Abstract
Ushbu maqolada banklarda kredit berish jarayonida sug'urta amaliyotini takomillashtirishning ahamiyati tahlil etiladi. Tadqiqotda sifatli va miqdoriy usullar qo‘llanilib, natijalar sug‘urta xizmatlarining samaradorligini oshirishga qaratilgan yangi yondashuvlarni taklif etadi.
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