ضمانات القروض كآلية لتحقيق التكامل بين البنوك وشركات التأمين

Abstract

This study aims to highlight one of the most important topics of curent interest : the role of Loan guarantees in achieving integration between banks and insurance companies. It does so by examining the mechanisms employed by both banks and insurance companies to activate these guarantees, thereby mitigating the risk of non-payment and identifying optimal products that enhance the quality of services offered. This study is supported by a field study of the National Savings and Reserve Fund (a bank) and the National Insurance Company (SAA). The study concludes that loan guarantees play a vital role in strengthening the relationship between banks and insurance companies and activating their complementary role. This is achieved through the protection that insurance companies provide to banks against the risks they face, namely the risk of non-payment. Consequently, cooperation between banks and insurance companies allows them to offer products to a wider range of clients, which in turn stimulates economic activity and promotes financial stability.