Abstract: This article considers the development of insurance as part of the financial market requires clarity such as self-awareness and definition of its categories. Representatives of economic and legal sciences are interested in identification of insurance agents. According to Economist Adolf Wagner, this "economic institute" separates the at least some of the events that eradicate the harmful effects of the individual's property, so there are still some of the same dangerous situations.
Key words: insurance agent, money resource, effectiveness, requirement
In the Goby, insurance is treated as a distribution between a number of persons future, unknown and occasional needs. Considering the theory of the Gobby as fundamental idea, believed that the main purpose of insurance is to satisfy a random of need. In reality, as insurance practice shows, insurance is called upon, before in all, to satisfy the property and monetary needs of citizens and legal entities, The emergence of certain random encounters.
K.A. Grave and LA Lunts, under insurance in the broad sense of the word, understood, first of all, the aggregate of activities for creating resources of material and (or) money resources, at the expense of which are corrected the correction of harm, the restoration of loss in the social economy at natural disasters or accidents.
The main organization and legal regulation of insurance relations in Uzbekistan is The law "On Fearful Activities". In this law, the definition of insurance as " protection of property interests of individuals and legal entities, with the advent of certain insurance cases at the expense of cash funds, paid to insurers from paid insurance premiums (insurance premiums), as well as at the expense of other means of insurance companies".
The high share of plant life in the agricultural economy has led to the fact that more attention paid to health insurance. Because of the high price, insurance insurance for agricultural producers unsuccessful and the application has received a variant of insurance of the property, carried out with state Support. In this form of insurance, an attempt has been made to compile a market principle - economic self-sufficiency of the producer of goods with instruments of state regulation.
For many years of application of such a method of insurance, it revealed its main shortcomings. Po The development of this segment of the insurance market revealed the main problems in agro-insurance: all The measures do not represent the totality of the economic measures that provide the active participation of agricultural producers in insurance and a high level of insurance protection; low interest agricultural producers to insurance as an instrument of fear protection; imperfect mechanism state participation in this process; insecure legal security; inaccuracy instruments of the institute of insurance of modern requirements. In fact, the insurance in the agricultural economy should develop in several directions - with state support, on the commercial basis and on the basis of mutual insurance. Forming a system of insurance agricultural activity is inextricably linked with the reconciliation of the entire agricultural economy. Considering agro-insurance as an element of agrarian policy, we see that the activities aimed at to strengthen the agricultural economy and to ensure the sustainable security of the country, require mutual relations of all agrarian policy. The main activities carried out within the framework of the agrarian policy, to various degrees there is a loss in the organization of insurance agricultural activity.
To date, the latest conceptual innovation in the field of development strategies is inclusive growth. The concept inclusive growth is based on the fact that the well-being of society is multidimensional concept, its level should not be measured only steady growth rates of real GDP and material incomes of the population. Empirical studies have shown that even countries, having the same level of average incomes of the population, can significantly 40 differ in terms of indicators of "involvement" and "quality of life". Opportunities to have work, access to education and health services, clean air and drinking water, as well as the level of social protection and opportunities for each person to participate in society. In this way, only the "sustainability" parameter for economic growth it is not enough: growth should be inclusive.
Conclusion: Insurance in the overwhelming majority of countries is abusive, but state in every possible way stimulates the producers not to neglect this risk management tool. Practically everywhere the agricultural producer can count on state support, only if he has hands fear plane. The forms of this support and the system of state-private partnership in this sphere can be completely different, and our country can choose its own way of development of this sphere, It is composed with the account of climatic and mental features. Agrarian insurance should It can be implemented as a part of agrarian policy and may be effective if there is long-term the normal base and the success of the ongoing activities. Priority in the system agricultural insurance should be, in the first place, the interests of the farmer, preservation of domestic agricultural production and maintenance of occupational safety countries.
Literature
1. Karimov I.A. Uzbekistan aspires to XXI century. Tashkent: Uzbekistan, 1999, p.
2. Law of the Republic of Uzbekistan "On Education". // Barkamol avlod - the foundation of the development of Uzbekistan. - Tashkent: East, 1997.
3. National Program for Personnel Training of the Republic of Uzbekistan // Barkamol avlod - the foundation of the development of Uzbekistan. - Tashkent: East, 1997.
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