Ushbu maqolada tijorat banklarining depozit va kreditlari YIM ga nisbatan tendensiyasi va maqsadli ko‘rsatkichlar bo‘yicha amaldagi holati tahlil qilingan. Tijorat banklari balansidagi depozit va kredit ko‘rsatkichlari statistik va qiyosiy tahlil qilinib, ularning mutanosibligini ta’minlash orqali bank riskini minimallashtirish bo‘yicha ilmiy takliflar hamda amaliy tavsiyalar shakllantirilgan.

Ushbu maqolada Maykl Porterning raqobatdoshlik ustunliklari modelidan foydalangan holda O‘zbekiston Respublikasining Toshkent viloyati eksport salohiyati tahlil qilinadi. Porter yondashuvi va boshqa tahlil usullarining integratsiyasi quyidagilarga imkon berdi: eksport salohiyatining hozirgi holatini diagnostika qilish, mintaqaning raqobatbardosh ustunliklari doirasini aniqlash, strategik tashabbuslarning yo‘l xaritasini ishlab chiqish, hududning eksport siyosati samaradorligini monitoring qilish va baholash tizimini ishlab chiqish. Quyidagilarni hisobga olgan holda tavsiyalarning amaliy qo‘llanilishiga alohida e’tibor qaratildi: real biznes imkoniyatlari, institutsional muhit, global tendensiyalar (deglobalizatsiya, ESG transformatsiyasi).

This article analyzes the current state of tourism services export in the Republic of Uzbekistan using statistical methods. It examines export data from 2018 to 2024, focusing on key service types and regional trends. The results show that tourism services rank second among all service exports and are predominantly oriented toward neighboring CIS countries. The research employs SWOT, structural, comparative, and time–series analysis. Based on the findings, the paper presents recommendations to boost tourism exports by improving infrastructure, leveraging digital marketing, enhancing regional diversification, and utilizing informal institutions.

Improving the sales management system based on the analysis of marketing technologies is one of the important processes that have found its place in the modern business environment. Each company needs to develop effective strategies to successfully market its products or services. When developing such strategies, the analysis and use of marketing Technologies is important. This article provides information on the impact of marketing technologies on the sales management system, how to analyze them and how to implement their results.

This article examines the institutional relationship between corruption and the shadow economy in Uzbekistan, as well as their impact on market competition, the investment climate, the quality of public administration, and macroeconomic stability. The purpose of the study is to identify the mechanisms through which corrupt practices contribute to the expansion of the shadow economy and to develop scientifically grounded proposals for improving institutional anti-corruption policy. The study employs systemic, comparative, economic-statistical, legal-institutional analysis, and logical generalization methods. The empirical basis of the research includes international rankings for 2017–2025, statistical data on corruption-related crimes for 2023–2024, regulatory legal acts, and scholarly literature. The findings indicate that corruption is not merely a legal offence, but a systemic institutional factor affecting resource allocation, the efficiency of public expenditures, tax discipline, and the scale of the shadow economy. The article develops practical recommendations for the institutional improvement of compliance control mechanisms, digital monitoring, transparency in public procurement, asset recovery, and the preliminary assessment of corruption risks.

This article highlights modern methods of data analysis in tourism management, particularly the role of artificial intelligence and big data technologies. The study examines the possibilities of identifying tourist needs, personalizing services, and making effective management decisions through large-scale data. The importance of intelligent technologies in fostering innovative approaches, increasing competitiveness, and enhancing efficiency in the tourism sector is also demonstrated.

This article analyzes the theoretical models of digitalization in institutional development and their relevance to the financial system. Based on scholarly sources and international experience, it is demonstrated that digital technologies enhance transparency, ensure accountability, reduce transaction costs, and increase economic efficiency in the relations between the state and the private sector. The Technology Acceptance Model, the Diffusion of Innovations Theory, and Institutional Theory are examined as the main approaches to implementing digital solutions. The study also highlights national-level challenges, including insufficient digital infrastructure integration, weak incentive mechanisms for small and medium-sized enterprises, and cybersecurity risks. According to the author’s conclusions, aligning digital technologies with institutional reforms and international standards is a key factor in strengthening the stability of Uzbekistan’s financial system and building public trust.

This article is devoted to the role of management accounting in the analysis of the company's activities, it examines the analysis of management in a market economy. The purpose of the study is to substantiate the role of management analysis in the development of an enterprise, which is considered one of the modern types of economic analysis, previously considered indivisible. Also, in the discussion and results section of the article, the issues of applying the BSS methodology (Balanced Scorecard Systems), one of the methods of management analysis at domestic enterprises, studied the KPI system (Key Performance Indicator) of this technique, its advantages and disadvantages are presented. At the end of the study, author's proposals were formulated based on the results of this study.

This article analyzes the current state and current problems of innovative development of regional infrastructure in our country. The process of modernization of infrastructure and the introduction of innovative solutions plays an important role in increasing the economic stability and competitiveness of regions. Therefore, the study examines the main factors affecting the development of regional infrastructure, existing problems and ways to solve them. The analysis shows that the main obstacles to the implementation of infrastructure projects are the lack of financing, outdated technologies, institutional problems and territorial disparities. The article also analyzes advanced foreign experience and puts forward effective strategies for the formation of innovative infrastructure. The article also develops scientific and practical recommendations for the development of regional infrastructure and highlights its impact on sustainable innovative development. The results of the study can be of practical importance in the processes of regional policy formation and infrastructure planning.

This paper comprehensively examines the theoretical and practical aspects of the efficient use of investments in the development of the national economy based on an econometric approach. The study utilizes macroeconomic data for the period 2000–2024 to conduct an in-depth analysis of the impact of investment volume, employment level, and export volume on Gross Domestic Product (GDP). The methodological framework includes correlation analysis, construction of a multiple regression model, evaluation of parameter significance using t-statistics, assessment of overall model adequacy through the F-test, and testing for autocorrelation using the Durbin–Watson statistic. All econometric computations and model estimations were carried out using the modern statistical software environment R Studio. The empirical results demonstrate that investments have a strong positive and statistically significant effect on economic growth, as measured by GDP. Based on the findings, a set of practical recommendations has been developed aimed at improving the efficiency of investment utilization, optimizing their allocation across economic sectors, and enhancing investment policy.

This article presents a macro-level econometric analysis of the direct and indirect effects of the textile industry on air pollution in Uzbekistan. The analysis incorporates key variables, including electricity supply across the entire industrial sector, textile production output, and the share of the textile industry in total industrial activity. The study examines observed deviations in pollution levels and identifies underlying economic and structural factors. Based on the findings, the article provides policy-oriented recommendations and strategic measures aimed at mitigating environmental impacts and reducing air pollution in Uzbekistan.

This study analyzes how digital marketing can accelerate the development of smart tourism in Uzbekistan. Although the country has recorded fast growth in visitor flows and stronger global recognition, the move from traditional destination promotion to data-informed smart tourism governance is still incomplete. The evidence shows that Uzbekistan has a promising foundation for smart tourism: inbound tourism trips reached 7.96 million in 2024, internet penetration was 89.0% in January 2025, and active social media identities numbered 11.7 million. However, demand composition reveals an important strategic issue: 76.7% of inbound trips in 2024 were connected with visiting relatives, whereas leisure and recreation represented only 14.9%. This difference suggests that large arrival volumes have not yet been fully converted into higher-value destination-based tourism. The analysis also identifies a developing digital ecosystem that includes official portals, e-visa services, OTA cooperation, mobile cashback tools, and specialized platforms such as Eaten.uz.

In this article, the reforms carried out in the Republic of Uzbekistan on the application of Quality Management in the construction materials industry were studied in a scientific and practical way.nnotation. In this article, the reforms carried out in the Republic of Uzbekistan on the application of Quality Management in the construction materials industry were studied in a scientific and practical way. The study critically analyzed the basic concepts of the theory of Quality Management, the views of foreign and domestic scientists, and evaluated the possibilities of their application to the construction materials industry. The article analyzes the volumes of production of building materials, the proportion of enterprises that have implemented the ISO 9001 Quality Management System, the level of defective products and export indicators.he article analyzes the volumes of production of building materials, the proportion of enterprises that have implemented the ISO 9001 Quality Management System, the level of defective products and export indicators. The results of the analysis developed scientific and practical conclusions on the implementation of the quality management system to ensure the stability of product quality, reduce production costs, increase export potential and strengthen the competitiveness of enterprises.

This article analyzes the institutional aspects of corporate governance systems in mitigating corruption risks in state-owned enterprises. Based on international experience including OECD principles, ESG indicators, and best practices from developed countries the study examines the independence of supervisory boards, the effectiveness of internal and external audit mechanisms, the level of transparency, and conflict-of-interest management frameworks. Through a combination of systematic analysis, comparative methods, and empirical approaches, the research evaluates governance practices in major state-involved companies in Uzbekistan and proposes specific recommendations for their improvement.

This article analyzes scientific research conducted in the field of financial planning and highlights their theoretical and practical aspects. The role of financial planning in economic processes, its tasks at the strategic and tactical levels, and its impact on the financial stability of enterprises were analyzed on a scientific basis. Also, based on the experience of foreign countries, modern methods of financial planning, including budgeting, financial modeling, scenario analysis, and risk management, were studied. The results of the analysis show that financial planning is an important management tool that ensures economic growth and stability. Its effectiveness is directly related to the use of a correct information base, advanced accounting methods, and international standards.

Настоящая статья анализирует современные подходы к оценке различий в экономическом развитии регионов на научной основе. Во введении подчеркивается значимость региональных различий в глобальной экономике, акцентируя тенденции, такие как цифровизация, устойчивость и резилиентность. Обзор литературы, основанный на более чем 15 статьях из престижных международных журналов за последние годы, обсуждает группы, включая пространственное моделирование, цифровой анализ, резилиентность и институциональные факторы. Методология основана на дизайне смешанных методов, включающем синтез литературы и систематический анализ. Результаты анализа раскрывают динамику различий через пространственную автокорреляцию, экологическую чувствительность и институциональные индикаторы, демонстрируя процессы дивергенции в развивающихся странах. В заключении оцениваются преимущества и ограничения подходов, рекомендуется политика, основанная на месте, зеленые инвестиции и цифровая интеграция. Результаты имеют научную и практическую ценность для сокращения региональных различий.

This article explores the importance of information support in analyzing the economic potential of agricultural enterprises. The author emphasizes the role of information technologies and statistical data in economic analysis, as well as their significance in effective planning of agricultural operations. The paper analyzes methods of utilizing information resources to assess economic potential, identifies current challenges, and suggests possible solutions.

In this article, based on the dynamics of electricity production and gross domestic product in the Republic of Uzbekistan, mathematical models were constructed for the period 2010-2023 and further until 2017. Forecast indicators for the period from 2024 to 2030 were determined. An econometric analysis of the impact of electricity production on GDP for the period under study was also conducted.

This article statistically evaluates the indicators of the development of small business and private entrepreneurship in Andijan region and the factors affecting it, and the role of small business and private entrepreneurship in the development of the region is evaluated using the methods of economic and statistical analysis.

This study examines the system of social support for the population in the Republic of Uzbekistan through statistical analysis. The country’s social protection policy is aimed at improving the population’s living standards, increasing employment, and reducing poverty, where official statistical data are of critical importance in assessing its effectiveness. During the research, methods of descriptive and trend analysis were applied using open-access data provided by the Statistical Agency of the Republic of Uzbekistan, the Ministry of Finance, the United Nations (UN), and the World Bank.

Mazkur ishda zamonaviy sport tashkilotlari boshqaruv tuzilmasiga sun’iy intellekt (SI) texnologiyalarini joriy etish masalalari tadqiq etiladi. Maqolada intuitiv menejmentdan ma’lumotlarga asoslangan qaror qabul qilish tizimiga o‘tish jarayoni tahlil qilinadi. Optimallashtirishning asosiy jihatlari, ya’ni kundalik ma’muriy jarayonlarni avtomatlashtirishdan tortib, mashg‘ulot siklini strategik rejalashtirish va muxlislar bilan o‘zaro aloqalarni rivojlantirishgacha bo‘lgan yo‘nalishlar ko‘rib chiqiladi. Asosiy e’tibor tashkilot raqobatbardoshligini oshirishda inson kapitali va algoritmik hisob-kitoblar sinergiyasiga qaratilgan.

Big Data plays a crucial role in the transformation of medical management by providing new opportunities for analyzing large volumes of data, predicting diseases, and optimizing healthcare decision-making. This article examines the fundamental principles of using Big Data in medical management, the impact of analytics on decision-making, and the challenges associated with processing medical information. The study analyzes modern approaches to integrating Big Data into medical information systems and managing healthcare resources. The prospects of using artificial intelligence and machine learning in medical analytics, as well as issues related to data security and standardization, are discussed.

The article provides a comparative analysis of energy efficiency and the structure of fuel and energy resource consumption (FER) by region in the Republic of Uzbekistan. Based on statistical data for 2024, significant interregional disparities have been identified: the energy efficiency indicator varies from 1.3% in the Andijan region to 8.0% in the Tashkent region. It was found that the high level of energy efficiency in a number of regions (Karakalpakstan, Kashkadarya region) is associated with an excessive dependence on fossil fuels (more than 73%), which poses risks to environmental sustainability. Based on cluster analysis, groups of regions with similar consumption profiles were formed, for each of which differentiated policy measures were proposed. Recommendations are given on improving the efficiency of energy use, diversifying the energy balance and integrating digital solutions in the context of the transition to a “green economy”.

This study used econometric panel models to examine the influence of water shortage on economic growth in Central Asian countries. To evaluate long-term panel data, we used a pooled regression model, a fixed effect model, and a random effect model on annual data from 1990 to 2023 across five nations. After creating the models, we ran diagnostic tests using several statistical techniques. After analyzing the models listed above, we determined that the Pooled regression model is best suited to our panel data. Based on the indicators of this model, it was discovered that increased water shortage in Central Asian countries had a negative impact on economic growth. Each unit increase in water scarcity causes a 0.0166 unit loss in GDP. The findings suggest that countries experiencing severe water scarcity should prioritize water resource management and establish a water conservation program that includes the construction of infrastructure to alleviate the shortage.