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<article article-type="research-article" dtd-version="1.2" xml:lang="ru" xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink"><front><journal-meta><journal-id journal-id-type="issn">2409-1634</journal-id><journal-title-group><journal-title>Research result. Economic Research</journal-title></journal-title-group><issn pub-type="epub">2409-1634</issn></journal-meta><article-meta><article-id pub-id-type="doi">10.18413/2409-1634-2025-11-3-0-9</article-id><article-id pub-id-type="publisher-id">3916</article-id><article-categories><subj-group subj-group-type="heading"><subject>FINANCE</subject></subj-group></article-categories><title-group><article-title>&lt;strong&gt;ANALYSIS AND MODELING OF FACTORS OF INTEGRATION INTERACTION OF CREDIT AND FINANCIAL INSTITUTIONS&lt;/strong&gt;</article-title><trans-title-group xml:lang="en"><trans-title>&lt;strong&gt;ANALYSIS AND MODELING OF FACTORS OF INTEGRATION INTERACTION OF CREDIT AND FINANCIAL INSTITUTIONS&lt;/strong&gt;</trans-title></trans-title-group></title-group><contrib-group><contrib contrib-type="author"><name-alternatives><name xml:lang="ru"><surname>Pashkova</surname><given-names>Elena N,</given-names></name><name xml:lang="en"><surname>Pashkova</surname><given-names>Elena N,</given-names></name></name-alternatives><email>epashkova@bsu.edu.ru</email></contrib></contrib-group><pub-date pub-type="epub"><year>2025</year></pub-date><volume>11</volume><issue>3</issue><fpage>0</fpage><lpage>0</lpage><self-uri content-type="pdf" xlink:href="/media/economic/2025/3/Экономические_исследования-108-119.pdf" /><abstract xml:lang="ru"><p>The study examines the integration of banks, insurance, and leasing companies in the Russian financial market. Economic crises, exchange rate fluctuations, inflation, sanctions, internal security measures, and other macroeconomic factors are forcing banks to seek new ways to diversify risks and reduce uncertainty. The integration of banks and financial institutions is particularly important due to a number of objective factors: the need to expand their resource base, develop combined financial products, increase customer appeal, and strengthen their competitive position. A highly competitive environment challenges banks and other financial institutions to attract and retain more clients. One effective way to achieve this is by offering comprehensive financial products and services, which can be achieved through integration. For example, integrating a bank with other financial institutions allows for a broader range of services, offering banking, insurance, and leasing products simultaneously. This increases profitability and customer satisfaction. Integration partners can also leverage each other&amp;#39;s expertise and technologies, utilize a unified IT platform, and collaborate with partners. The integration mechanism allows for the pooling of resources, reduction of development and promotion costs, marketing expenses, and administrative overhead. It also allows for the revision of the organizational structure, elimination of duplication, and streamlining of decision-making. The joint efforts of integration participants help strengthen market positions and counter external threats.

The purpose of this study is to assess the factors facilitating and hindering the development of integrated interactions between banks, insurance, and leasing companies in the domestic financial market. The study utilized a statistical method&amp;mdash;correlation and regression analysis&amp;mdash;to identify macro-, micro-, and industry-specific factors influencing the integration of banks, insurance, and leasing companies.

These results contribute to the development of a theory of integrated relationships between credit and financial institutions in the domestic financial market and form the foundation for future research aimed at improving the effectiveness and sustainability of integrated interactions in the financial environment.</p></abstract><trans-abstract xml:lang="en"><p>The study examines the integration of banks, insurance, and leasing companies in the Russian financial market. Economic crises, exchange rate fluctuations, inflation, sanctions, internal security measures, and other macroeconomic factors are forcing banks to seek new ways to diversify risks and reduce uncertainty. The integration of banks and financial institutions is particularly important due to a number of objective factors: the need to expand their resource base, develop combined financial products, increase customer appeal, and strengthen their competitive position. A highly competitive environment challenges banks and other financial institutions to attract and retain more clients. One effective way to achieve this is by offering comprehensive financial products and services, which can be achieved through integration. For example, integrating a bank with other financial institutions allows for a broader range of services, offering banking, insurance, and leasing products simultaneously. This increases profitability and customer satisfaction. Integration partners can also leverage each other&amp;#39;s expertise and technologies, utilize a unified IT platform, and collaborate with partners. The integration mechanism allows for the pooling of resources, reduction of development and promotion costs, marketing expenses, and administrative overhead. It also allows for the revision of the organizational structure, elimination of duplication, and streamlining of decision-making. The joint efforts of integration participants help strengthen market positions and counter external threats.

The purpose of this study is to assess the factors facilitating and hindering the development of integrated interactions between banks, insurance, and leasing companies in the domestic financial market. The study utilized a statistical method&amp;mdash;correlation and regression analysis&amp;mdash;to identify macro-, micro-, and industry-specific factors influencing the integration of banks, insurance, and leasing companies.

These results contribute to the development of a theory of integrated relationships between credit and financial institutions in the domestic financial market and form the foundation for future research aimed at improving the effectiveness and sustainability of integrated interactions in the financial environment.</p></trans-abstract><kwd-group xml:lang="ru"><kwd>integration</kwd><kwd>model</kwd><kwd>form</kwd><kwd>bancassurance</kwd><kwd>leasing</kwd><kwd>synergy</kwd><kwd>diversification</kwd></kwd-group><kwd-group xml:lang="en"><kwd>integration</kwd><kwd>model</kwd><kwd>form</kwd><kwd>bancassurance</kwd><kwd>leasing</kwd><kwd>synergy</kwd><kwd>diversification</kwd></kwd-group></article-meta></front><back><ref-list><title>Список литературы</title><ref id="B1"><mixed-citation>1. Averchenko O.D. (2019) &amp;ldquo;Assessing the effectiveness of interaction between banks and insurance companies: methodology and criteria&amp;rdquo;, Banking services, 5: 2-10. 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