BANK XIZMATLARI SIFATINI OSHIRISHNING INSTITUTSIONAL VA TASHKILIY MEXANIZMLARI
DOI:
https://doi.org/10.55439/INS/vol3_iss1/369##article.subject##:
bank xizmatlari sifati, institutsional mexanizm, tashkiliy boshqaruv, korporativ madaniyat, regulator siyosati, ichki nazorat tizimi, javobgarlik taqsimoti, sifat strategiyasi, institutsional barqarorlik.##article.abstract##
Mazkur maqolada bank xizmatlari sifatini oshirishning institutsional va tashkiliy mexanizmlari ilmiy jihatdan tahlil qilinadi. Tadqiqotda xizmat sifati faqat operatsion ko‘rsatkichlar emas, balki regulator siyosati, ichki boshqaruv tizimi, tashkiliy tuzilma va korporativ madaniyat bilan bog‘liq kompleks jarayon sifatida talqin etiladi. Institutsional muhitning barqarorligi va normativ talablarning aniqligi xizmat sifati strategiyasini shakllantirishda muhim omil sifatida baholanadi. Shuningdek, bank ichidagi javobgarlik taqsimoti, sifat bo‘yicha alohida funksional birliklar mavjudligi va xodimlar malakasi xizmat sifati darajasiga bevosita ta’sir ko‘rsatishi asoslab beriladi. Maqolada xizmat sifati boshqaruvining tashkiliy modeli ishlab chiqilib, uning samaradorlik shartlari aniqlanadi. Tadqiqot natijalari banklarda sifatni institutsional darajada mustahkamlash zarurligini ko‘rsatadi.
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