Moliya bozori zamonaviy iqtisodiy tizimlarda investitsiya faoliyati, risklarni boshqarish va kapital resurslarini optimal taqsimlashda muhim rol o‘ynaydi. Ushbu maqolada moliya bozori tahlili asosida samarali moliyaviy qarorlar qabul qilishning nazariy va amaliy jihatlari chuqur o‘rganilgan. Tadqiqotning asosiy maqsadi — investorlar, kompaniyalar va moliyaviy institutlar uchun moliyaviy qaror qabul qilishda moliya bozorining turli segmentlari (fond bozori, obligatsiyalar bozori, valyuta bozori, derivativlar bozori) tahlilining samaradorligini aniqlashdir. Maqolada fundamental tahlil, texnik tahlil va kvantitativ modellashtirish usullarining afzalliklari, ularning qarorlar sifatiga ta’siri tahlil qilingan. Shuningdek, so’ngi yillar oralig‘ida O‘zbekiston moliya bozorining asosiy statistik ko‘rsatkichlari tahlil etilib, fond bozorida IPOlar sonining ortishi, valyuta kursining barqarorligi va moliyaviy xizmatlar sifati bo‘yicha o‘sishlar qayd etilgan. Ushbu tahlillar asosida investorlar va boshqaruv subyektlari uchun strategik qarorlar qanday shakllanishi mumkinligi ko‘rsatib berilgan. Maqola yakunida esa raqamli texnologiyalarning (AI, Big Data, Fintech) moliyaviy tahlil vositalariga ta’siri va ularning qaror qabul qilishda kelajakdagi roli yoritilgan.

Ushbu maqolada bioparchalanuvchi polimerlarga qo‘yiladigan xalqaro standartlar, ularning asosiy tamoyillari va ekologik baholash mezonlari tahlil qilinadi. Polimer materiallarning biologik parchalanish qobiliyatini baholashda qo‘llaniladigan eng muhim standartlar – ASTM D6400, EN 13432, ISO 17088 va boshqalar yoritiladi. Maqolada, shuningdek, ushbu standartlarning global amaliyotdagi o‘rni va ularni joriy etishdagi muammolar ko‘rib chiqilgan.

This scientific article is devoted to the analysis of the impact of financial technologies (fintech) on banking activities using the example of one of the leading commercial banks of Uzbekistan - JSCB "Uzsanoatqurilishbank". Fintech technologies, which have been developing rapidly in recent years, are creating broad opportunities for banks to automate traditional operations, improve the quality of customer service, reduce costs, and diversify financial products. This article provides a detailed analysis of the implementation of such innovative technologies in JSCB "Uzsanoatqurilishbank" and their effectiveness. The study covers the changes in fintech projects implemented by the bank in 2018–2024, in particular - mobile banking applications, online lending systems, artificial intelligence-based recommendation modules, blockchain technologies, real-time currency conversion, and biometric authentication systems, based on statistical data. The article shows the real impact of digital transformation based on indicators such as the share of digital transactions, the growth of the number of customers, the speed and convenience of services. It also analyzes the problems encountered in the process of fintech implementation, including cybersecurity threats, technical failures, information privacy issues, and solutions developed by the bank to reduce them. Through this example, the author scientifically substantiates the profound impact of fintech technologies on banking activities not only technically, but also economically and socially. This article is of practical and theoretical importance for bank managers, financial specialists, information technology specialists and scientific researchers, and indicates the main directions of the digital transformation process of the banking system of Uzbekistan.

Small biopsies are of great importance in pathological diagnostics, as they allow for the early detection of many diseases and the determination of treatment strategies. However, morphological errors that occur during the evaluation of these samples can lead to incorrect diagnosis and a negative impact on the patient's health. The article analyzes the main morphological errors that occur during the study of small biopsies, their causes and clinical consequences. It also highlights the importance of improving the biopsy technique, proper sample preparation, and the use of modern diagnostic methods (immunohistochemistry, molecular diagnostics) to prevent errors. The study also shows the possibilities of reducing diagnostic errors by improving the professional skills of pathologists and strengthening quality control.

Ushbu maqolada ta‘lim muassasalarida o‘qitish metodikasining dolzarb muammolari tahlil qilinadi. Maqolada zamonaviy pedagogik yondashuvlar, interaktiv ta‘lim metodlarining ahamiyati, ta‘lim va tarbiyaning integratsiyasi, o‘qituvchilar va o‘quvchilar o‘rtasidagi aloqalarning zaifligi kabi masalalar ko‘rib chiqiladi.