This article discusses issues of financial support for the agricultural sector. A review of existing instruments of state financial support for agricultural producers in developed countries was carried out. An analysis of direct and indirect methods of financial support for the agricultural sector of the USA and Canada was carried out. As a result of the analysis, conclusions were drawn about financial support for the agricultural sector
This article examines the multifaceted issues of non-performing loans in commercial banks, focusing on understanding their specific features, emphasizing important issues related to risk management in financial institutions. The study includes factors influencing the occurrence of problem loans, their economic indicators, the state of the credit market, characteristics of borrowers, as well as regulatory effects. In addition, the study examines the specific characteristics of problem loans, such as loan volume, type and collateral, and highlights the circumstances that distinguish them from loans. It also presents important approaches of commercial banks to develop effective strategies to reduce the risk of loan default.
This article discusses the theoretical views of improving the efficiency of management of innovation processes in commercial banks, thanks to this, the issues of the development of the credit system have been studied. Practical proposals on Innovative activities of banks are also given, characterized by high uncertainty, which in turn requires the use of flexible and adaptive risk management models.
This article examines the concept and essence of retail business, retail lending and retail customer service, the role and importance of the implementation of social packages of services in the development of the country's economy, the donation of local and international financial institutions and foreign banks in the formation of banking resources. Moreover, the role and importance of the development of lending to retail customers, which is significant for a commercial bank, are considered. The perspective of the development of retail banking lending and its role in the development of the country's economy is considered. Suggestions and recommendations for improving retail lending are given
The article is aimed at increasing the efficiency and strengthening the financial stability of commercial banks of Uzbekistan, analyzing the main factors influencing the return on assets (ROA) indicator. Based on data from the Central Bank, the growth of the loan portfolio and the increase in the share of loans from individuals were analyzed. The article substantiates the need for strict management of credit risks, optimization of interest margins, optimization of operating expenses through digital technologies, and strategic diversification of assets through securities as the main drivers of increasing operational efficiency.
In this article, the need for a mortgage loan, its working mechanisms, and specific aspects of the Islamic mortgage offered by Islamic financial institutions were studied. Also, the Islamic financial instruments used in housing financing in different countries and their advantages were analyzed, and a comparative analysis of the Islamic mortgage and the mortgage offered by traditional banks was also carried out.
This article discusses the corporate income tax of banks. Empirical studies have revealed the significance of the impact of corporate income tax on the structure of capital and liabilities of banks, leverage and loan portfolios. As a result of the analysis, conclusions were drawn on the taxation of bank profits.
This article examines interbank competition and its role in ensuring the stability of the country's banking system. In addition, the article analyzes the current state of interbank competition in our country and its specific trends, stability of the banking system and the factors influencing it. Relevant conclusions have been developed.
The article examines the concept and essence of investment lending and project financing, foreign experience of banks in financing investment projects. It is known that financing large enterprises in the country contributes to GDP growth and sustainable economic development. Today, Uzbekistan pays great attention to improving the financial and banking sector, banks with a state share are on the way to privatization. International financial institutions such as the International Finance Corporation (IFC), the European Bank for Reconstruction and Development (EBRD) and the Asian Development Bank (ADB) are involved in the process of privatization of the banking sector. In this study, the possibilities of applying foreign experience in financing investment projects were studied
The article presents analytical opinions about the work carried out to reduce poverty in our country and the region, as well as future plans. As a result of training the population in entrepreneurship and thrift, a statistical analysis of the work carried out to reduce poverty and further develop the standard of living of the population based on the neighborhood work system was carried out. In the conclusion, proposals and recommendations for the further development of the living standards of the population based on the neighborhood work system are presented
The article examines the concept and essence of technical support, its role in evaluating promising projects, trends in the development of financing investment projects, issues of raising funds and factors influencing their timely development. The foreign experience of banks in attracting credit resources from international financial organizations has been studied. In addition, the possibilities of applying international experience in the field of technical evaluation of projects, ways of cooperation with international financial institutions such as the International Finance Corporation (IFC), the International Bank for Reconstruction and Development (IBRD), the European Bank for Reconstruction and Development (EBRD) and the Asian Development Bank (ADB) were considered.
In the article, the structure of assets in commercial banks and their grouping, the reasons for the emergence of problem assets and the internal and external factors affecting their emergence, based on their analysis, are studied. Also, the signs that lead to acceptable loans in the lending process of banks are also covered.
This article analyzes the directions of increasing economic efficiency by transforming Joint Stock Companies. The indicators of economic efficiency were explained by the growth of bank assets, population deposits and loan investments
The purpose of this study is to analyze the current state of the educational services market in Uzbekistan, focusing on public and private institutions at various levels of education. This analysis is of scientific importance in the development of policies that increase the current state and quality of education in Uzbekistan, as well as competitiveness, and the author's analytical comments are presented.
Ensuring the quality of asset portfolios of commercial banks, the need to ensure their financial stability and liquidity is considered one of the current issues. In this scientific article, an attempt was made to develop a scientific proposal and practical recommendations on ways to increase the efficiency of the assets of commercial banks.
This paper analyzes the structure of assets that ensure the stability of commercial banks and the factors affecting them using econometric methods. The main purpose of the study was to study such factors as the quality of banks' assets, liquidity indicators, the structure of the loan portfolio, as well as external economic factors. The results obtained using econometrics methods help commercial banks make important decisions to improve their sustainability. The practical significance of the research lies in the fact that it serves as a methodological basis for the formation of strategies aimed at the development of banking activities.
The article examines the transformation and development of the banking sector in Uzbekistan at the present stage, its specific legal aspects and features, as well as the existing problems based on practical data. Based on the conducted research, practical proposals and scientific recommendations have been developed.
The ways of the process of subsidizing universities within the framework of state finances in direction to universities and students have been studied on the basis of many studies. This article analyzes the main trends in the organization of subsidizing higher education in Uzbekistan, in recent еars in the direction to universities and students. Based on the analyses and studies, conclusions and proposals were made to change the features and aspects of the main areas of subsidization.
This article highlights the factors contributing to the emergence of non-performing loans in commercial banks and their impact on the quality of bank assets. The study systematically analyzes the micro and macro factors leading to the formation of non-performing loans. In addition, strategies aimed at the effective management of non-performing loans and the mitigation of their negative consequences are examined. The article emphasizes that the increase in non-performing loans directly undermines the financial stability and profitability of banks. Therefore, the role of specialized departments, the assessment of borrowers’ financial condition, and restructuring mechanisms are of crucial importance in managing such loans.
This study analyzes the dynamics of non-performing loans (NPLs) in state-owned and non-state-owned banks in the banking sector of Uzbekistan using annual and quarterly data for the period 2020-2025. We studied the relationship between total loans issued by commercial banks and NPLs separately, based on the banks' ownership structure. The results indicated that state-owned banks have lower risk management efficiency and are more prone to risk.
The article examined the foreign practice of financing Women's Entrepreneurship and the possibilities of its use in Uzbekistan. At the same time, the existing problems are highlighted in this process, and recommendations for their elimination are developed.
