In the next five years as the education system in the country, paid particular attention to all areas. New uzbekistan-new outlook in the period of “education law”on the new accepted taxriri t’the education system is updated. Developed in the study of the process of modern education technology education in foreign countries of the country, paid particular attention to the further development of the education system.

Today, the major reform being carried out in the field of education. In non-formal education, various activities are organized for the students in their free time, students can continue their studies without interruption, and breaks during the course and in the club passes from your class. Modern reform are being implemented in the republic of uzbekistan important and continuing education to the school system. The main directions are the development of new curricula in school education, the introduction of innovative teaching approaches, and drug international assessment systems. At the same time, the quality of education is being improved by improving the skills of teachers and consistently applying modern technologies to the educational process. Within the framework of continuing education, professional skills are expanding the opportunities for acquiring retro and modern, in order to create conditions for lifelong learning for every citizen. In this process, such as when the organization with international cooperation, unesco and unicef is developing. Foreign experiences, including Finnish, German and japanese educational model, adapter are being national conditions. Undp passing the competitive human capital in the form to this server. This article provides information on how innovative the new reform have been carried out in the continuing education system.

Mazkur ilmiy maqolada O‘zbekistonda muqobil investitsiyalash amaliyotini rivojlantirish masalalari atroflicha tahlil qilinadi. An’anaviy moliyaviy manbalarga qo‘shimcha tarzda muqobil investitsiya vositalarining (venchur kapital, kraudfanding, islomiy moliya, startap fondlari va boshqalar) milliy iqtisodiyotdagi o‘rni, ahamiyati va ularni joriy etishning zaruriyati asoslab berilgan. Jahon amaliyoti misolida samarali modellar ko‘rib chiqilib, O‘zbekiston sharoitida ularni moslashtirish imkoniyatlari baholanadi. Shuningdek, muqobil investitsiyalarning huquqiy-institutsional bazasi, mavjud muammolar va rivojlanish istiqbollari yuzasidan tavsiyalar ishlab chiqiladi. Mazkur tadqiqot milliy iqtisodiyotda innovatsion va texnologik loyihalarni moliyalashtirishning yangi yo‘nalishlarini shakllantirishga xizmat qiladi.

В данной статье рассматривается современное состояние практики управления рисками в коммерческих банках Республики Узбекистан, существующие проблемы и пути их преодоления. Проведен углубленный анализ основных видов рисков, возникающих в банковской деятельности: кредитного риска, риска ликвидности, операционного риска, риска процентной ставки и риска несоблюдения требований, а также проведен сравнительный анализ с международной практикой их управления. В ходе исследования определено современное состояние систем оценки и мониторинга рисков в коммерческих банках Узбекистана и разработаны необходимые рекомендации по их совершенствованию. В частности, обоснована необходимость гармонизации политики управления рисками с автоматизированными цифровыми решениями, повышения достаточности капитала на основе требований Базеля III и укрепления корпоративного управления. Статья служит практической основой для повышения финансовой устойчивости банковской системы и укрепления кредитной надежности.

Ushbu ilmiy maqolada tijorat banklari faoliyatida komplayens (compliance) nazorat tizimini tashkil etishning nazariy va amaliy jihatlari chuqur tahlil etilgan. Xususan, “Agrobank” ATB misolida ushbu tizimni joriy etish tajribasi, asosiy yo‘nalishlari, huquqiy bazasi va institutsional mexanizmlari ko‘rib chiqilgan. Komplayens nazorati banklarda qonunchilikka rioya etilishi, ichki qoidalarga amal qilinishi, moliyaviy xavflar va firibgarliklarning oldini olish, shuningdek, xalqaro standartlarga mos faoliyat yuritishni ta'minlaydigan muhim vosita sifatida baholanadi. Tadqiqot davomida “Agrobank”da komplayens tizimi qanday tashkil etilganligi, filiallarda nazorat mexanizmlarining ishlashi, xodimlar malakasi, KYC va AML/CFT siyosatlarining joriy etilishi kabi jihatlar amaliy misollar asosida tahlil qilingan. Shuningdek, mavjud muammolar — masalan, malakali kadrlarga bo‘lgan ehtiyoj, texnologik vositalarning yetarli emasligi va filiallar kesimidagi nomutanosibliklar — aniqlanib, ularni bartaraf etish bo‘yicha ilmiy asoslangan taklif va tavsiyalar ishlab chiqilgan.