Ushbu maqolada tijorat banklarida lizing operatsiyalarini hisobga olish va auditini tashkil etish masalalari nazariy va amaliy jihatdan yoritilgan. Lizingning moliyaviy vosita sifatidagi iqtisodiy ahamiyati, uning turlari va me’yoriy-huquqiy asoslari tahlil qilingan. Xalqaro moliyaviy hisobot standartlari, xususan IFRS 16 talablari asosida banklarda lizing operatsiyalarini buxgalteriya hisobida aks ettirish usullari ko‘rib chiqilgan. Audit jarayonida lizing shartnomalarining to‘g‘ri e’tirof etilishi, moliyaviy natijalarga ta’siri hamda risklarni baholash mexanizmlari o‘rganilgan. Maqolada amaldagi holat tahlili asosida tijorat banklarida lizing operatsiyalari hisobini va auditini takomillashtirish bo‘yicha tavsiyalar ishlab chiqilgan.

Jamiyatimizda yangi ijtimoiy munosabatlarning shakllanishi, ta’limning dunyo ta’lim tizimiga integratsiyalashuvi, demokratiyalash va taraqqiy ettirish jarayonlarining rivojlanishi ta’lim jarayonida zamonaviy o’qitish (pedagogik) texnologiyalarga yangicha yondashuv zarurligi bayon etilgan. Ta’lim-tarbiya tizimini tubdan isloh qilish, uni zamon talablari darajasiga ko’tarish, kelajak uchun barkamol avlodni tarbiyalash ishlari davlat siyosatining ustivor yo’nalishiga aylandi.

Ушбу мақолада соғлом турмуш тарзи жамият тараққиётининг асосий омили сифатида ёшлар ўртасида соғлом турмуш тарзи маданиятини тарғиб этиш ва ривожлантириш,соғлом турмуш тарзи тушанчаси юзасидан фикрлар, соғлом турмуш тарзининг асосий йўналишлари: туғри овқатланиш,зарарли одатлар,шахсий гигиена ва ҳакозолар хусисидаги маьлумотлар ўрин олган.

This article analyzes the theoretical and practical aspects of the project-based recruitment process at the international and local levels using the example of a group of companies. As an international company, one of the leading financial institutions in Europe — OTP Group, and as a local company, its subsidiary bank in Uzbekistan — “Ipotekabank” OTP Group is selected. The study studies international experiences of project-based recruitment, assessment and selection stages, competency maps and technological solutions, and compares them with local practice. In the international OTP Group experience, recruitment strategies based on project management methodologies such as PMBOK, Agile and PRINCE2, remote candidate assessment systems, KPI-based contracting and rapid onboarding mechanisms are used. In the practice of “Ipotekabank” OTP Group, the gradual adaptation of international standards, assessment criteria adapted to the local labor market, harmonization of offline and online interviews, and adaptation to the bank's corporate culture are analyzed. According to the results of the study, practical recommendations will be developed to improve the efficiency of project-based recruitment, accelerate the selection of qualified personnel, and strengthen the competitiveness of the bank by adapting international experience to local conditions.

The integration of mobile applications into English language teaching has transformed traditional learning models by providing interactive, accessible, and personalized learning experiences. This paper examines the pedagogical advantages of using mobile applications, evaluates their impact on learner motivation and academic performance, and discusses potential challenges in their implementation. Based on recent studies and practical classroom applications, the analysis demonstrates that mobile-assisted language learning (MALL) promotes learner autonomy, supports multimodal input, and facilitates real-time feedback. However, issues such as digital distraction, unequal access to technology, and the need for teacher training remain critical considerations for maximizing their effectiveness.