{"id":5421,"date":"2026-05-18T12:46:28","date_gmt":"2026-05-18T12:46:28","guid":{"rendered":"https:\/\/interfinance.tsue.uz\/?p=5421"},"modified":"2026-05-18T12:50:18","modified_gmt":"2026-05-18T12:50:18","slug":"ways-to-improve-the-integration-of-banking-and-insurance-services-in-the-financial-incentivization-of-the-tourism-industry","status":"publish","type":"post","link":"https:\/\/interfinance.tsue.uz\/?p=5421","title":{"rendered":"WAYS TO IMPROVE THE INTEGRATION OF BANKING AND INSURANCE SERVICES IN THE FINANCIAL INCENTIVIZATION OF THE TOURISM INDUSTRY"},"content":{"rendered":"\n<p><strong><em>Kamalova Jamila<\/em><\/strong><em><br>Independent Researcher, Tashkent State University of Economics<br>Tashkent, Uzbekistan<\/em><em> <\/em><em>Email:j.kamalova@tsue.uz<br><\/em><em>ORCID: 0000-0002-2595-9344<\/em><em><\/em><\/p>\n\n\n\n<p><strong><em>Annotation<\/em><\/strong><em>. 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\u2013insurance 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.<\/em><\/p>\n\n\n\n<p><strong><em>Keywords.<\/em><\/strong><em> Tourism industry, financial incentives, commercial banks, insurance companies, bank\u2013insurance integration, credit policy, risk management, investment, financial stability, tourism organizations.<\/em><\/p>\n\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2026\/05\/Kamalova-Jamila.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of Kamalova Jamila.\"><\/object><a id=\"wp-block-file--media-4821f750-f9bd-49fb-9d1a-8f6c4b51a5ed\" href=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2026\/05\/Kamalova-Jamila.pdf\">Kamalova Jamila<\/a><a href=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2026\/05\/Kamalova-Jamila.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-4821f750-f9bd-49fb-9d1a-8f6c4b51a5ed\">Download<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Kamalova JamilaIndependent Researcher, Tashkent State University of EconomicsTashkent, Uzbekistan Email:j.kamalova@tsue.uzORCID: 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 <a href=\"https:\/\/interfinance.tsue.uz\/?p=5421\" class=\"read-more\">Read More &#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[74],"tags":[],"class_list":["post-5421","post","type-post","status-publish","format-standard","hentry","category-2026-2-issue-1-6"],"_links":{"self":[{"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/5421","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=5421"}],"version-history":[{"count":2,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/5421\/revisions"}],"predecessor-version":[{"id":5425,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/5421\/revisions\/5425"}],"wp:attachment":[{"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5421"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5421"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5421"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}