BONKI UNIVERSALI, bonke, ki dar doirai amaliyotash mahdudiyathoi kamtarin dorad. In bonkho imkon dorand, ki amaliyoti muqarrarii bonki (dodani qarz, amonatho, khidmati hisobdorii khazinavi)-ro bo amaliyot tavassuti kogazhoi qimatnok (dalloli, faoliyati sarmoyaguzorii bonki) hamroh sozand, shirkathoi gayrimoliyaviro bevosita mablagguzori namoyand, amaliyoti sugurtavi doir namoyand va gayra Bonki universiali nisbat ba bonkhoi makhsusgardonida ustuvortar meboshad, zero on faoliyati tijorati va sarmoyaguzoriro muttahid mesozad. Baroi mushtariyon saru kor doshtan bo yak bonk nisbatan muvofiq ast. Dar bisyor davlathoi mutaraqqi (IMA, Russiya va gayra) aksari bonkho universali meboshand.
Sh. Dustboev.