TIJORAT BANKLARI KREDITLASH AMALIYOTINI SUG‘URTA XIZMATLARI ORQALI RIVOJLANTIRISH ISTIQBOLLARI
DOI:
https://doi.org/10.5281/zenodo.18113828Keywords:
tijorat banklari, kreditlash, sug‘urta xizmatlari, kredit risklari, bancassurance, moliyaviy barqarorlik.Abstract
Mazkur maqolada tijorat banklari kreditlash amaliyotini sug‘urta xizmatlari orqali rivojlantirishning nazariy
va amaliy jihatlari yoritilgan. Kredit risklarini kamaytirishda sug‘urtaning o‘rni, bank va sug‘urta kompaniyalari o‘rtasidagi
hamkorlik mexanizmlari hamda bank sug‘urtasi (bancassurance) modelining afzalliklari tahlil qilingan. Shuningdek, kredit
portfeli sifatini oshirish, mijozlar ishonchini mustahkamlash va moliyaviy barqarorlikni ta'minlashda sug‘urta xizmatlaridan
samarali foydalanish istiqbollari ko‘rib chiqilgan. Tadqiqot natijalari tijorat banklari faoliyatida kreditlash jarayonini
takomillashtirish va risklarni boshqarish tizimini rivojlantirish bo‘yicha amaliy tavsiyalarni shakllantirishga xizmat qiladi
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