Ushbu maqolada tijorat banklarining depozit operatsiyalari hisobini takomillashtirishning nazariy va amaliy jihatlari batafsil ko‘rib chiqilgan. Depozitlar banklar uchun muhim moliyaviy resurs bo‘lib, ular orqali banklar o‘z likvidligini ta’minlab, iqtisodiyotni rivojlantirishda faol ishtirok etadi. Maqola bank depozit operatsiyalarining bank faoliyatidagi o‘rni va ahamiyatini yoritadi, ularning turlari va jarayonlarini chuqur tahlil qiladi. Shu bilan birga, depozitlar hisobi bilan bog‘liq muhim muammolar, jumladan, depozitlarning diversifikatsiya darajasi pastligi, texnologik jarayonlar samaradorligining yetishmasligi va risklarni boshqarish tizimlarining takomillashtirilishi lozimligi kabi masalalar keltiriladi. Maqolada tijorat banklarining depozit operatsiyalari hisobini takomillashtirish istiqbollari ham ko‘rib chiqilgan bo‘lib, texnologik yangiliklar, mahsulotlar diversifikatsiyasi va xavfsizlik choralari depozit operatsiyalarining barqarorligini ta'minlashda muhim rol o‘ynashi ta’kidlanadi. Maqolaning yakuniy qismida depozit operatsiyalarini takomillashtirishning amaliy tavsiyalari berilgan bo‘lib, ular banklarning moliyaviy barqarorligini mustahkamlashga qaratilgan.

This article provides a thorough theoretical and practical analysis of the role of self-governing bodies—particularly mahallas, citizens' assemblies, and public organizations—in the formation and development of civil society. Within the context of ongoing democratic reforms in Uzbekistan, increasing civic engagement, enhancing the significance of the mahalla institution, and establishing an effective mechanism of mediation between the state and society are considered among the key objectives. The article examines the functions of self-governing bodies, their legal foundations, and their interactions with civil society institutions. It also analyzes their contributions to enhancing the social, economic, and cultural activity of the population. Furthermore, based on comparative analysis with advanced international practices, the article identifies both the strengths and weaknesses of the current system in Uzbekistan. In conclusion, the article presents concrete recommendations and proposals aimed at unlocking the full potential of self-governing bodies in strengthening civil society. This scientific work may serve as a valuable resource for researchers in the field of social sciences, professionals in public administration, and the broader audience interested in the development of civil society.

This article provides an in-depth examination of management practices in public and private higher education institutions (HEIs) in Uzbekistan. It spans governance, financial management, faculty recruitment, curriculum innovation, and accountability. The analysis integrates empirical data, case examples—such as TEAM University and New Uzbekistan University—and insights from scholarly and policy literature. It highlights how ongoing reforms reshape institutional autonomy, quality assurance, and internationalization, offering implications for higher education policy and institutional strategy.

Mazkur maqolada XIX asr oxiri – XX asr boshlarida Rossiya imperiyasi tomonidan Turkiston o‘lkasida amalga oshirilgan iqtisodiy siyosat tahlil qilingan. Mustamlaka manfaatlariga mos ravishda o‘lkada kapitalistik ishlab chiqarishning rivojlanishi, rus sanoat kapitalining kirib kelishi va sanoat korxonalarining tashkil topishi jarayonlari yoritilgan. Xususan, dastlabki paxta tozalash, ko‘nchilik, vino va aroq, tegirmon, yog‘ zavodlari faoliyati, ularning o‘lkadagi iqtisodiy hayotga ta’siri haqida ma’lumotlar berilgan. Maqolada chor hukumati tomonidan Turkistonni xomashyo bazasiga aylantirish siyosati, mahalliy aholining iqtisodiy manfaatlarining cheklanishi hamda rus monopolistlarining paxta savdosida tutgan o‘rni ilmiy manbalar asosida tahlil etilgan.

Mazkur maqolada tijorat banklarining kredit siyosatini takomillashtirish masalalari "Davrbank" XATB misolida o‘rganilgan. Kredit siyosati bankning asosiy moliyaviy vositalaridan biri bo‘lib, uning samarali yuritilishi kredit portfeli sifatini oshirish, muammoli kreditlar ulushini kamaytirish va bankning moliyaviy barqarorligini ta’minlashda muhim omil hisoblanadi. Maqolada so‘ngi yillarda “Davrbank” tomonidan amalga oshirilgan kreditlash faoliyati statistik tahlil qilinib, mavjud muammolar va risk omillari aniqlangan. Tahlillar asosida kredit siyosatini raqamlashtirish, skoring tizimlarini joriy etish va mijozlarga yo‘naltirilgan yondashuvlarni kuchaytirish bo‘yicha takliflar ishlab chiqilgan. Tadqiqot natijalari, xususan, O‘zbekiston bank sektorida kredit siyosatining zamonaviy yondashuvlar orqali takomillashtirilishiga amaliy asos bo‘lib xizmat qiladi.