XUDOYBERDIYEVA SADOQAT ABDUMANNONOVA. THE NEED AND IMPORTANCE OF THE PROCESS OF INTEGRATION OF INSURANCE COMPANIES AND COMMERCIAL BANKS. Spectrum Journal of Innovation, Reforms and Development, [S. l.], v. 23, p. 11–17, 2024. Disponível em: https://sjird.journalspark.org/index.php/sjird/article/view/920. Acesso em: 31 jan. 2025.