BANK XIZMATLARINI SUGʻURTALASHNING ILMIY-NAZARIY ASOSLARI
DOI:
https://doi.org/10.55439/INS/vol3_iss2/378##article.subject##:
bankassurance, risk, sugʻurta, bank xizmatlari, moliyaviy vositachilik, integratsiya, korporativ boshqaruv.##article.abstract##
Ushbu maqolada bank xizmatlarini sugʻurtalashning ilmiy-nazariy asoslari, uning iqtisodiy mohiyati va zamonaviy moliyaviy tizimdagi oʻrni tahlil qilinadi. Bank va sugʻurta institutlari oʻrtasidagi integratsiya jarayonlari, xususan, bankassurance modeli orqali moliyaviy xizmatlar samaradorligini oshirish masalalari yoritilgan. Tadqiqot davomida risk nazariyasi, institutsional yondashuv va moliyaviy vositachilik nazariyalari asosida bank xizmatlarini sugʻurtalash mexanizmlari oʻrganildi. Shuningdek, rivojlangan davlatlar tajribasi asosida ushbu yoʻnalishning amaliy ahamiyati va Oʻzbekiston sharoitida qoʻllash imkoniyatlari asoslab berildi. Tadqiqot natijasida bank xizmatlarini sugʻurtalash moliyaviy barqarorlikni ta’minlash, risklarni diversifikatsiya qilish va mijozlar ishonchini oshirishda muhim instrument ekanligi aniqlangan.
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