Mazkur maqolada tijorat banklarida kredit risklarini boshqarishning nazariy va amaliy jihatlari ko‘rib chiqiladi. Kredit riski bankning moliyaviy barqarorligi va rentabelligiga bevosita ta’sir ko‘rsatadigan asosiy xavf turlaridan biri hisoblanadi. Maqolada kredit risklarini boshqarishning zamonaviy usullari, ularning samaradorligi va bank faoliyatida qo‘llanilishiga oid asosiy yo‘nalishlar tahlil qilinadi. Shuningdek, O‘zbekiston bank tizimida kredit riskini boshqarishni takomillashtirish bo‘yicha tavsiyalar ishlab chiqiladi.

Air pollution reduces breathing capacity in athletes and affects their performance. Some pollutants that cause health disorders, such as tropospheric ozone (O3), particulate matter (PMx), carbon monoxide (CO) have been separately identified. Nitrogen oxides (NOx) and sulfur oxides (SOX). These are usually concentrated in urban centers and are mainly, though not exclusively, caused by normal human activities such as transportation, heating, cooking, and agricultural and industrial activities. The aforementioned factors cause various diseases such as cancer, cardiovascular, respiratory and affect the performance of athletes. Conclusion: During training and physical activity, the amount of oxygen consumption increases and suspended particles, ozone, nitrogen oxide, sulfur oxide penetrates deep into the lungs and even blood flow, which is more common among endurance athletes than in the open air. But the health that sports brings is beyond the harm of air pollution, but still air pollution has a negative effect on the performance of athletes.

Hozirgi vaqtda banklar faoliyatiga tobora ko‘proq ahamiyat berilmoqda, chunki ular asosiy moliya institutlari bo‘lib, ularning yordamida barcha kapitalni jalb qilish va taqsimlash asosida vaqtincha bo‘sh pul mablag‘larni to‘plash va joylashtirish mavjud.

In this article, the concept of mask performance in vocal art is explained about the correct placement of the voice and information about it.

Legal psychology is a branch of psychology and law that studies the behavior and psychological states of a person in legal processes and how they affect legal relations. This discipline deals with the analysis of psychological characteristics of criminals, victims, witnesses and other participants in the legal process. Legal psychology uses methods of evaluating human behavior based on experimental methods, questionnaires, surveys and observations. In this direction, the main problems are a deep understanding of crime, a correct analysis of the psychological aspects of legal proceedings, and further improvement of the field of expertise.