Ushbu maqolada tijorat banklarida kredit portfeli risklarini boshqarishning samarali usullari tahlil qilinadi. Maqolada "Ipak Yo’li" AJ Banki (AITB) misolida kredit risklarini boshqarishning asosiy yo’nalishlari ko’rib chiqilgan. Bankning kredit portfeli risklarini samarali boshqarish uchun qo’llanilayotgan usullar, jumladan, kredit portfelini diversifikatsiya qilish, kredit risklarini baholash, geografik diversifikatsiya, axborot texnologiyalaridan foydalanish, va kredit siyosatini mustahkamlash tahlil qilinadi. Shuningdek, muammoli kreditlarni boshqarish va ularni undirishga qaratilgan strategiyalar ham ko’rib chiqiladi. Maqola O’zbekistondagi tijorat banklarining barqaror moliyaviy rivojlanishiga yordam beradigan samarali kredit risklarini boshqarishning muhim tamoyillarini o’z ichiga oladi.

Currently, the field of muscle relaxants is gaining great importance in the field of medicine and pharmacy. These drugs have muscle relaxing properties and are widely used in surgical procedures, in the treatment of neurological diseases, and in intensive care processes. If we turn to future prospects, it is expected that new generation muscle relaxants will be more effective, have a long-term effect, and have fewer side effects. In particular, research is being conducted to develop safer drugs using genetic and biotechnological approaches. Also, expanding the scope of application of muscle relaxants, determining their individual effects, and developing more rapid-acting forms are one of the current directions of the pharmaceutical industry. This will serve to increase the effectiveness of surgical and medical treatment methods in the future.

This article explores the role of riddles in shaping children’s behavior, cognitive development, and social skills. Riddles, as part of traditional and modern play, engage children in problem-solving, critical thinking, and social interaction. Through a combination of language, logic, and creativity, riddles enhance children's ability to think critically, improve their communication skills, and promote collaboration with peers. By analyzing the psychological and educational benefits of riddles, this article discusses how they contribute to behavioral development in various social contexts, both in individual and group settings.

В статье рассматривается значение и особенности любовной лирики Анны Ахматовой в контексте школьного обучения литературе в 11-м классе. Особое внимание уделяется темам любви, разлуки, страха и тоски, которые пронизывают её произведения. Ахматова выражает сложные и многогранные чувства, что помогает учащимся не только осваивать эстетическую составляющую её поэзии, но и лучше понимать психоэмоциональные процессы, происходящие в человеке в момент переживания любви. В статье анализируется, как произведения Ахматовой могут быть использованы для воспитания у школьников чувства сопереживания, развития их способности интерпретировать и анализировать литературные тексты.

Ushbu maqolada “Bino va inshoot konstruksiyalarining seysmik muhofazasi”ni o‘rganish maqsadida eksperimental ravishda o‘tkazilgan o‘tish ustunlari bo‘lgan inshootning statik tadqiqoti keltirilgan.