TIJORAT BANKLARIDA MIJOZLARGA YO‘NALTIRILGAN MOLIYAVIY XIZMATLAR TIZIMINI TAKOMILLASHTIRISH
DOI:
https://doi.org/10.68549/f9p3aj05Keywords:
tijorat banklari, mijozga yo‘naltirilganlik, bank xizmatlari, moliyaviy inklyuzivlik, mijozlar tajribasi, xizmat sifati, mijozlar sodiqligi, iste’molchilar huquqlarini himoya qilish, murojaatlar indeksi, qarz yuki, moliyaviy salomatlik, raqamli bank xizmatlari, jamg‘arma mahsulotlari, CRM.Abstract
Maqolada tijorat banklarida mijozlarga yo‘naltirilgan moliyaviy xizmatlar tizimini takomillashtirishning nazariy va amaliy jihatlari tadqiq etiladi. O‘zbekistondagi milliy moliyaviy inklyuzivlik indekslari, iste’molchilar murojaatlari statistikasi, murojaatlar indeksi hamda qarz yukiga oid ma’lumotlar qiyosiy tahlil qilinadi. Mijozga yo‘naltirilganlikni xizmatlardan foydalanish imkoniyati va chuqurligi, xizmat sifati, iste’molchi huquqlarini himoya qilish hamda moliyaviy salomatlikning o‘zaro bog‘liq mezonlari asosida baholash yondashuvi taklif etiladi. Natijada mijoz natijalariga asoslangan rag‘batlantirish, murojaatlar bilan ishlash va jamg‘arma mahsulotlarini rivojlantirish bo‘yicha takliflar shakllantiriladi.
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