Ushbu maqolada zamonaviy bank tizimining ajralmas tarkibiy qismi bo‘lgan marketing faoliyatining mohiyati, ahamiyati va rivojlanish yo‘nalishlari keng qamrovda o‘rganilgan. Bank sektorida yuzaga kelayotgan keskin raqobat sharoitida tijorat banklarining barqaror faoliyat yuritishi, mijozlar sonini ko‘paytirish, ularning sodiqligini ta’minlash va moliyaviy xizmatlar sifatini oshirishda marketingning tutgan o‘rni beqiyosdir. Ayniqsa, raqamli texnologiyalar jadal rivojlanayotgan bugungi davrda an’anaviy marketing yondashuvlari bilan bir qatorda innovatsion va raqamli marketing vositalarining joriy etilishi tijorat banklari uchun strategik zaruratga aylanmoqda. Maqolada bank marketingining asosiy yo‘nalishlari – bozorni segmentatsiyalash, mijozlar bilan aloqalarni boshqarish, reklama va PR faoliyatini tashkil qilish, narx va xizmat siyosatini shakllantirish hamda raqamli platformalarda xizmat ko‘rsatish tizimlari tahlil qilingan. Shuningdek, bank marketingida uchrayotgan dolzarb muammolar, jumladan, marketing strategiyalarining yetarlicha ishlab chiqilmagani, mijozlar ehtiyojlarini chuqur o‘rganish tizimining sustligi, raqamli marketing vositalarining cheklangan qo‘llanilishi singari holatlar batafsil ko‘rib chiqilgan. Xorijiy davlatlar tajribasi asosida ilgari surilgan taklif va tavsiyalar esa O‘zbekiston tijorat banklari marketing siyosatini takomillashtirishda muhim amaliy asos bo‘lib xizmat qiladi.

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.

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.

В данной статье рассматриваются теоретические и практические основы обучения учащихся начальной школы на основе информационно-педагогических технологий, концепция и виды педагогической технологии внедрения иннтивных технологий.