Based on the above,the
entire set of expenses can affect the final financial results of the subject and reduce its
financial stability by several times, in some cases it can also lead to bankruptcy.
As a result of the above, it is an important economic issue for insurance companies
to develop, provide insurance products on the cooling of measures to reduce the
expected costs of the subject, prevent it.
Currently, the risks at which cyber risks, which are a form of informational risks
by insurance companies, can be partially or completely insured are the following,
namely:
the risks of appropriation of confidential information by the employees of the
subject and their use in ulterior motives;
the risk of hackers illegally obtaining information about the credit card numbers
of the subject's clients or their account sheet data;
the risk of embezzlement of funds in the accounts of the subject or funds that are
in the deposit;
risk of disclosure of various confidential information of the enterprise;
risks of accessing a server in a mercenary niche, unauthorized, illegal
modification of information there, hacking;
virtual blackmail (fraud) - risks of stopping a cyber attack or returning stolen
information, demanding money for recovery;
related to the faulty operation of the database;
risks of loss (theft) of digital media that store and transport data.
Also in advanced insurance markets, the practice of insurance in addition to the
insurance of inflationary risks, the following risks and their associated costs are
common. As an example, we can cite the following:
detection of cybercrime, reimbursement of financial costs spent on their
prevention;
costs associated with carrying out various activities to raise the image and image
of the subject as a result of the fall of the subject's retainer as a result of the damage
caused;
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harm of activities related to the protection of the Huquq, which occurs in cases
after damage;
to provide reimbursement for the cost of restoring informational systems, etc.
Currently, insurance copanies have been creating a variety of products in
increasing informational risk insurance coverage. It is common in this to show unversal
products that jointly include their property, the health of their employees, their material
responsibilities before third parties, etc. In this case, we can separately provide liability
insurance for third parties. The reason is that it is second only to informational risks
due to the fact that it can cause significant damage. By adding such services, the offer
embodies the comprehensive protection of the subjects and increases the attractiveness
of the insurance product. Currently, such insurance products are widely promoted in
foreign countries. It is natural that the use of some of them in the national insurance
market also has a good effect. We will cite some of them, including:
types of civil liability insurance of damage to third parties by or without the
knowledge of the entities that provide data protection (manufacturers or intermediaries
who provide direct services to them) themselves;
insurance policies that provide financial, economic moral liability that can be
transmitted to third parties due to errors of electronic platforms (e-purchase, e-auction
trading platforms, etc.) and various trading exchanges;
risks such as civil liability insurance of licensed centers operating in data (open
data) infrastructure.
Information tools and services provided to subjects are responsible for causing
harm to third parties, including in connection with data leakage, data leakage, data
leakage, personal data leakage, etc. As a result of the conducted research, it was found
that when exposed to harmful substances that cause allergic reactions, side effects may
occur in the human div. An amaliet can be several times the amount of damage caused
by their financial resources and assets. As a result of losses caused to a third party, the
bankrupt faces bankruptcy. Sub-Zero and Amaliet were killed, and they were released.
If no malware (deception, image) has been found, then it can be used to create malware.
Agar sugurta polisi mavjud buladigan bulsa bunda company tomonidan limitlar
shirnatili va mizhozlar yzlari etkazishlari mumkin bulgan maximum zararlar paketini
tanlab olishadi va sugurta komaniyalari shu zararlar limiti doirasida mizhozlari
tomonidan etkazilgan zararlar mikdorini tilab berishadi yeki sha zararlar mikdorlari
byicha zhavobgarliklarni olib borishadi. Bunda esa ularning maximum kiladigan
kharazhatlari shu polislarni sotib olishga ketadigan mikdorlarni tashkent etadi. Yz
yzidan bu mikdorlar zararlar mikdoridan bir necha yuz martalab kam mikdorlarni
tashkent etadi. Because they couldn't get out of the cave, they turned into zombie
monsters. That's what we'd like to do, and that's what we'd like to do.
Information risks associated with human rights violations are associated with
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violations of international law and human rights, as well as violations of international
law. Do not pay attention to the fact that information risks associated with financial
services can be minimized. According to Mikhail Amalietdinov, an expert in the field
of information security and risk management in the field of consumer protection and
human well-being, the implementation of a risk-based approach will reduce
information risks and risks associated with consumer rights violations based on the
experience of foreign countries.In order to speed up the process, it is necessary to speed
up the amalgam. Information risks in these processes are a set of factors that affect the
speed of information transfer. In accordance with the legislation of the Russian
Federation On Countering Information Risks in the Field of Intellectual property, in
accordance with the legislation of the Russian Federation On Countering Information
Risks in the Field of Intellectual property, this entity must be represented as an
independent entity.
In accordance with the requirements of the law on Countering Information Risks
in the securities market, it is necessary to develop its activities, including through the
creation of independent and specially authorized bodies. This should be to keep abreast
of all the events taking place on the planet.:
The first thing you need to know about cyberspace is how it works. Cybersecurity
is a set of risks associated with data leakage, hacker attacks, privacy violations, etc. In
our case, this is a cyber threat. The risks associated with this include: hacker attacks,
malware, phishing, and DDoS (Distributed Denial of Service). This indicates a
reduction in risks. In addition, to protect CTP policies, companies can use, for example,
secure CTP servers (this requires specialists who will check CTP policies), the data can
be used to assess the risks associated with leakage, leakage or leakage of data, as well
as to assess the risks associated with leakage or leakage of data., in case we are unable
to track the actions of the attackers, we will be able to track their actions and gain
access to files and file systems.
Secondly, there are information risks. The main purpose of this agreement was to
convince the parties that they could conclude peace treaties rather than peace treaties.
This provides an opportunity for companies that may be interested in raising tariff rates,
thus reducing tariff rates and responding appropriately to them. In jurisprudence,
Amalasunta is considered as the most likely reason why he was executed.::
The risks associated with the paradox can be divided into: risks related to
information and information flows of users, risks related to their activities, and risks
that they may pose in the future. The forecast for the number of victims is being
clarified.
Information risks and vulnerabilities: Information risks include vulnerabilities
(e.g. malware, viruses, and viruses) and malware.
Insurance includes automation of work processes and information programs.
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Bunda informationklarning tasirini kamaitirish va oldini olish borasida technologik va
mamuriy chora-tadbirlar mazhmualari ishlab chikiladi.
Thirdly, it is the process of exchanging data and information between users. The
data that is used in the process of working with data is stored in files stored in the file
system and transferred to the server, where it is stored in the file system. Sabbath
Systems did not provide the data, but provided them with the information they needed
to be able to recover. In this case, the data is stored on one server and then transferred
to another: backup copies of the data (archiving) stored on different servers are stored
on the same server.If the information cannot be processed to the extent that it is needed,
then it can be used in real time to perform certain actions and actions. Bu asosan yuz
Berishi Mumkin bulgan risklar guruiga nisbatan ularning salbiy tasirlarini
kamaitirishga karatilgan va kam kharazhatlarni amalga oshirish natijasida mamotlarni
tiklash bilan boglik kiska muddatli strategialar ishlab chikilishi kerak biladi. Ular orkali
tez va kam kharazhat kolaversa kiska vakhtlarda ularni tiklas choralari kirilishi
kerakligi anglatadi.
Conclusion
Among the obstacles to informational risk insurance in our country are the lack
of experience of insurers in this regard and, accordingly, their lack of qualification to
a certain extent. As a result of his research, the problems arise mainly from the fact that
the potential insurer does not understand the essence of the main content of IT
technology and security provision. In some cases, its original purpose is often
incomprehensible to insurers.
Currently, there is no specific approach to assessing informational risks in our
country, and there are also no separate insurance tariffs for informational risk
insurance, for which the usual methodology for risky types of insurance is used, which
slows down the development of this segment in our country.
In place of the conclusion, it can be noted that in our national insurance market,
the type of informational risk insurance is going through its stages of development. In
this, not only insurance companies and potential insurers, but also the state have shown
a number of effective interests. In such conditions, we will be able to emphasize that
the prospect of this type of insurance in the near future will show positive
circumstances. But this area is much more than what needs to be done. For example,
an excellent legislative framework has not yet been created for informational risk
insurance, but it will also be appropriate to reflect on the introduction of their socially
oriented mandatory manifestations in the initial periods.
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– O‘zbekiston Respublikasi Istiqbolli loyihalar milliy
agentligining rasmiy sayti ma’lumotlari.
