Ushbu maqolada aksiyadorlik tijorat banklarida uchrashi mumkin bo‘lgan asosiy moliyaviy va nomoliyaviy risk turlari tizimli ravishda tahlil qilinadi. Jumladan, kredit riski, likvidlik riski, bozor riski, operatsion va huquqiy risklar hamda ularning bank faoliyati samaradorligiga ko‘rsatadigan salbiy ta’siri chuqur o‘rganiladi. Shu bilan birga, maqolada risklarni aniqlash, ularni to‘g‘ri baholash va samarali boshqarish mexanizmlarining nazariy asoslari hamda xalqaro tajribalari yoritib berilgan. Ayniqsa, Basel II va Basel III xalqaro me’yorlari asosida risklarni boshqarish tizimining modernizatsiya qilinishi, zamonaviy raqamli texnologiyalar yordamida risklarni monitoring qilish imkoniyatlari keng yoritilgan. Shuningdek, maqolada O‘zbekiston tijorat banklari amaliyoti asosida mavjud muammolar, ichki nazorat va audit tizimlarining samaradorlik darajasi, risk menejment siyosatining zaif jihatlari tahlil qilinib, ularni bartaraf etish bo‘yicha aniq amaliy taklif va tavsiyalar berilgan. Ushbu maqola bank sohasida faoliyat yuritayotgan mutaxassislar, ilmiy tadqiqotchilar va moliyaviy barqarorlikni oshirishga qaratilgan islohotlarga qiziquvchi tomonlar uchun foydali bo‘lishi mumkin.

Maqalada xudojnik Q.Saipov dóretiwshiligi haqqında talabalarǵa túsindiriw reńler hám simvollar tiykarında social waqyanı, ishki sezimin kórsetiw, sol menen birge súwretler, qadirli súwretlerdi túsiniwde belgili dárejede reńler ańlatuwshı mánislerine baylanıslıǵı. Qále tariyxıy bolsin yamasa uluwma psixologiyalıq, kórkem bolsın reńler hám simvollar haqqında biliw talap etiledi.Maqalada Q.Saipov dóretiwshiligin túsiniwde reńler haqqında da belgili dárejede kóz aldına keltirip biliw kerekligi haqqında pikr keltiriledi.

Статья посвящена актуальной проблеме формирования здоровьесберегающей компетентности у детей старшего дошкольного возраста. Рассматриваются новации и инновации как элементы в модернизации образовательного процесса. Подчёркивается роль педагога как исследователя и проводника нововведений в образовательной среде.

The rapid development of technology has significantly impacted education, and robotics has emerged as a key tool in preparing students for future technological challenges. This paper explores the importance of integrating modern robotics equipment into school education and outlines the benefits it offers to students. Robotics in schools not only enhances students' technical skills but also fosters creativity, problem-solving abilities, and teamwork. The paper examines various types of robotics equipment suitable for school students, including programmable robots, sensors, and microcontrollers, and discusses their role in teaching engineering and computer science concepts. Additionally, the study highlights the challenges faced by schools in implementing robotics programs, such as limited resources, insufficient teacher training, and the need for ethical considerations in the use of technology. The paper also explores the future prospects of robotics education, emphasizing the growing role of innovation and the potential for robotics to become a cornerstone of STEM education. The conclusion underscores the necessity for increased collaboration between governments, educational institutions, and private sectors to ensure that students are equipped with the skills and knowledge needed to thrive in an increasingly technological world.

Maqolada oyla tarbiyasi mazmuni, vazifalari, bo'sh vaqtning rolini oshirish oila hayotini to'g'ri ritm va rejim asosida tashkil etish, uning a'zolari orasida majburiyatlarni oqilona taqsimlash, mehnat va dam olishni rejalashtirish, shuningdek oilada tashkil etiladigan iqtisodiy tarbiya bolalarda iqtisodiy savodxonlik hamda tafakkurning shakllanishida muhim o'rin tutishi haqida sóz etiladi.