RAQAMLI IQTISODIYOT SHAROITIDA O‘ZINI O‘ZI BAND QILGANLARNING PENSIYA TA’MINOTI: PLATFORMA VA DAVLAT INTEGRATSIYASI MODELI
Keywords:
raqamli iqtisodiyot, gig-iqtisodiyot, platforma bandligi, o‘zini o‘zi band qilganlar, pensiya ta’minoti, API-integratsiya, mikro-badal, ijtimoiy himoya, soliq madaniyati, shakllanmagan sektor.Abstract
Maqolada raqamli iqtisodiyot sharoitida o‘zini o‘zi band qilganlar va platforma ishchilarining pensiya ta’minoti masalalari kompleks tahlil qilingan. O‘zbekistonda gigiqtisodiyotning jadal sur'atlar bilan o‘sishi natijasida vujudga kelayotgan strukturaviy disbalans — bandlikning rasmiy sektordan platforma-mediatsiyalashgan mehnat munosabatlariga ko‘chishi va shu jarayon natijasida shakllanayotgan ijtimoiy himoya bo‘shlig‘i — empirik ma’lumotlar asosida baholangan. Tadqiqotning markaziy elementi sifatida raqamli platformalar (Yandex Go, Uzum Tezkor, Bringo, Express24 va boshqalar) bilan davlat soliq-pensiya tizimi o‘rtasida API-darajadagi to‘g‘ridan-to‘g‘ri integratsiyani ta’minlovchi konseptual model ishlab chiqilgan. Modelda har bir tranzaksiyadan avtomatik mikro-badallar undirish va ularning xodimning shaxsiy yig‘ma pensiya hisobvarag‘iga real vaqt rejimida o‘tkazilishi mexanizmi asoslangan. Statistik ekstrapolyatsiya usuli asosida 2025–2030 yillar uchun byudjet daromadlari va pensiya jamg‘armasi to‘ldirilishining prognoz qiymatlari hisoblab chiqilgan. Tadqiqot natijalari Soliq qo‘mitasi, Pensiya jamg‘armasi va Kambag‘allikni qisqartirish va bandlik vazirligi uchun amaliy ahamiyatga ega bo‘lgan to‘rtta innovatsion mexanizm taklifi bilan yakunlangan.
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