Kamalova Jamila
Independent Researcher, Tashkent State University of Economics
Tashkent, Uzbekistan Email:j.kamalova@tsue.uz
ORCID: 0000-0002-2595-9344
Annotation. This article examines issues related to improving the integration of banking and insurance services in the financial incentivization of the tourism industry. It analyzes the interrelationship between the credit policies of commercial banks and the risk management mechanisms of insurance companies in the financing process of tourism organizations. The study also highlights the importance of bank–insurance integration in ensuring efficient use of financial resources in the tourism sector, increasing investment attractiveness, and maintaining financial stability. Based on the dynamics of insurance payments and credit portfolio indicators, empirical analyses were conducted, and scientific proposals and recommendations were developed for the development of the sector.
Keywords. Tourism industry, financial incentives, commercial banks, insurance companies, bank–insurance integration, credit policy, risk management, investment, financial stability, tourism organizations.