<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2218-3620</journal-id>
<journal-title><![CDATA[Revista Universidad y Sociedad]]></journal-title>
<abbrev-journal-title><![CDATA[Universidad y Sociedad]]></abbrev-journal-title>
<issn>2218-3620</issn>
<publisher>
<publisher-name><![CDATA[Editorial "Universo Sur"]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2218-36202023000200234</article-id>
<title-group>
<article-title xml:lang="en"><![CDATA[Insurance system development problems and solutions in Azerbaijan]]></article-title>
<article-title xml:lang="es"><![CDATA[Problemas y soluciones del desarrollo del sistema de seguros en Azerbaiyán]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Atashov]]></surname>
<given-names><![CDATA[Bayal&#305; Khanal&#305;]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Azerbaijan University of Cooperation  ]]></institution>
<addr-line><![CDATA[ Baku]]></addr-line>
<country>Azerbaijan</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>04</month>
<year>2023</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>04</month>
<year>2023</year>
</pub-date>
<volume>15</volume>
<numero>2</numero>
<fpage>234</fpage>
<lpage>245</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://scielo.sld.cu/scielo.php?script=sci_arttext&amp;pid=S2218-36202023000200234&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.sld.cu/scielo.php?script=sci_abstract&amp;pid=S2218-36202023000200234&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.sld.cu/scielo.php?script=sci_pdf&amp;pid=S2218-36202023000200234&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT Insurance is of great importance in the economy of a country since it helps to transfer the risk of an individual or company to the insurance company, which reduces uncertainty, helps protect people and companies against financial losses, in addition to promoting investment and consumption. Like any other economic activity, insurance has had a historical evolution and currently presents certain potentials as well as challenges. Thus, the aim of this paper is to analyze the global insurance market, specifically the problems and possible solutions for the development of the insurance system in Azerbaijan. The role, importance, and contributions of insurance in aspects related to economic activity are based, highlighting the role of insurance services in cases of difficulties and damages faced by subjects such as losses caused by fires, carelessness, natural disasters and other events. The problems of regulation of the insurance activity, strengthening of the legislative framework and creation of a healthy competitive environment for insurance companies are also emphasized. In this way, the problems of development of the insurance system in Azerbaijan as a young and independent state are outlined. Then, on the basis of modern reality and existing mechanisms, various proposals and recommendations on the problems of development and improvement of the insurance system in Azerbaijan in the near future have been developed.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[RESUMEN Los seguros tienen gran importancia en la economía de un país dado que ayudan a transferir el riesgo de un individuo o empresa a la compañía de seguros, lo que reduce la incertidumbre, ayuda a proteger a las personas y empresas contra pérdidas financieras, además que promueven la inversión y el consumo. Como cualquier otra actividad económica los seguros han tenido una evolución histórica y en la actualidad presentan determinados potenciales, así como retos y desafíos. Así, el objetivo de este trabajo es analizar el mercado global de seguros, específicamente los problemas y posibles soluciones para el desarrollo del sistema de seguros en Azerbaiyán. Se fundamenta el papel, trascendencia y aportes del seguro en aspectos relacionados con la actividad económica destacando el papel de los servicios de seguros en casos de dificultades y daños que enfrentan los sujetos como pérdidas causadas por incendios, descuidos, desastres naturales y otros eventos. Se enfatizan además los problemas de regulación de la actividad aseguradora, fortalecimiento del marco legislativo y creación de un ambiente competitivo saludable para las compañías de seguros. De esta manera se delinean los problemas del desarrollo del sistema de seguros en Azerbaiyán como un estado joven e independiente. Luego, sobre la base de la realidad moderna y los mecanismos existentes, se han desarrollado varias propuestas y recomendaciones sobre los problemas de desarrollo y mejora del sistema de seguros en Azerbaiyán en un futuro próximo.]]></p></abstract>
<kwd-group>
<kwd lng="en"><![CDATA[Azerbaijan insurance system]]></kwd>
<kwd lng="en"><![CDATA[Insurance development problems]]></kwd>
<kwd lng="es"><![CDATA[Sistema de seguros de Azerbaiyán]]></kwd>
<kwd lng="es"><![CDATA[Problemas de desarrollo de seguros]]></kwd>
</kwd-group>
</article-meta>
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