THE ROLE OF DIGITAL CURRENCY IN ATTRACTING INVESTMENT

https://yashil-iqtisodiyot-taraqqiyot.uz 1 2025 №5 2025 №6№11№12 https://yashil-iqtisodiyot-taraqqiyot.uz 2 Bosh muharrir: Sharipov Kongiratbay Avezimbetovich Bosh muharrir oʻrinbosari: Karimov Norboy G‘aniyevich Muharrir: Qurbonov Sherzod Ismatillayevich Elektron nashr. 2025-yil, dekabr. Tahrir hay’ati: Salimov Oqil Umrzoqovich, O‘zbekiston Fanlar akademiyasi akademigi Abduraxmanov Kalandar Xodjayevich, O‘zbekiston Fanlar akademiyasi akademigi Sharipov Kongiratbay Avezimbetovich, texnika fanlari doktori (DSc), professor Rae Kvon Chung, Janubiy Koreya, TDIU faxriy professori, “Nobel” mukofoti laureati Osman Mesten, Turkiya parlamenti a’zosi, Turkiya – O‘zbekiston do‘stlik jamiyati rahbari Axmedov Durbek Kudratillayevich, iqtisodiyot fanlari doktori (DSc), professor Axmedov Sayfullo Normatovich, iqtisodiyot fanlari doktori (DSc), professor Abduraxmanova Gulnora Kalandarovna, iqtisodiyot fanlari doktori (DSc), professor Kalonov Muxiddin Baxritdinovich, iqtisodiyot fanlari doktori (DSc), professor Siddiqova Sadoqat G‘afforovna, pedagogika fanlari bo‘yicha falsafa doktori (PhD) Xudoyqulov Sadirdin Karimovich, iqtisodiyot fanlari doktori (DSc), professor Maxmudov Nosir, iqtisodiyot fanlari doktori (DSc), professor Yuldashev Mutallib Ibragimovich, iqtisodiyot fanlari doktori (DSc), professor Samadov Asqarjon Nishonovich, iqtisodiyot fanlari nomzodi, professor Slizovskiy Dimitriy Yegorovich, texnika fanlari doktori (DSc), professor Mustafakulov Sherzod Igamberdiyevich, iqtisodiyot fanlari doktori (DSc), professor Axmedov Ikrom Akramovich, iqtisodiyot fanlari doktori (DSc), professor Eshtayev Alisher Abdug‘aniyevich, iqtisodiyot fanlari doktori (DSc), professor Xajiyev Baxtiyor Dushaboyevich, iqtisodiyot fanlari doktori (DSc), professor Hakimov Nazar Hakimovich, falsafa fanlari doktori (DSc), professor Musayeva Shoira Azimovna, iqtisodiyot fanlari bo‘yicha falsafa doktori (PhD), professor Ali Konak (Ali Ko‘nak), iqtisodiyot fanlari doktori (DSc), professor (Turkiya) Cham Tat Huei, falsafa fanlari doktori (PhD), professor (Malayziya) Foziljonov Ibrohimjon Sotvoldixo‘ja o‘g‘li, iqtisodiyot fanlari bo‘yicha falsafa doktori (PhD), dots. Utayev Uktam Choriyevich, O‘z.Respub. Bosh prokuraturasi boshqarma boshlig‘i o‘rinbosari Ochilov Farkhod, O‘zbekiston Respublikasi Bosh prokuraturasi IJQKD boshlig‘i Buzrukxonov Sarvarxon Munavvarxonovich, iqtisodiyot fanlari nomzodi, dotsent Axmedov Javohir Jamolovich, iqtisodiyot fanlari bo‘yicha falsafa doktori (PhD) Toxirov Jaloliddin Ochil o‘g‘li, texnika fanlari bo‘yicha falsafa doktori (PhD), katta o‘qituvchi Bobobekov Ergash Abdumalikovich, iqtisodiyot fanlari bo‘yicha falsafa doktori (PhD), v.b. dots. Djudi Smetana, pedagogika fanlari nomzodi, dotsent (AQSH) Krissi Lyuis, pedagogika fanlari nomzodi, dotsent (AQSH) Glazova Marina Viktorovna, Iqtisodiyot fanlari doktori (Moskva) Nosirova Nargiza Jamoliddin qizi, iqtisodiyot fanlari bo‘yicha falsafa doktori (PhD), dotsent Sevil Piriyeva Karaman, falsafa fanlari doktori (PhD) (Turkiya) Mirzaliyev Sanjar Makhamatjon o‘g‘li, TDIU ITI departamenti rahbari Ochilov Bobur Baxtiyor o‘g‘li, TDIU katta o‘qituvchisi Golisheva Yelena Vyacheslavovna, Iqtisodiyot fanlari nomzodi, dotsent. Abdukarimova Dinara Rustamxanovna, bank-moliya akademiyasi professori, DSc., professor. Ikramov Murod Akramovich, iqtisodiyot fanlari doktori (DSc), professor https://yashil-iqtisodiyot-taraqqiyot.uz 3 Editorial board: Editorial board: Salimov Okil Umrzokovich, Salimov Okil Umrzokovich, Academician of the Academy of Sciences of Uzbekistan Academician of the Academy of Sciences of Uzbekistan Abdurakhmanov Kalandar Khodjayevich, Abdurakhmanov Kalandar Khodjayevich, Academician of the Academy of Sciences of Uzbekistan Academician of the Academy of Sciences of Uzbekistan Sharipov Kongiratbay Avezimbetovich, Sharipov Kongiratbay Avezimbetovich, Doctor of Technical Sciences (DSc), Professor Doctor of Technical Sciences (DSc), Professor Rae Kwon Chung, South Korea, Rae Kwon Chung, South Korea, Honorary Professor at TSUE, Nobel Prize Laureate Honorary Professor at TSUE, Nobel Prize Laureate Osman Mesten, Osman Mesten, Member of the Turkish Parliament, Head of the Turkey–Uzbekistan Friendship Society Member of the Turkish Parliament, Head of the Turkey–Uzbekistan Friendship Society Akhmedov Durbek Kudratillayevich, Akhmedov Durbek Kudratillayevich, Doctor of Economic Sciences (DSc), Professor Doctor of Economic Sciences (DSc), Professor Akhmedov Sayfullo Normatovich, Akhmedov Sayfullo Normatovich, Doctor of Economic Sciences (DSc), Professor Doctor of Economic Sciences (DSc), Professor Abdurakhmanova Gulnora Kalandarovna, Abdurakhmanova Gulnora Kalandarovna, Doctor of Economic Sciences (DSc), Professor Doctor of Economic Sciences (DSc), Professor Kalonov Mukhiddin Bakhriddinovich, Kalonov Mukhiddin Bakhriddinovich, Doctor of Economic Sciences (DSc), Professor Doctor of Economic Sciences (DSc), Professor Siddikova Sadokat Gafforovna, Siddikova Sadokat Gafforovna, Doctor of Philosophy (PhD) in Pedagogical Sciences Doctor of Philosophy (PhD) in Pedagogical Sciences Khudoykulov Sadirdin Karimovich, Khudoykulov Sadirdin Karimovich, Doctor of Economic Sciences (DSc), Professor Doctor of Economic Sciences (DSc), Professor Makhmudov Nosir, Makhmudov Nosir, Doctor of Economic Sciences (DSc), Professor Doctor of Economic Sciences (DSc), Professor Yuldashev Mutallib Ibragimovich, Yuldashev Mutallib Ibragimovich, Doctor of Economic Sciences (DSc), Professor Doctor of Economic Sciences (DSc), Professor Samadov Askarjon Nishonovich, Samadov Askarjon Nishonovich, Candidate of Economic Sciences, Professor Candidate of Economic Sciences, Professor Slizovskiy Dmitriy Yegorovich, Slizovskiy Dmitriy Yegorovich, Doctor of Technical Sciences (DSc), Professor Doctor of Technical Sciences (DSc), Professor Mustafakulov Sherzod Igamberdiyevich, Mustafakulov Sherzod Igamberdiyevich, Doctor of Economic Sciences (DSc), Professor Doctor of Economic Sciences (DSc), Professor Akhmedov Ikrom Akramovich, Akhmedov Ikrom Akramovich, Doctor of Economic Sciences (DSc), Professor Doctor of Economic Sciences (DSc), Professor Eshtayev Alisher Abduganiyevich, Eshtayev Alisher Abduganiyevich, Doctor of Economic Sciences (DSc), Professor Doctor of Economic Sciences (DSc), Professor Khajiyev Bakhtiyor Dushaboyevich, Khajiyev Bakhtiyor Dushaboyevich, Doctor of Economic Sciences (DSc), Professor Doctor of Economic Sciences (DSc), Professor Khakimov Nazar Khakimovich, Khakimov Nazar Khakimovich, Doctor of Philosophy (DSc), Professor Doctor of Philosophy (DSc), Professor Musayeva Shoira Azimovna, Musayeva Shoira Azimovna, Doctor of Philosophy (PhD) in Economic Sciences, Professor Doctor of Philosophy (PhD) in Economic Sciences, Professor Ali Konak, Ali Konak, Doctor of Economic Sciences (DSc), Professor (Turkey) Doctor of Economic Sciences (DSc), Professor (Turkey) Cham Tat Huei, Cham Tat Huei, Doctor of Philosophy (PhD), Professor (Malaysia) Doctor of Philosophy (PhD), Professor (Malaysia) Foziljonov Ibrokhimjon Sotvoldikhoja ugli, Foziljonov Ibrokhimjon Sotvoldikhoja ugli, Doctor of Philosophy (PhD) in Economic Sciences, Associate Professor Doctor of Philosophy (PhD) in Economic Sciences, Associate Professor Utayev Uktam Choriyevich, Utayev Uktam Choriyevich, Deputy Head of Department, Prosecutor General’s Office of Uzbekistan Deputy Head of Department, Prosecutor General’s Office of Uzbekistan Ochilov Farkhod, Ochilov Farkhod, Head of DCEC, Prosecutor General’s Office of Uzbekistan Head of DCEC, Prosecutor General’s Office of Uzbekistan Buzrukkhonov Sarvarkhon Munavvarkhonovich, Buzrukkhonov Sarvarkhon Munavvarkhonovich, Candidate of Economic Sciences, Associate Professor Candidate of Economic Sciences, Associate Professor Akhmedov Javokhir Jamolovich, Akhmedov Javokhir Jamolovich, Doctor of Philosophy (PhD) in Economic Sciences Doctor of Philosophy (PhD) in Economic Sciences Tokhirov Jaloliddin Ochil ugli, Tokhirov Jaloliddin Ochil ugli, Doctor of Philosophy (PhD) in Technical Sciences, Senior Lecturer Doctor of Philosophy (PhD) in Technical Sciences, Senior Lecturer Bobobekov Ergash Abdumalikovich, Bobobekov Ergash Abdumalikovich, Doctor of Philosophy (PhD) in Economic Sciences, Acting Associate Professor Doctor of Philosophy (PhD) in Economic Sciences, Acting Associate Professor Judi Smetana, Judi Smetana, Candidate of Pedagogical Sciences, Associate Professor (USA) Candidate of Pedagogical Sciences, Associate Professor (USA) Chrissy Lewis, Chrissy Lewis, Candidate of Pedagogical Sciences, Associate Professor (USA) Candidate of Pedagogical Sciences, Associate Professor (USA) Glazova Marina Viсtorovna, Glazova Marina Viсtorovna, Doctor of Sciences in Economics (Moscow)) Doctor of Sciences in Economics (Moscow)) Nosirova Nargiza Jamoliddin kizi, Nosirova Nargiza Jamoliddin kizi, Doctor of Philosophy (PhD) in Economic Sciences, Associate Professor Doctor of Philosophy (PhD) in Economic Sciences, Associate Professor Sevil Piriyeva Karaman, Sevil Piriyeva Karaman, Doctor of Philosophy (PhD) (Turkey) Doctor of Philosophy (PhD) (Turkey) Mirzaliyev Sanjar Makhamatjon ugli, Mirzaliyev Sanjar Makhamatjon ugli, Head of the Department of Scientific Research and Innovations, TSUE Head of the Department of Scientific Research and Innovations, TSUE Ochilov Bobur Bakhtiyor ugli, Ochilov Bobur Bakhtiyor ugli, Senior lecturer at TSUI Senior lecturer at TSUI Golisheva Yelena Vyacheslavovna, Golisheva Yelena Vyacheslavovna, Candidate of Economic Sciences, Associate Professor. Candidate of Economic Sciences, Associate Professor. Abdukarimova Dinara Rustamkhanovna, Doctor of Economic Sciences (DSc), Professor Ikramov Murod Akramovich, Doctor of Economic Sciences (DSc), Professor https://yashil-iqtisodiyot-taraqqiyot.uz 4 Muassis: “Ma’rifat-print-media” MChJ Hamkorlarimiz: Toshkent davlat iqtisodiyot universiteti, OʻzR Tabiat resurslari vazirligi, OʻzR Bosh prokuraturasi huzuridagi IJQK departamenti. Jurnalning ilmiyligi: ““Yashil” iqtisodiyot va taraqqiyot” jurnali Oʻzbekiston Respublikasi Oliy ta’lim, fan va innovatsiyalar vazirligi huzuridagi Oliy attestatsiya komissiyasi rayosatining 2023-yil 1-apreldagi 336/3-sonli qarori bilan roʻyxatdan oʻtkazilgan. Ekspertlar kengashi: Berkinov Bazarbay, iqtisodiyot fanlari doktori (DSc), professor Po‘latov Baxtiyor Alimovich, texnika fanlari doktori (DSc), professor Aliyev Bekdavlat Aliyevich, falsafa fanlari doktori (DSc), professor Isakov Janabay Yakubbayevich, iqtisodiyot fanlari doktori (DSc), professor Xalikov Suyun Ravshanovich, iqtisodiyot fanlari nomzodi, dotsent Rustamov Ilhomiddin, iqtisodiyot fanlari nomzodi, dotsent Hakimov Ziyodulla Ahmadovich, iqtisodiyot fanlari doktori, dotsent Kamilova Iroda Xusniddinovna, iqtisodiyot fanlari bo‘yicha falsafa doktori (PhD) G‘afurov Doniyor Orifovich, pedagogika fanlari bo‘yicha falsafa doktori (PhD) Fayziyev Oybek Raximovich, iqtisodiyot fanlari bo‘yicha falsafa doktori (PhD), dotsent Tuxtabayev Jamshid Sharafetdinovich, iqtisodiyot fanlari bo‘yicha falsafa doktori (PhD), dotsent Xamidova Faridaxon Abdulkarim qizi, iqtisodiyot fanlari doktori, dotsent Yaxshiboyeva Laylo Abdisattorovna, katta o‘qituvchi Babayeva Zuhra Yuldashevna, mustaqil tadqiqotchi Komilova Nilufar Karshiboyevna, geografiya fanlari doktori, professori Umirzoqov Ja’sur Artiqboy o‘g‘li, iqtisodiyot fanlari doktori (DSc), dotsent Zebo Kuldasheva, iqtisodiyot fanlari doktori (DSc ), dotsent Board of Experts: Berkinov Bazarbay, Doctor of Economic Sciences (DSc), Professor Pulatov Bakhtiyor Alimovich, Doctor of Technical Sciences (DSc), Professor Aliyev Bekdavlat Aliyevich, Doctor of Philosophy (DSc), Professor Isakov Janabay Yakubbayevich, Doctor of Economic Sciences (DSc), Professor Khalikov Suyun Ravshanovich, Candidate of Economic Sciences, Associate Professor Rustamov Ilkhomiddin, Candidate of Economic Sciences, Associate Professor Khakimov Ziyodulla Akhmadovich, Doctor of Economic Sciences, Associate Professor Kamilova Iroda Khusniddinovna, Doctor of Philosophy (PhD) in Economics Gafurov Doniyor Orifovich, Doctor of Philosophy (PhD) in Pedagogy Fayziyev Oybek Rakhimovich, Doctor of Philosophy (PhD) in Economics, Associate Professor Tukhtabayev Jamshid Sharafetdinovich, Doctor of Philosophy (PhD) in Economics, Associate Professor Khamidova Faridakhon Abdulkarimovna, Doctor of Economic Sciences, Associate Professor Yakhshiboyeva Laylo Abdisattorovna, Senior Lecturer Babayeva Zuhra Yuldashevna, Independent Researcher Komilova Nilufar Karshiboyevna, Doctor of Geographical Sciences, Professor Umirzokov Jasur Artiqboy ugli, Doctor of Economic Sciences (DSc), Associate Professor Zebo Kuldasheva, Doctor of Economic Sciences (DSc), Associate Professor 08.00.01 Iqtisodiyot nazariyasi 08.00.02 Makroiqtisodiyot 08.00.03 Sanoat iqtisodiyoti 08.00.04 Qishloq xo‘jaligi iqtisodiyoti 08.00.05 Xizmat ko‘rsatish tarmoqlari iqtisodiyoti 08.00.06 Ekonometrika va statistika 08.00.07 Moliya, pul muomalasi va kredit 08.00.08 Buxgalteriya hisobi, iqtisodiy tahlil va audit 08.00.09 Jahon iqtisodiyoti 08.00.10 Demografiya. Mehnat iqtisodiyoti 08.00.11 Marketing 08.00.12 Mintaqaviy iqtisodiyot 08.00.13 Menejment 08.00.14 Iqtisodiyotda axborot tizimlari va texnologiyalari 08.00.15 Tadbirkorlik va kichik biznes iqtisodiyoti 08.00.16 Raqamli iqtisodiyot va xalqaro raqamli integratsiya 08.00.17 Turizm va mehmonxona faoliyati https://yashil-iqtisodiyot-taraqqiyot.uz MUNDARIJA СОДЕРЖАНИЕ CONTENTS 5 YASHIL IQTISODIYOT VA TARAQQIYOT 2025-yil, dekabr. № 12-son. RAQAMLI TRANSFORMATSIYA DAVRIDA TIJORAT BANKLARI LIKVIDLILIK XAVFINI BOSHQARISHI ..................................................................................................................................................................................44 Baxromov Nodirjon Muxammadamin o‘g‘li TURIZM XIZMATLAR BOZORI ISTE’MOLCHILARINI SEGMENTLASH USULI ASOSIDA DIVERSIFIKATSIYA KONSEPSIYASINI ISHLAB CHIQISH ...............................................................................................48 Maxmudova Aziza Pirmamatovna “INNOVATSION AGROTEXNOLOGIYALAR VA “YASHIL IQTISODIYOT” TAMOYILLARI ASOSIDA G‘ALLA YETISHTIRISH BARQARORLIGINI BAHOLASH .................................................................................................53 Turayeva Gulizahro АНАЛИЗ ЦЕНОБРАЗОВАНИЯ НА ЗЕРНОВЫЕ ПРОДУКТЫ ПО ДАННЫМ МАРКЕТИНГОВЫМ ИСЛЕДОВАНИЯМ (НА ПРИМЕРЕ НАМАНГАНСКОЙ ОБЛАСТИ) ..........................................................................57 Баҳриддинов Жаҳонгирбек Равшанжон ўғли KICHIK BIZNES RIVOJINI TA’MINLASHDA BOZOR INFRATUZILMALARINING AHAMIYATI .........................62 Gʻaniyev Botir Baxtiyorovich, Zakirova Gulnora Mirzaliyevna KICHIK SANOAT ZONALARI FAOLIYATINI SAMARALI BOSHQARISH METODOLOGIYASI VA YO‘LLARI .....................................................................................................................................................................................67 Shodmonqulov Kamoliddin Murodillaevich INNOVASION FAOLIYAT XARAJATLARINING BUXGALTERIYA HISOBI VA AUDITINI TAKOMILLASHTIRISH ..................................................................................................................................................................73 Mustafoyev Akbar Mustafo o‘g‘li MAHSULOT DIVERSIFIKATSIYASI VA LOGISTIKA XIZMATLARINI RIVOJLANTIRISH ASOSIDA EKSPORT POTENSIALINI OSHIRISH YO‘LLARI .................................................................................................................78 Maxkamov Ibrayim, Jo‘raboyeva Shohida Kamoliddin qizi REKLAMA SAMARADORLIGINI OSHIRISHDA RAQAMLI MARKETING STRATEGIYALARI ROLI .................83 Abduxalilova Laylo Toʻxtasinovna, Raxmonqulova Shahrizoda SIRKULYAR IQTISODIYOTDA YOPIQ SIKL NAZARIYASINING ROLI ..........................................................................87 Sodikov Zokir Rustamovich YASHIL TEXNOLOGIYALARNI JORIY ETISHDA MOLIYAVIY RAG‘BATLAR VA ULARNING NATIJALARI ......................................................................................................................................................................................92 Axmadjonova Gulmira Xabibulla qizi MAMLAKAT IQTISODIYOTI RIVOJLANISHIDA KICHIK BIZNES VA XUSUSIY TADBIRKORLIKNING ROLI ........................................................................................................................................................97 G‘aniyev Baydulla Toshmurodovich АНАЛИЗ ПОДХОДОВ ЦЕНТРАЛЬНЫХ БАНКОВ К РЕГУЛИРОВАНИЮ ИННОВАЦИОННЫХ БАНКОВСКИХ ПРОДУКТОВ: СРАВНЕНИЕ УЗБЕКИСТАНА И МЕЖДУНАРОДНОЙ ПРАКТИКИ .........101 Даулетиярова Шахло СОВРЕМЕННОЕ СОСТОЯНИЕ И ПЕРСПЕКТИВЫ РАЗВИТИЯ РЫНКА ЦЕННЫХ БУМАГ УЗБЕКИСТАНА ............................................................................................................................................................................ 109 Кадирова Хадича Тураевна XORIJ MAMLAKATLARINING IQTISODIYOTNI UGLERODSIZLASHTIRISH STRATEGIYALARI: O‘ZBEKISTON UCHUN TAKLIFLAR ......................................................................................................................................115 D.X. Pulatov, F.E.Shamsiyev O‘ZBEKISTONDA ISLOM MOLIYASI: MUAMMOLAR VA RIVOJLANISH ISTIQBOLLARI .................................125 Sattorov Ixtiyor Ochilovich, Karimov Shohruh Yo‘ldoshali o‘g‘li HISOB SIYOSATI TARKIBIY TUZILISHI MASALALARI ................................................................................................. 133 Botirova Raximaxon Abdujabbarovna QURILISHDA KICHIK BIZNES VA XUSUSIY TADBIRKORLIKNING MOLIYAVIY TAHLILI ..............................136 Musayeva Shoira Azimovna MUNDARIJA https://yashil-iqtisodiyot-taraqqiyot.uz MUNDARIJA СОДЕРЖАНИЕ CONTENTS 6 YASHIL IQTISODIYOT VA TARAQQIYOT 2025-yil, dekabr. № 12-son. KICHIK SANOAT ZONALARINI RIVOJLANTIRISH ORQALI AHOLI TURMUSH FAROVONLIGINI OSHIRISH ........................................................................................................................................................................................144 Axmedov Oybek Turgunpulatovich O‘ZBEKISTON SUG‘URTA BOZORI PORTFELI TAHLILI ...............................................................................................149 Madraximov Ilxom Kamilovich FOYDA SOLIG‘INING O‘ZIGA XOS MUAMMOLI JIHATLARI ........................................................................................154 Zaripov Xusan Baxodirovich AGRAR SEKTORNI INNOVATSION MODERNIZATSIYA QILISHDA INVESTITSIYA OQIMLARINI BOSHQARISH MODELLARINI TAKOMILLASHTIRISH .................................................................................................159 Xamrayev Quvvat Iskandarovich OLIY TA’LIM XIZMATLARI BOZORIDA MARKETING TADQIQODLARINI TAKOMILLASHTIRISH .............163 Jalilov Jamshid G‘anijonovich, Safarov Zavqiddin Zokir o‘g‘li MINTAQA SANOAT TARMOG‘I RIVOJLANISHINING IQTISODIY-STATISTIK TAHLILI ....................................168 Xayitboev Abror Quvondiqovich РОЛЬ СМЕШАННОГО ФИНАНСИРОВАНИЯ (BLENDED FINANCE) В ПОВЫШЕНИИ ИНВЕСТИЦИОННОЙ ПРИВЛЕКАТЕЛЬНОСТИ КОММУНАЛЬНЫХ УСЛУГ: УРОКИ РАЗВИВАЮЩИХСЯ СТРАН .................................................................................................................................................... 174 Гулмаматова Дурдона Шерали кизи KORXONALARDA STRATEGIK BOSHQARUV ...................................................................................................................180 Musayeva Dilnoza Dilshatovna BANK TIZIMIDA MARKETING AHAMIYATI VA BANK MARKETINGI ....................................................................184 Usubjonov Zaxriddin Vasliddin o‘g‘li RAQAMLI IQTISODIYOT SHAROITIDA TIJORAT BANKLARI TOMONIDAN XORJIY KREDIT MABLAG‘LARINI JALB KILISH HUQUQIY JIHATLARI ..................................................................................................189 Qulliyev Anvar Zayniddinovich TIJORAT BANKLARINI TRANSFORMATSIYALASH SHAROITIDA CHAKANA XIZMATLARINI RIVOJLANTIRISH YO‘LLARI ....................................................................................................................................................194 Alimov Umid O‘ktambayevich MAHSULOTLARNING RAQAMLI PASPORTI TIZIMINI JORIY ETISH OMILLARI VA TO‘SIQLARI ..............200 Avloqulova Sadoqat Sobirjon qizi KORXONALARDA FOYDA VA ZARARLARNI TAHLIL QILISHDA INNOVATSION METODLAR AHAMIYATI .................................................................................................................................................................................... 207 Ernazarov Ortiq Eshnazarovich, Farog‘at Xo‘jabekova ВЛИЯНИЕ ИСКУССТВЕННОГО ИНТЕЛЛЕКТА НА ЭКОНОМИЧЕСКОЕ БЛАГОСОСТОЯНИЕ, А ТАКЖЕ НОВЫЕ МЕХАНИЗМЫ ПОВЫШЕНИЯ ДОХОДОВ НАСЕЛЕНИЯ .....................................................212 Останов Эгамберди RAQAMLI TRANSFORMATSIYA VA INNOVASION TEXNOLOGIYALARNI INTEGRATSIYALASH: MOHIYATI VA RIVOJLANISH IMKONIYATLARI ...............................................................................................................218 Xakimova Xulkar Xamidovna QORAQALPOG‘ISTON VA XORAZM OZIQ-ОVQAT SANОATINING IQTISODIY-STATISTIK TAHLILI HAMDA UNI YANADA RIVОJLANTIRISH YO‘LLARI ......................................................................................................224 Tleuov Niyetulla Raxmanovich OILAVIY KORXONALARNING IQTISODIY TIZIMDAGI O‘RNI .................................................................................... 230 Shadiyeva Gulnora Mardiyevna, Rustamova Zarina Rustamovna SUN’IY INTELLEKT ASOSIDA O‘ZBEKISTON OLIY TA’LIM MUASSASALARIDA MARKETING FAOLIYATINI MODELLASHTIRISH VA BOSHQARISH MEXANIZMLARI ...............................................................234 Sadikov Shoxrux Shuxratovich XIZMAT KO‘RSATISH SOHASI KORXONALARINING RAQOBATBARDOSHLIKNI OSHIRISHDA RAQAMLI XIZMATLARNING AHAMIYATI ......................................................................................................................... 238 Asenbaeva Aydaygul Edenbaevna BARQARORLIK VA YASHIL MENEJMENT: ILMIY-NAZARIY YONDASHUVLAR VA AMALIY AHAMIYATI .................................................................................................................................................................................... 242 Djalilova Dilbar Abdikarim qizi https://yashil-iqtisodiyot-taraqqiyot.uz MUNDARIJA СОДЕРЖАНИЕ CONTENTS 6 YASHIL IQTISODIYOT VA TARAQQIYOT 2025-yil, dekabr. № 12-son. KICHIK SANOAT ZONALARINI RIVOJLANTIRISH ORQALI AHOLI TURMUSH FAROVONLIGINI OSHIRISH ........................................................................................................................................................................................144 Axmedov Oybek Turgunpulatovich O‘ZBEKISTON SUG‘URTA BOZORI PORTFELI TAHLILI ...............................................................................................149 Madraximov Ilxom Kamilovich FOYDA SOLIG‘INING O‘ZIGA XOS MUAMMOLI JIHATLARI ........................................................................................154 Zaripov Xusan Baxodirovich AGRAR SEKTORNI INNOVATSION MODERNIZATSIYA QILISHDA INVESTITSIYA OQIMLARINI BOSHQARISH MODELLARINI TAKOMILLASHTIRISH .................................................................................................159 Xamrayev Quvvat Iskandarovich OLIY TA’LIM XIZMATLARI BOZORIDA MARKETING TADQIQODLARINI TAKOMILLASHTIRISH .............163 Jalilov Jamshid G‘anijonovich, Safarov Zavqiddin Zokir o‘g‘li MINTAQA SANOAT TARMOG‘I RIVOJLANISHINING IQTISODIY-STATISTIK TAHLILI ....................................168 Xayitboev Abror Quvondiqovich РОЛЬ СМЕШАННОГО ФИНАНСИРОВАНИЯ (BLENDED FINANCE) В ПОВЫШЕНИИ ИНВЕСТИЦИОННОЙ ПРИВЛЕКАТЕЛЬНОСТИ КОММУНАЛЬНЫХ УСЛУГ: УРОКИ РАЗВИВАЮЩИХСЯ СТРАН .................................................................................................................................................... 174 Гулмаматова Дурдона Шерали кизи KORXONALARDA STRATEGIK BOSHQARUV ...................................................................................................................180 Musayeva Dilnoza Dilshatovna BANK TIZIMIDA MARKETING AHAMIYATI VA BANK MARKETINGI ....................................................................184 Usubjonov Zaxriddin Vasliddin o‘g‘li RAQAMLI IQTISODIYOT SHAROITIDA TIJORAT BANKLARI TOMONIDAN XORJIY KREDIT MABLAG‘LARINI JALB KILISH HUQUQIY JIHATLARI ..................................................................................................189 Qulliyev Anvar Zayniddinovich TIJORAT BANKLARINI TRANSFORMATSIYALASH SHAROITIDA CHAKANA XIZMATLARINI RIVOJLANTIRISH YO‘LLARI ....................................................................................................................................................194 Alimov Umid O‘ktambayevich MAHSULOTLARNING RAQAMLI PASPORTI TIZIMINI JORIY ETISH OMILLARI VA TO‘SIQLARI ..............200 Avloqulova Sadoqat Sobirjon qizi KORXONALARDA FOYDA VA ZARARLARNI TAHLIL QILISHDA INNOVATSION METODLAR AHAMIYATI .................................................................................................................................................................................... 207 Ernazarov Ortiq Eshnazarovich, Farog‘at Xo‘jabekova ВЛИЯНИЕ ИСКУССТВЕННОГО ИНТЕЛЛЕКТА НА ЭКОНОМИЧЕСКОЕ БЛАГОСОСТОЯНИЕ, А ТАКЖЕ НОВЫЕ МЕХАНИЗМЫ ПОВЫШЕНИЯ ДОХОДОВ НАСЕЛЕНИЯ .....................................................212 Останов Эгамберди RAQAMLI TRANSFORMATSIYA VA INNOVASION TEXNOLOGIYALARNI INTEGRATSIYALASH: MOHIYATI VA RIVOJLANISH IMKONIYATLARI ...............................................................................................................218 Xakimova Xulkar Xamidovna QORAQALPOG‘ISTON VA XORAZM OZIQ-ОVQAT SANОATINING IQTISODIY-STATISTIK TAHLILI HAMDA UNI YANADA RIVОJLANTIRISH YO‘LLARI ......................................................................................................224 Tleuov Niyetulla Raxmanovich OILAVIY KORXONALARNING IQTISODIY TIZIMDAGI O‘RNI .................................................................................... 230 Shadiyeva Gulnora Mardiyevna, Rustamova Zarina Rustamovna SUN’IY INTELLEKT ASOSIDA O‘ZBEKISTON OLIY TA’LIM MUASSASALARIDA MARKETING FAOLIYATINI MODELLASHTIRISH VA BOSHQARISH MEXANIZMLARI ...............................................................234 Sadikov Shoxrux Shuxratovich XIZMAT KO‘RSATISH SOHASI KORXONALARINING RAQOBATBARDOSHLIKNI OSHIRISHDA RAQAMLI XIZMATLARNING AHAMIYATI ......................................................................................................................... 238 Asenbaeva Aydaygul Edenbaevna BARQARORLIK VA YASHIL MENEJMENT: ILMIY-NAZARIY YONDASHUVLAR VA AMALIY AHAMIYATI .................................................................................................................................................................................... 242 Djalilova Dilbar Abdikarim qizi https://yashil-iqtisodiyot-taraqqiyot.uz MUNDARIJA СОДЕРЖАНИЕ CONTENTS 7 YASHIL IQTISODIYOT VA TARAQQIYOT 2025-yil, dekabr. № 12-son. HUDUDLARNING IQTISODIY SALOHIYATINI INNAVATSION-INVESTITSION BOSHQARISH STRATEGIYASI VA MEXANIZMI (XORAZM VILOYATI MISOLIDA) ..........................................................................247 Maqsudova Malohatxon Maqsudovna, Yaxshimuratov Maqsadbek Narimon o‘g‘li O‘ZBEKISTON RESPUBLIKASI DAVLAT BUDJETINI 2026-YILGI SOLIQ SIYOSATINING TAHLILI VA XALQARO SOLISHTIRMA YONDASHUVI ....................................................................................................................251 Abdullayev Zafarbek Safibullayevich O‘ZBEKISTON MINTAQALARIDA AYOLLAR TADBIRKORLIGINI RIVOJLANTIRISH OMILLARI256 Mamataliyeva Dilnoza Raxmonovna TRANSFORMATSIYALASHUV SHAROITIDA INVESTITSIYALAR SHAKLLANISHI VA ULARNI SAMARALI BOSHQARISH YO‘NALISHLARI ......................................................................................................................259 To‘rayev Jasurali To‘rayevich O‘ZBEKISTONDA SAVDO TASHKILOTLARINING FAOLIYATI VA RIVOJLANISH HOLATI ..............................264 B. Sulaymonov NAMANGAN VILOYATIDA “YASHIL IQTISODIYOT” MODELIGA O‘TISH JARAYONIDA KICHIK BIZNES SUBYEKTLARINING IQTISODIY FAOLLIGI ......................................................................................................270 Xonto‘rayev Obbosxon Kamolxon o‘g‘li OʻZBEKISTONDA “YASHIL” IQTISODIYOTNI RIVOJLANTIRISHNING USTUVOR YOʻNALISHLARI ..........274 Xoshimov Pazliddin Zuxurovich KICHIK BIZNES ORQALI ISH O‘RINLARINI YARATISH STRATEGIYALARI: NAMANGAN VILOYATI MISOLIDA ....................................................................................................................................................................................... 278 Ergasheva Nigora Abdigapparovna MAMLAKATIMIZDA QO‘SHILGAN QIYMAT SOLIG‘INING IJTIMOIY-IQTISODIY AHAMIYATI ....................283 Quryozov Sardorbek Sharifboevich РАЗРАБОТКА И ПРИОРИТИЗАЦИЯ КЛЮЧЕВЫХ ИНДИКАТОРОВ ЭФФЕКТИВНОСТИ ДЛЯ ОБЩЕНАЦИОНАЛЬНОЙ ПАНЕЛИ МОНИТОРИНГА ДЕЯТЕЛЬНОСТИ БОЛЬНИЦ: ЭКСПЕРТНАЯ ОЦЕНКА СО СТОРОНЫ РУКОВОДИТЕЛЕЙ МЕДУЧРЕЖДЕНИЙ ........................................290 Шухратов Мамуржон Шухрат угли MAHALLIY DAVLAT HOKIMIYAT ORGANLARINI RAQAMLI TEXNOLOGIYALAR ASOSIDA BOSHQARISHGA TA’SIR ETUVCHI OMILLAR ..................................................................................................................297 Nurmurodov Zafarjon Nurmurod o‘g‘li BANK TIZIMINING BARQAROR MOLIYAVIY RIVOJLANISHINI TA’MINLASH VOSITALARI .........................303 Sadikov Iskandar Gayratovich ЗЕЛЕНОЕ ФИНАНСИРОВАНИЕ В ЗЕЛЕНОЙ ЭКОНОМИКЕ: ТЕОРИЯ И ПРАКТИКА ...............................308 Халиков С. Х. HUDUDIY IQTISODIY RIVOJLANISHDA KICHIK BIZNESNI ROLI VA SAMARADORLIGINI OSHIRISH CHORALARI ............................................................................................................................................................. 313 Ergashev Jamshid Jamoliddinovich ИСТОРИЧЕСКИЙ ПРОЦЕСС СТАНОВЛЕНИЯ ФАРМАЦЕВТИЧЕСКОЙ ПРОМЫШЛЕННОСТИ ............317 Мажидова Фарангиз Фуркатзода O‘ZBEKISTON RESPUBLIKASIDAGI TADBIRKORLIK SUBYEKTLARIDA ISHLAB CHIQARISH SAMARADORLIGINI OSHIRISH .............................................................................................................................................321 Isakov Oybеk Jamoliddinovich NORASMIY KOOPERATSIYA MUNOSABATLARINING FERMER XO‘JALIKLARI YETISHTIRGAN MAHSULOT MIQDORIGA TA’SIRINI BAHOLASH............................................................................................................325 Ismoilov Azamat O‘ZBEKISTON TIJORAT BANKLARIDA FOIZ RISKINI BOSHQARISH AMALIYOTI ...........................................332 Seitnazarov Daniyar Baxadirovich RAQAMLI TEXNOLOGIYALAR ASOSIDA SUT VA SUT MAHSULOTLARINI QAYTA ISHLOVCHI KORXONALAR FAOLIYATINI TAKOMILLASHTIRISH....................................................................................................341 Normuradov Nurbek Sunatilloevich “AYOL RAHBARLAR: RAHBARLIK SALOHIYATI VA ISH JOYIDA TENGLIK” FRANSIYA DAVLATI TAJRIBASI ASOSIDA ...................................................................................................................................................................346 Abduraxmonova Feruzabonu https://yashil-iqtisodiyot-taraqqiyot.uz MUNDARIJA СОДЕРЖАНИЕ CONTENTS 8 YASHIL IQTISODIYOT VA TARAQQIYOT 2025-yil, dekabr. № 12-son. QISHLOQ XO‘JALIGIDAGI KLASTERLARNING MOLIYAVIY BARQARORLIGINI EKONOMETRIK MODELLASHTIRISH...................................................................................................................................................................352 Dildora Yuldasheva TIJORAT BANKLARINING DEPOZIT BAZASINING YETARLILIGINI TAʼMINLASH YOʻLLARI ......................359 I.J. Isakov OLIY TA’LIM SIFATINI OSHIRISH VA IQTISODIY DIAGNOSTIKA O‘TKAZISHNING XORIJ TAJRIBASI .....363 Xo‘jaxonov Ma’rufxon Xamidxonovich, Axmedov Oybek Turg‘unpulatovich INKLYUZIV TA’LIMNI MOLIYAVIY QO‘LLAB-QUVVATLASHDAGI MUAMMOLAR VA ULARNI YECHISH YO‘LLARI ..................................................................................................................................................................... 369 Egamberdiyeva Dilorom Botir qizi, Pulatova Moxira Baxtiyorovna “KREATIV IQTISODIYOT” HAMDA “TURIZM” TUSHUNCHALARINING ILMIY-NAZARIY ASOSLARI ....................................................................................................................................................................................... 374 Abdurasulov Shovqiddin Erkin o‘g‘li THE STRATEGIC ROLE OF THE INDUSTRIAL SECTOR IN THE NATIONAL ECONOMY AND DEVELOPMENT FACTORS .......................................................................................................................................................380 Rakhimov Bakhromjon Ibroximovich INVESTITSIYALARNI MOLIYALASHTIRISH METODOLOGIYASINI TAKOMILLASHTIRISHNING ASOSIY YOʻNALISHLARI ...........................................................................................................................................................386 Ismailov Dilshod Anvarjonovich GLOBAL INCOME INEQUALITY IN 2024: CAUSES, PATTERNS, AND CONSEQUENCES ................................393 Ilxomjonov Jaxongir Alisher o‘g‘li ТОРГОВЫЕ ОТНОШЕНИЯ В СВОБОДНО ЭКОНОМИЧЕСКИХ ЗОНАХ: ПРОБЛЕМЫ И РЕШЕНИЯ .................................................................................................................................................................................401 Шарифхoджаев Шавкат Окилович, Ачилова Ширин Шавкат кизи O‘ZBEKISTON KON-METALLURGIYA SANOATI: RIVOJLANISH TENDENSIYALARI VA HOZIRGI HOLATI ............................................................................................................................................................................................407 Ergashov Botirjon Ergashovich PENSIYA JAMGʻARMASIDA DAVLAT BUDJETI TRANSFERTLARI ULUSHI HAMDA UNING XORIJ TAJRIBASI .......................................................................................................................................................................................415 Sherjonov Doniyor Saparbayevich O‘ZBEKISTON SANOAT KORXONALARINI QIMMATLI QOG‘OZLAR BOZORIDAN FOYDALANIB MOLIYALASHTIRISHNING HOZIRGI HOLATI VA MUAMMOLARI ...........................................................................419 Igitov Jurabek Kuzibekovich QO‘SHILGAN QIYMAT SOLIG‘I BO‘YICHA FIRIBGARLIKLAR: MEXANIZMLARI, SABABLARI VA ULARNI OLDINI OLISH YO‘LLARI..................................................................................................................................425 Eshkarayev Bobir Chariyevich TOG‘ VA TOG‘OLDI HUDUDLARIDA QISHLOQ XO‘JALIGINI DIVERSIFIKATSIYA QILISHNING USTUVOR YO‘NALISHLARI VA IQTISODIY SAMARADORLIGI ..................................................................................431 Abdulxayeva Gulshan Maxmudovna TURIZM SOHASINING IJTIMOIY-IQTISODIY MEXANIZMLARINI TAKOMILLASHTIRISH YO‘LLARI (SAMARQAND VILOYATI MISOLIDA)..................................................................................................................................435 Xalimov Shaxboz Xalimovich SANOATDA IQTISODIY MOLIYAVIY HISSOBOTLAR XALQARO STANDARTLARINI RAQOBATBARDOSH KORPORATIV STRATEGIYALARNI SHAKLLANTIRISHDA QO‘LLASH ........................442 Turaboev Ibroxim Ismoil o‘g‘li ФОНДИРОВАНИЕ И СТРАХОВАНИЕ В СИСТЕМЕ УПРАВЛЕНИЯ ФИНАНСОВЫМИ РИСКАМИ АПК: СОВРЕМЕННЫЕ ПОДХОДЫ И МЕЖДУНАРОДНЫЙ ОПЫТ ..................................................................................447 Дурманов Акмал Шаймарданович PAXTA-TO‘QIMACHILIK KLASTERLARI RIVOJLANISHINING STATISTIK KO‘RSATKICHLARI TAHLILI ...........................................................................................................................................................................................456 Atajanova Guli Maxsudbekovna JAHON MOLIYAVIY BOZORLARI BARQARORLIGIGA GLOBAL IQTISODIY INQIROZLAR VA GEOSIYOSIY OMILLARNING TA’SIRI HAMDA ULARNI BOSHQARISH STRATEGIYALARI .....................462 Abdurazakova Nargiza Rixsibayevna https://yashil-iqtisodiyot-taraqqiyot.uz MUNDARIJA СОДЕРЖАНИЕ CONTENTS 8 YASHIL IQTISODIYOT VA TARAQQIYOT 2025-yil, dekabr. № 12-son. QISHLOQ XO‘JALIGIDAGI KLASTERLARNING MOLIYAVIY BARQARORLIGINI EKONOMETRIK MODELLASHTIRISH...................................................................................................................................................................352 Dildora Yuldasheva TIJORAT BANKLARINING DEPOZIT BAZASINING YETARLILIGINI TAʼMINLASH YOʻLLARI ......................359 I.J. Isakov OLIY TA’LIM SIFATINI OSHIRISH VA IQTISODIY DIAGNOSTIKA O‘TKAZISHNING XORIJ TAJRIBASI .....363 Xo‘jaxonov Ma’rufxon Xamidxonovich, Axmedov Oybek Turg‘unpulatovich INKLYUZIV TA’LIMNI MOLIYAVIY QO‘LLAB-QUVVATLASHDAGI MUAMMOLAR VA ULARNI YECHISH YO‘LLARI ..................................................................................................................................................................... 369 Egamberdiyeva Dilorom Botir qizi, Pulatova Moxira Baxtiyorovna “KREATIV IQTISODIYOT” HAMDA “TURIZM” TUSHUNCHALARINING ILMIY-NAZARIY ASOSLARI ....................................................................................................................................................................................... 374 Abdurasulov Shovqiddin Erkin o‘g‘li THE STRATEGIC ROLE OF THE INDUSTRIAL SECTOR IN THE NATIONAL ECONOMY AND DEVELOPMENT FACTORS .......................................................................................................................................................380 Rakhimov Bakhromjon Ibroximovich INVESTITSIYALARNI MOLIYALASHTIRISH METODOLOGIYASINI TAKOMILLASHTIRISHNING ASOSIY YOʻNALISHLARI ...........................................................................................................................................................386 Ismailov Dilshod Anvarjonovich GLOBAL INCOME INEQUALITY IN 2024: CAUSES, PATTERNS, AND CONSEQUENCES ................................393 Ilxomjonov Jaxongir Alisher o‘g‘li ТОРГОВЫЕ ОТНОШЕНИЯ В СВОБОДНО ЭКОНОМИЧЕСКИХ ЗОНАХ: ПРОБЛЕМЫ И РЕШЕНИЯ .................................................................................................................................................................................401 Шарифхoджаев Шавкат Окилович, Ачилова Ширин Шавкат кизи O‘ZBEKISTON KON-METALLURGIYA SANOATI: RIVOJLANISH TENDENSIYALARI VA HOZIRGI HOLATI ............................................................................................................................................................................................407 Ergashov Botirjon Ergashovich PENSIYA JAMGʻARMASIDA DAVLAT BUDJETI TRANSFERTLARI ULUSHI HAMDA UNING XORIJ TAJRIBASI .......................................................................................................................................................................................415 Sherjonov Doniyor Saparbayevich O‘ZBEKISTON SANOAT KORXONALARINI QIMMATLI QOG‘OZLAR BOZORIDAN FOYDALANIB MOLIYALASHTIRISHNING HOZIRGI HOLATI VA MUAMMOLARI ...........................................................................419 Igitov Jurabek Kuzibekovich QO‘SHILGAN QIYMAT SOLIG‘I BO‘YICHA FIRIBGARLIKLAR: MEXANIZMLARI, SABABLARI VA ULARNI OLDINI OLISH YO‘LLARI..................................................................................................................................425 Eshkarayev Bobir Chariyevich TOG‘ VA TOG‘OLDI HUDUDLARIDA QISHLOQ XO‘JALIGINI DIVERSIFIKATSIYA QILISHNING USTUVOR YO‘NALISHLARI VA IQTISODIY SAMARADORLIGI ..................................................................................431 Abdulxayeva Gulshan Maxmudovna TURIZM SOHASINING IJTIMOIY-IQTISODIY MEXANIZMLARINI TAKOMILLASHTIRISH YO‘LLARI (SAMARQAND VILOYATI MISOLIDA)..................................................................................................................................435 Xalimov Shaxboz Xalimovich SANOATDA IQTISODIY MOLIYAVIY HISSOBOTLAR XALQARO STANDARTLARINI RAQOBATBARDOSH KORPORATIV STRATEGIYALARNI SHAKLLANTIRISHDA QO‘LLASH ........................442 Turaboev Ibroxim Ismoil o‘g‘li ФОНДИРОВАНИЕ И СТРАХОВАНИЕ В СИСТЕМЕ УПРАВЛЕНИЯ ФИНАНСОВЫМИ РИСКАМИ АПК: СОВРЕМЕННЫЕ ПОДХОДЫ И МЕЖДУНАРОДНЫЙ ОПЫТ ..................................................................................447 Дурманов Акмал Шаймарданович PAXTA-TO‘QIMACHILIK KLASTERLARI RIVOJLANISHINING STATISTIK KO‘RSATKICHLARI TAHLILI ...........................................................................................................................................................................................456 Atajanova Guli Maxsudbekovna JAHON MOLIYAVIY BOZORLARI BARQARORLIGIGA GLOBAL IQTISODIY INQIROZLAR VA GEOSIYOSIY OMILLARNING TA’SIRI HAMDA ULARNI BOSHQARISH STRATEGIYALARI .....................462 Abdurazakova Nargiza Rixsibayevna https://yashil-iqtisodiyot-taraqqiyot.uz MUNDARIJA СОДЕРЖАНИЕ CONTENTS 9 YASHIL IQTISODIYOT VA TARAQQIYOT 2025-yil, dekabr. № 12-son. QISHLOQ XO‘JALIGIDA RESURSLARDAN SAMARALI FOYDALANISH VA OZIQ-OVQAT MAHSULOTLARINI ISHLAB CHIQARISHDA BOSHQARUV QARORLARINING IQTISODIY TAHLILI .........467 Mamadiyarov Dilshad Uralovich PAXTA TOZALASH KORXONALARINING TARKIBIY BOʻLINMALARIDA MOLIYAVIY BOSHQARUV TIZIMINI TAKOMILLASHTIRISH YOʻLLARI ......................................................................................................................474 Murodov Orif Jumayevich, Gʻulomov Xaydarbek Ilyos oʻgʻli BARQAROR KELAJAK SARI: MAMLAKATDA EKOLOGIK XAVFSIZLIKNI MUSTAHKAMLASH ....................482 Abdullaev Shavkatjon Maxmudillaevich ZAMONAVIY IQTISODIY SHAROITLARDA KORXONALARNING MOLIYAVIY BARQARORLIGINI TA’MINLASH ..................................................................................................................................................................................487 Abdulakimova Moxina Farxod qizi UMUMIY OVQATLANISH SHAHOBCHALARINING FAOLIYATI SAMARADORLIGINI TAHLIL QILISH ..............................................................................................................................................................................................493 Amiriddinova Muslima Zayniddin qizi XIZMAT KO‘RSATISH SOHASIDA MIJOZLAR EHTIYOJINI O‘RGANISH VA XIZMAT SIFATINI OSHIRISHNING INNOVATSION YONDASHUVLARI .......................................................................................................498 Babayeva Lola Ibragimovna MINTAQADA TARIXIY VA MADANIY TURIZMNI RIVOJLANTIRISH IMKONIYATLARINI KENGAYTIRISHDA DAVLAT HAMDA XUSUSIY SHERIKCHILIK TIZIMIDAN FOYDALANISH ......................504 Xusanov Chari Kadirovich PROSPECTS FOR IMPROVING INFRASTRUCTURE FOR SMALL BUSINESS AND ENTREPRENEURSHIP IN THE REPUBLIC OF UZBEKISTAN..................................................................................... 509 Botirova Xulkar Olimjonovna THE IMPACT OF AGRICULTURAL CLUSTERS ON FOOD SECURITY AND MACROECONOMIC STABILITY ......................................................................................................................................................................................514 Sherkulov Shohruh Erkin ugli OZIQ-OVQAT XAVFSIZLIGINI TA’MINLASHDA ISSIQXONA IQTISODIYOTINI O‘RNI VA NAZARIY–METODOLOGIK ASOSLAR ...........................................................................................................................520 Otavullaev Sukhrob Sa’dullo o‘g‘li IJTIMOIY AHAMIYATI YUQORI LOYIHALARNI DAVLAT-XUSUSIY SHERIKLIGI ASOSIDA BOSHQARISHNI TAKOMILLASHTIRISH ............................................................................................................................524 Taspanova Ayzada Kenjebayevna KICHIK BIZNES SUBYEKTLARIDA RAQOBAT STRATEGIYALARINI TAKOMILLASHTIRISH .......................529 Sharopova Nafosat Radjabovna, Jamolova Aziza TIKUV-TRIKOTAJ KORXONALARIDA ISTE’MOLCHILARNING XULQ-ATVORINI O‘RGANISHNI TAKOMILLASHTIRISH ...............................................................................................................................................................537 Sultonova Zulxumor, Bobojonov Baxrombek Ro‘zimovich INTERNATIONAL TRADE BETWEEN INTEGRATION AND ISOLATION: INNOVATION AND UNCERTAINTY IN A FRAGMENTING GLOBAL ECONOMY ..............................................................................542 Zakhidov Azizbek Rustamovich QORAQALPOGʻISTON RESPUBLIKASI QO‘NG‘IROT TUMANIDA SIGIRLAR BOSH SONINING PROGNOZ KO‘RSATKICHLARI ...............................................................................................................................................548 Sabit Gabbarov TO‘QIMACHILIK MAHSULOTLARI EKSPORTINI OSHIRISHDA YASHIL MARKETING STRATEGIYALARIDAN FOYDALANISH ..............................................................................................................................552 Ergashxodjayeva Shaxnoza Djasurovna, Xo‘janova Husnora O‘ZBEKISTONDA IQTISODIY O‘SISH SIFAT OMILLARINING TA’SIRINI BAHOLASH METODOLOGIYASINI TAKOMILLASHTIRISH .................................................................................................................. 558 Bustonov Mansurjon Mardonakulovich ОБЩАЯ КОНЦЕПЦИЯ СТАБИЛЬНОСТИ ФОРМИРОВАНИЯ ФИНАНСОВЫХ РЕСУРСОВ .......................567 Зайналов Джахонгир Расулович ОСОБЕННОСТИ РАЗВИТИЯ РЫНКОВ КАПИТАЛОВ ................................................................................................571 Хотамкулова Мадина Санжар кизи, Зайналов Джахонгир Расулович https://yashil-iqtisodiyot-taraqqiyot.uz MUNDARIJA СОДЕРЖАНИЕ CONTENTS 16 YASHIL IQTISODIYOT VA TARAQQIYOT 2025-yil, dekabr. № 12-son. METALLURGIYA SANOATIDA EKOLOGIK TOZA TEXNOLOGIYALARNI JORIY ETISH: MAQSADGA MUVOFIQLIGI VA NATIJALARI ............................................................................................................................................ 1244 Karimov Ma’ruf Ixtiyorovich HUDUDIY IQTISODIY O‘SISH OMILLARINING EKONOMETRIK TAHLILI: SURXONDARYO VILOYATI MISOLIDA ................................................................................................................................................................ 1248 Zaripova Mukaddas Djumayozovna, Normurodov Asliddin Alijon o‘g‘li INDUSTRIАL RIVOJLАNISHNING IQTISODIY VА EKOLOGIK OQIBАTLАRI ..................................................... 1258 Ataniyazova M.B. OLIY TA’LIM RAQOBATBARDOSHLIGINING TA’LIM SIFATINI OSHIRISHDAGI ROLI ................................... 1263 Nishonov Dilshod Shamsidinovich СИСТЕМА ВЫСШЕГО ОБРАЗОВАНИЯ КАК КЛЮЧЕВОЙ ЭЛЕМЕНТ ФОРМИРОВАНИЯ «ЗЕЛЕНОЙ» ЭКОНОМИКИ В РЕСПУБЛИКЕ УЗБЕКИСТАН ................................................................................ 1269 Махмутходжаева Луиза Сайфулловна IQTISODIYOTDA “YASHIL” MOLIYALASHTIRISHNI RIVOJLANTIRISHNING XUSUSIYATLARI ................. 1274 Risqibekova Nozimaxon THE ROLE OF DIGITAL MARKETING IN BOOSTING TOURISM-RELATED BUSINESSES ............................ 1280 Farrukh Mamadiyorov Shukhratovich MINTAQA IQTISODIY BARQARORLIGINI BAHOLASH INDIKATORLARI VA USLUBLARI ........................... 1284 Turdiyev Ulug‘bek Qayumovich MAJOR INFLATIONARY FACTORS IN THE ECONOMY OF UZBEKISTAN AND ANTI-INFLATION POLICIES ....................................................................................................................................................................................... 1290 Koshanov Abdimurat Azat uli, Oralbaeva Diana Mukhit qizi ЦИФРОВАЯ ЭКОСИСТЕМА СОВРЕМЕННОГО УНИВЕРСИТЕТА: МОДЕЛИ, МЕХАНИЗМЫ И НАПРАВЛЕНИЯ РАЗВИТИЯ ........................................................................................................................................... 1296 Бекова Азиза Алимовна SOLIQ MAJBURIYATLARINI HISOBGA OLISH JARAYONLARINI TAKOMILLASHTIRISH ............................. 1301 Abdullayev Abror Bozarboyevich O‘ZBEKISTON RESPUBLIKASIDA AKSIZ SOLIINING FISKAL VA IJTIMOIY ROLI ........................................... 1308 Abdulxayeva Shaxnoza Muxammadiyevna MINTAQAVIY IQTISODIYOTDA AGROTURIZMNI BAHOLASH USULLARI VA MEZONLARI ....................... 1314 Egamberdiyeva Umriniso Tursunqulovna, Ro‘zmatov Boburjon Zafarjon o‘g‘li, Shodiyeva Nafosatxon Hamza qizi OLIY TAʼLIMDAGI RAQAMLI YECHIMLARNING SAMARADORLIGI VA UNI BAHOLASH MEZONLARI ................................................................................................................................................................................ 1320 Abduraxmanova Malika Abdujaparovna SURXONDARYO VILOYATI SHAROITIDA AKVAPARK VA SUZISH HAVZALARI QURILISHINI TAHLIL QILISH HAMDA TAVSIYALAR BERISH ............................................................................................................. 1326 Olimjonov Firdavs FISKAL FEDERALIZM NAZARIYASI VA UNING AMALIY AHAMIYATI ................................................................. 1332 Pulatov Dilshod Xaqberdiyevich, Alijonov Ahadjon Hasanboy oʻgʻli OILAVIY MUHITDA QIZLARNING EMOTSIONAL INTELLEKTINI RIVOJLANTIRISH: IJTIMOIY PEDAGOGIK YONDASHUV (O‘ZBEKISTONDA) ......................................................................................... 1336 Qаyimоvа Mаftunа Tursunоvnа «YASHIL IPOTEKA» AMALIYOTI: XORIJIY TAJRIBALAR ........................................................................................... 1340 Berdinazarov Zafar Ulashovich, Xayitov Bobirbek Ergashevich ТРАНСФОРМАЦИЯ ПРОЦЕССОВ ПРИНЯТИЯ СТРАТЕГИЧЕСКИХ РЕШЕНИЙ В ЭПОХУ ИСКУССТВЕННОГО ИНТЕЛЛЕКТА. ФОРМИРОВАНИЕ НОВОЙ ПАРАДИГМЫ КОРПОРАТИВНОГО УПРАВЛЕНИЯ ................................................................................................................................. 1344 Бурханова Шахноза Бобировна QIMMATLI QOG‘OZLAR BOZORIDA TIJORAT BANKLARI FAOLIYATINI KENGAYTIRISH MASALALARI .............................................................................................................................................................................. 1353 Abduvoxidova N.G‘., Karimova A.M. ISHLAB CHIQARISHNI DIVERSIFIKATSIYA ORQALI SAMARADORLIKNI OSHIRISHNING ASOSIY MEHANIZMLARI ........................................................................................................................................................................ 1359 Mirzarayimova Feruza Zokirjon qizi, Levakov Izzatulla Nematillayevich https://yashil-iqtisodiyot-taraqqiyot.uz MUNDARIJA СОДЕРЖАНИЕ CONTENTS 17 YASHIL IQTISODIYOT VA TARAQQIYOT 2025-yil, dekabr. № 12-son. TOʻGʻRI SOLIQLARNI UNDIRISH METODOLOGIYASINI TAKOMILLASHTIRISH AMALIYOTI TAHLILI ......................................................................................................................................................................................... 1365 Xo‘jaqulov Ramshid Yunusovich OʻZBEKISTONDA BANK TIZIMINING HOZIRGI HOLATI VA RIVOJLANISH TENDENSIYALARI ................1372 Kasimova Zilolaxon Botir qizi INNOVATSION FAOLIYATNI MOLIYALASHTIRISHNING IQTISODIY MAZMUNI VA TAMOYILLARI .......1379 Gafurov Ma’ruf Xakimovich KREDIT RISKI VA UNGA TA‘SIR QILUVCHI OMILLAR TAHLILI .............................................................................1383 Karimova Shohida Zaylobiddinovna SURXONDARYO VILOYATI TUMANLARINING IQTISODIY MODERNIZATSIYASI: ASOSIY OMILLAR VA TENDENSIYALAR................................................................................................................................................................ 1389 Qosimova Nodira Saidovna BUXORO VILOYATIDA YASHIL AGROTURIZM KONSEPSIYASINI SHAKLLANTIRISH ...................................1395 Umurov J. TIJORAT BANKLARI FAOLIYATIDA DAROMADLAR VA ULARNI SHAKLLANTIRISH YO‘LLARI ...............1403 Ostonaqulova Gulchehraxon Muhammadyoqub qizi MINTAQADA KICHIK BIZNESNING EKSPORT SALOHIYATI SAMARADORLIGINI OSHIRISHNING USTUVOR YO‘NALISHLARI....................................................................................................................................................1409 Raxmatullayev Umarbek Ulug‘bekovich FERMERLAR KOOPERATSIYASI VA XALQARO BOZORLARGA KIRISH: O‘TISH DAVRI IQTISODIYOTIDAN XULQ-ATVOR, DEMOGRAFIK VA INSTITUTSIONAL NUQTAI NAZARLAR ................ 1415 Tursunqulov G‘olib Shavkat o‘g‘li ERKIN IQTISODIY ZONALARNI KLASTER ASOSIDA RIVOJLANTIRISH .............................................................1422 Mamadiyev Elyor Akmalovich, Sharipov K. A. КОРПОРАТИВНОЕ УПРАВЛЕНИЕ В АВТОМОБИЛЬНОМ СЕКТОРЕ УЗБЕКИСТАНА: СТРАТЕГИИ УПРАВЛЕНИЯ РИСКАМИ ДЛЯ УСТОЙЧИВОГО РОСТА И СОБЛЮДЕНИЯ РЕГУЛЯТОРНЫХ ТРЕБОВАНИЙ ............................................................................................................................................................................ 1427 Шамсуддинов Шухрат Нематович ПУТИ ВНЕДРЕНИЯ И СТИМУЛИРОВАНИЯ ИННОВАЦИОННОГО ПОТЕНЦИАЛА НА ПРОМЫШЛЕННЫХ ПРЕДПРИЯТИЯХ ....................................................................................................................1431 U. D. Gayratov O‘ZBEKISTONDA ISLOM MOLIYASIGA BO‘LGAN EHTIYOJ VA ZARURIYAT: UNING AHAMIYATI ............1435 Sh.N.Gʻafforov MEHNAT RESURSLARINI BOSHQARISH VA UNI SAMARADORLIGINI OSHIRISH MASALALARI .......... 1439 Uzoqov Lutfillojon Fayzullojonovich DAVLAT TOMONIDAN IQTISODIY NAZORATNING BOZOR BARQARORLIGINI TA’MINLASHDAGI ROLI: O‘ZBEKISTON TAJRIBASI VA GLOBAL AMALIYOT TAHLILI .......................................................................1443 Rasulev Alisher Fayziyevich. Karimov Ulug‘bek Mirzajon o‘g‘li TASHQI DAVLAT QARZINING VALYUTA TUZILMASI VA UNING QARZ BARQARORLIGIGA TA’SIRI TAHLILI ......................................................................................................................................................................................... 1446 Sanakulova B. R., Jamolov M.M. ASOSIY MAKROIQTISODIY KO‘RSATKICHLAR ORQALI DAROMADLAR O‘SISHINI BAHOLASH METODOLOGIYASI .................................................................................................................................................................... 1452 Eshbaeva Shahnoza Faxriddinovna ЭКОНОМИКА УСТОЙЧИВОГО РАЗВИТИЯ: СОВРЕМЕННЫЕ ПОДХОДЫ И ПРАКТИКА ........................1457 Рустамов Зокир Тоирович EKSPORT DIVERSIFIKATSIYASINI SHAKLLANTIRISHDA AKT NING ROLI: RIVOJLANAYOTGAN DAVLATLAR MISOLIDA .......................................................................................................................................................... 1461 Sadriddinov Ulug‘bek Jaloliddin o‘g‘li ВЗАИМОСВЯЗЬ МЕЖДУ ИНВЕСТИЦИОННЫМИ ПОТОКАМИ И ИМПОРТОМ В УЗБЕКИСТАНЕ ......................................................................................................................................................................1467 Рустамов Фозилжон ICHKI BOZORDA PARRANDA GO‘SHTI MAHSULOTINING NARX BARQARORLIGI VA KELGUSI TENDENSIYALARINI EKONOMETRIK MODELLAR ORQALI BAHOLASH ..........................................................1475 Jumayev Olimjon Sadulloyevich https://yashil-iqtisodiyot-taraqqiyot.uz MUNDARIJA СОДЕРЖАНИЕ CONTENTS 16 YASHIL IQTISODIYOT VA TARAQQIYOT 2025-yil, dekabr. № 12-son. METALLURGIYA SANOATIDA EKOLOGIK TOZA TEXNOLOGIYALARNI JORIY ETISH: MAQSADGA MUVOFIQLIGI VA NATIJALARI ............................................................................................................................................ 1244 Karimov Ma’ruf Ixtiyorovich HUDUDIY IQTISODIY O‘SISH OMILLARINING EKONOMETRIK TAHLILI: SURXONDARYO VILOYATI MISOLIDA ................................................................................................................................................................ 1248 Zaripova Mukaddas Djumayozovna, Normurodov Asliddin Alijon o‘g‘li INDUSTRIАL RIVOJLАNISHNING IQTISODIY VА EKOLOGIK OQIBАTLАRI ..................................................... 1258 Ataniyazova M.B. OLIY TA’LIM RAQOBATBARDOSHLIGINING TA’LIM SIFATINI OSHIRISHDAGI ROLI ................................... 1263 Nishonov Dilshod Shamsidinovich СИСТЕМА ВЫСШЕГО ОБРАЗОВАНИЯ КАК КЛЮЧЕВОЙ ЭЛЕМЕНТ ФОРМИРОВАНИЯ «ЗЕЛЕНОЙ» ЭКОНОМИКИ В РЕСПУБЛИКЕ УЗБЕКИСТАН ................................................................................ 1269 Махмутходжаева Луиза Сайфулловна IQTISODIYOTDA “YASHIL” MOLIYALASHTIRISHNI RIVOJLANTIRISHNING XUSUSIYATLARI ................. 1274 Risqibekova Nozimaxon THE ROLE OF DIGITAL MARKETING IN BOOSTING TOURISM-RELATED BUSINESSES ............................ 1280 Farrukh Mamadiyorov Shukhratovich MINTAQA IQTISODIY BARQARORLIGINI BAHOLASH INDIKATORLARI VA USLUBLARI ........................... 1284 Turdiyev Ulug‘bek Qayumovich MAJOR INFLATIONARY FACTORS IN THE ECONOMY OF UZBEKISTAN AND ANTI-INFLATION POLICIES ....................................................................................................................................................................................... 1290 Koshanov Abdimurat Azat uli, Oralbaeva Diana Mukhit qizi ЦИФРОВАЯ ЭКОСИСТЕМА СОВРЕМЕННОГО УНИВЕРСИТЕТА: МОДЕЛИ, МЕХАНИЗМЫ И НАПРАВЛЕНИЯ РАЗВИТИЯ ........................................................................................................................................... 1296 Бекова Азиза Алимовна SOLIQ MAJBURIYATLARINI HISOBGA OLISH JARAYONLARINI TAKOMILLASHTIRISH ............................. 1301 Abdullayev Abror Bozarboyevich O‘ZBEKISTON RESPUBLIKASIDA AKSIZ SOLIINING FISKAL VA IJTIMOIY ROLI ........................................... 1308 Abdulxayeva Shaxnoza Muxammadiyevna MINTAQAVIY IQTISODIYOTDA AGROTURIZMNI BAHOLASH USULLARI VA MEZONLARI ....................... 1314 Egamberdiyeva Umriniso Tursunqulovna, Ro‘zmatov Boburjon Zafarjon o‘g‘li, Shodiyeva Nafosatxon Hamza qizi OLIY TAʼLIMDAGI RAQAMLI YECHIMLARNING SAMARADORLIGI VA UNI BAHOLASH MEZONLARI ................................................................................................................................................................................ 1320 Abduraxmanova Malika Abdujaparovna SURXONDARYO VILOYATI SHAROITIDA AKVAPARK VA SUZISH HAVZALARI QURILISHINI TAHLIL QILISH HAMDA TAVSIYALAR BERISH ............................................................................................................. 1326 Olimjonov Firdavs FISKAL FEDERALIZM NAZARIYASI VA UNING AMALIY AHAMIYATI ................................................................. 1332 Pulatov Dilshod Xaqberdiyevich, Alijonov Ahadjon Hasanboy oʻgʻli OILAVIY MUHITDA QIZLARNING EMOTSIONAL INTELLEKTINI RIVOJLANTIRISH: IJTIMOIY PEDAGOGIK YONDASHUV (O‘ZBEKISTONDA) ......................................................................................... 1336 Qаyimоvа Mаftunа Tursunоvnа «YASHIL IPOTEKA» AMALIYOTI: XORIJIY TAJRIBALAR ........................................................................................... 1340 Berdinazarov Zafar Ulashovich, Xayitov Bobirbek Ergashevich ТРАНСФОРМАЦИЯ ПРОЦЕССОВ ПРИНЯТИЯ СТРАТЕГИЧЕСКИХ РЕШЕНИЙ В ЭПОХУ ИСКУССТВЕННОГО ИНТЕЛЛЕКТА. ФОРМИРОВАНИЕ НОВОЙ ПАРАДИГМЫ КОРПОРАТИВНОГО УПРАВЛЕНИЯ ................................................................................................................................. 1344 Бурханова Шахноза Бобировна QIMMATLI QOG‘OZLAR BOZORIDA TIJORAT BANKLARI FAOLIYATINI KENGAYTIRISH MASALALARI .............................................................................................................................................................................. 1353 Abduvoxidova N.G‘., Karimova A.M. ISHLAB CHIQARISHNI DIVERSIFIKATSIYA ORQALI SAMARADORLIKNI OSHIRISHNING ASOSIY MEHANIZMLARI ........................................................................................................................................................................ 1359 Mirzarayimova Feruza Zokirjon qizi, Levakov Izzatulla Nematillayevich https://yashil-iqtisodiyot-taraqqiyot.uz MUNDARIJA СОДЕРЖАНИЕ CONTENTS 18 YASHIL IQTISODIYOT VA TARAQQIYOT 2025-yil, dekabr. № 12-son. TIBBIY XIZMAT INFRATUZILMASINING FARGʻONA IQTISODIY RAYONIDA JOYLASHUV XUSUSIYATLARI ......................................................................................................................................................................... 1483 Xolmirzayeva Zulayxo Axmadjon qizi TIJORAT BANKLARIDA MARKETING FAOLIYATINI BAHOLASH BO‘YICHA METODOLOGIK YONDASHUVLAR ISHLAB CHIQISH...................................................................................................................................1488 Ibragimova Shaxlo Alimbayevna ENERGY TRANSITION DEBATE: ELECTRIC VEHICLES, OIL AND THE “GREEN” PARADOX .....................1492 Tokhirjonov Temurbek Alimardon ogli, Numonjon Malikov SANOATLASHUV NATIJASIDA QISHLOQ XO‘JALIGIDA AHOLI BANDLIGINING KAMAYISHI TAHLILI ......................................................................................................................................................................................... 1500 B.Beknazarov RESPUBLIKA TO‘QIMACHILIK SANOATINING SHAKLLANISHI VA MUSTAQILLIK YILLARIDA RIVOJLANISHI ............................................................................................................................................................................. 1505 Nurboyev Jaloliddin Mamadiyevich “YASHIL IQTISODIYOT” VA QAYTA TIKLANUVCHI ENERGIYANING IQTISODIY SAMARADORLIGI ...................................................................................................................................................................... 1510 Qurbonov Shovqi Djurayevich THE ROLE OF ENVIRONMENTAL FACTORS IN THE COURSE OF ACUTE RHEUMATIC FEVER IN CHILDREN .............................................................................................................................................................................. 1516 Kuldashev Sardor Furqatovich MOLIYAVIY INKLYUZIYA DARAJASINI BAHOLASHNING AXBOROT TIZIMI ASOSIDA MONITORING MEXANIZMLARINI SHAKLLANTIRISHNING ILMIY-USLUBIY ASOSLARI .........................................................1520 Adashaliyev Baxtiyorjon Valisher oʻgʻli EKSPORT SAMARADORLIGINI OSHIRISHDA INNOVATSIYALARNING AHAMIYATI ....................................1527 Sobirova Muxlisa MAHALLIY BUDJETLAR MUSTAQILLIGINI TA’MINLASHDA SOLIQ TUSHUMLARI VA TRANSFERTLAR NISBATINI OPTIMALLASHTIRISH ........................................................................................... 1531 Мuxitdinov Sidikxo‘ja Akobirxo‘ja oʻg‘li BANK TIZIMI ORQALI YASHIL MOLIYANI RIVOJLANTIRISH: GREEN ADVISORY SERVICES XIZMATLARINING ZAMONAVIY AMALIYOTI ................................................................................................................ 1537 Abdumutalova Gulrux Shuxratjon qizi ISLOMIY MOLIYA VA RAQAMLI BANK EKOTIZIMLARINING INTEGRATSIYASINING O‘ZBEKISTONDAGI ISTIQBOLLARI ................................................................................................................................... 1544 Galatov Abbos Alibekovich AGROSERVIS XIZMATLARINI TAKOMILLASHTIRISH ORQALI KAMBAGʻALLIKNI QISQARTIRISHNING STRATEGIK YOʻNALISHLARI.....................................................................................................1551 Abilov Feruz Nematullayevich TRANSFORMATSIYALASH JARAYONIDA TIJORAT BANKLARI KREDITLARI AMALIYOTI BILAN BOGʻLIQ MUAMMOLAR VA ULARNI KAMAYTIRISH YOʻLLARI .............................................................................1554 Jabbarov Nodir Umirovich OLIY TA’LIM MALAKALARINI XALQARO TAN OLISHNING INSTITUTSIONAL MEXANIZMLARI: BOLONYA JARAYONI VA YUNESKO GLOBAL KONVENSIYASI QIYOSIY TAHLILI ............................................ 1559 Saidov Muxammad Ali Hakimovich, Iminoxunov Abduqahhor Abduvohidovich IQTISODIY O‘SISHNING NAZARIY ASOSLARI VA UNI BELGILOVCHI OMILLAR TAHLILI ..........................1563 G‘ulomjan Matkarimov O‘ZBEKISTONDA MUZEY TURIZMINI RIVOJLANTIRISHNING KONSEPTUAL YO‘NALISHLARI ..............1568 Yulduz Urinbayeva DEVELOPMENT OF A METHODOLOGY FOR THE DIGITALIZATION OF TANGIBLE TECHNICAL ASSET INVENTORY IN THE DIGITAL ECONOMY ......................................................................................................... 1573 Izzatilla Pulatov Qudratillayevich THE IMPACT OF NATIONAL ECONOMY COMPETITIVENESS ON ECONOMIC GROWTH ...........................1581 Siddikov Askar Axrorovich, Turapov Siroj Mamadoli o‘g‘li https://yashil-iqtisodiyot-taraqqiyot.uz MUNDARIJA СОДЕРЖАНИЕ CONTENTS 19 YASHIL IQTISODIYOT VA TARAQQIYOT 2025-yil, dekabr. № 12-son. TIJORAT BANKLARI TOMONIDAN AGRAR SEKTORNI MOLIYALASHTIRISH TIZIMI TAKOMILLASHTIRISH YO‘NASHISHLАRI ....................................................................................................................... 1585 Azizov Shuxrat Maxmutovich SUN’IY INTELLEKT TEXNOLOGIYALARINI O‘QITISHGA QARATILGAN LOYIHALARINI MOLIYALASHTIRISH MEXANIZMLARI VA ULARNING SAMARADORLIK TAHLILI .......................................1593 Rapiyev Alisher Parda o‘g‘li, Toshboyev Ikrom O‘ktamovich MINTAQALARNI BARQAROR RIVOJLANTIRISHDA TADBIRKORLIK SALOHIYATI AHAMIYATINING ILMIY-NAZARIY JIHATLARI .................................................................................................................................................. 1597 Madaminov Damir Abduraxmanovich АБСОРБЦИОННАЯ СПОСОБНОСТЬ И ПРОИЗВОДИТЕЛЬНОСТЬ ТРУДА: МЕТОДОЛОГИЧЕСКИЕ ОСНОВЫ МЕЖСТРАНОВОГО АНАЛИЗА ...................................................................................................................... 1602 Султанова Л.Ш. KADRLAR MENEJMENTIDA MOTIVATSIYA TIZIMLARINI TAKOMILLASHTIRISH ....................................... 1607 Latipov Ashur Ali Rustam o‘g‘li, Xakimov Damir Ulug‘bekovich RAQAMLI IQTISODIYOTNING RIVOJLANISHI VA MILLIY IQTISODIY STRATEGIYAGA TA’SIRI ............... 1612 Artikova Shoxida Ilyasovna, Xakimov Damir Ulug‘bekovich “YASHIL” IQTISODIYOT TAMOYILLARI ASOSIDA BARQAROR IQTISODIY O‘SISHNI TA`MINLASH YO‘LLARI ....................................................................................................................................................................................... 1616 Rustamov Narzillo Istamovich KАTTА HАJMDАGI MА’LUMОTLАR (BIG DАTА) ОRQАLI EKОLОGIK VА IQTISОDIY JАRАYОNLАRNI ОPTIMАLLАSHTIRISH .......................................................................................................................... 1621 Mullаjоnоvа Fоtimа Tuychibаyevnа ТОРГОВЫЙ БАЛАНС МЕЖДУ УЗБЕКИСТАНОМ И КИТАЕМ И ЕГО ВЛИЯНИЕ НА ЭКОНОМИКУ: АНАЛИЗ ОТРАСЛЕЙ ПРОМЫШЛЕННОСТИ ............................................................................................................... 1627 He Xiaoqu, Уркинбаев Т. А. РЕЙТИНГОВАЯ ОЦЕНКА ЭКОЛОГИЧЕСКИХ АСПЕКТОВ ДЛЯ ДАЛЬНЕЙШЕГО РАЗВИТИЯ «ЗЕЛЕНОЙ» ЭНЕРГЕТИКИ В УЗБЕКИСТАНЕ ............................................................................................................1632 Тураева Сурия HUDUDLARNI IJTIMOIY-IQTISODIY RIVOJLANTIRISHDA ERKIN IQTISODIY HUDUDLARNING OʻRNI .............................................................................................................................................................................................. 1641 N. Tursunov ВНЕДРЕНИЕ ИНСТРУМЕНТОВ НЕЙРОМАРКЕТИНГА В B2BИ B2C-СЕКТОРАХ ПЛОДООВОЩНОЙ ИНДУСТРИИ ......................................................................................................................................1646 Садий Шукрилло Асатилло угли ЭФФЕКТИВНОСТЬ ВНЕШНЕЭКОНОМИЧЕСКОЙ ПОЛИТИКИ В ПРИВЛЕЧЕНИИ ИНОСТРАННЫХ ИНВЕСТИЦИЙ ....................................................................................................................................... 1653 Qian Xuanhong, Вохидова Мехри MAHALLALARDA TADBIRKORLIKNI RIVOJLANTIRISH — KAMBAG‘ALLIKNI QISQARTIRISHNING MUHIM OMILI SIFATIDA ........................................................................................................................................................ 1659 Xolmuratov Salimbek Eshbekovich DAVLAT QARZLARINI BOSHQARISHNI TAKOMILLASHTIRISH ............................................................................ 1663 Valiyeva Gulxayyo, Samandarova Gulmira YASHIL TURIZMNING MOHIYATI VA UNI TASHKIL ETISHNING NAZARIY ASOSLARI ................................1666 Qurbanbayev Shuhrat Bakberganovich O‘ZBEKISTON RESPUBLIKASI SHAROITIDA ISLOM BANKLARINI RIVOJLANTIRISH YO‘LLARI ............1670 S. Sayfullayev IT LOYIHALARINI BOSHQARISHNING TASHKILIY JIHATLARI ............................................................................. 1675 Mansurova Bibinur Miyirbek Qizi OʻZBEKISTONNING INVESTITSIYA SIYOSATI VA UNI TAKOMILLASHTIRISH YOʻNALISHLARI ..............1679 Babaeva Nargiza Muzafarovna KAMBAGʻALLIKNI QISQARTIRISH DASTURLARINI BAJARILISHIDA MOLIYAVIY SIYOSAT DOIRASIDA MOLIYAVIY DASTAKLARDAN FOYDALANISHDAGI TENDENSIYALAR TAHLILI ................... 1686 Mirzaxalikov Bobir Baxtiyorovich https://yashil-iqtisodiyot-taraqqiyot.uz MUNDARIJA СОДЕРЖАНИЕ CONTENTS 20 YASHIL IQTISODIYOT VA TARAQQIYOT 2025-yil, dekabr. № 12-son. KICHIK SANOAT ZONALARI FAOLIYAT SAMARADORLIGINI OSHIRISH IMKONIYATLARI ....................... 1692 Mullajanov Iskandar Tadjibayevich TURIZM SOHASIDA MARKETING KOMMUNIKATSIYALARI VA KONTENT MARKETINGNING O‘RNI .............................................................................................................................................................................................. 1697 Bozorov Samar Safarovich JANUBIY KOREYADA TIBBIY TURIZMNING SHAKLLANISHI VA RIVOJLANISH TAJRIBASI ......................1702 Azizova Nazira To‘xtayevna MINTAQADA EKOLOGIK XAVFSIZLIKNI TA’MINLASHNING TASHKILIY-IQTISODIY MEXANIZMI TAHLILI ......................................................................................................................................................................................... 1708 Odilov Xamidillo Maxmudjon o‘g‘li “IMPROVEMENT OF ECONOMIC MECHANISMS FOR ENSURING RESOURCE ECONOMY IN THE FIELD OF COTTON GROWING IN THE AGRARIAN SECTOR ................................................................... 1715 Mirzaev Batir, Djumabaeva Nurzada Torebekovna TRANSCHEGARAVIY ELEKTRON TIJORATDA BOJXONA TOʻLOVLARI HISOBI VA AUDITINI TAKOMILLASHTIRISHNING AYRIM MASALALARI .....................................................................................................1719 Makkamov Zokirjon Xusanboyevich TO‘SIQSIZ TURIZMNING XUSUSIYATLARI VA UNI RIVOJLANTIRISH OMILLARI ..........................................1723 Umurzakova D. E. СОЦИАЛЬНО-ЭКОНОМИЧЕСКИЕ И ИНСТИТУЦИОНАЛЬНЫЕ ФАКТОРЫ ФОРМИРОВАНИЯ ОРГАНИЗАЦИОННО-ЭКОНОМИЧЕСКОГО МЕХАНИЗМА РАЗВИТИЯ MICE-ТУРИЗМА В УЗБЕКИСТАНЕ ......................................................................................................................................................................1729 Нарзуллаева Фариза Акмалевна MEVA-SABZAVOTCHILIK TARMOG‘I – MILLIY IQTISODIYOTNING ASOSIY BO‘G‘INI SIFATIDA ............. 1734 Israilova Xikoyat Musakulovna DAVR XARAJATLARI HISOBI VA TAHLILI ....................................................................................................................... 1739 Sh.M. Ergashev KORXONALAR FAOLIYATI SAMARADORLIGINI OSHIRISHDA RAQAMLI TEXNOLOGIYALARDAN FOYDALANISH MEXANIZMLARINI TAKOMILLASHTIRISH ....................................................................................1744 Nosirov Sardor Xolmirzayevich THE ROLE OF DIGITAL CURRENCY IN ATTRACTING INVESTMENT .................................................................. 1750 Malikov Numonjon Kamalovich, Azimov Khumoyun Khamid ugli, Pardayev Khusniddin Jakhongir ugli IQTISODIYOT ЭКОНОМИКА ECONOMY YASHIL IQTISODIYOT VA TARAQQIYOT https://yashil-iqtisodiyot-taraqqiyot.uz 1750 2025-yil, dekabr. № 12-son. THE ROLE OF DIGITAL CURRENCY IN ATTRACTING INVESTMENT Malikov Numonjon Kamalovich UWED, Senior Lecturer, Department of International Finance and Investments [email protected] ORCID: 0000-0002-0172-0195 Abstract. In the context of the digital transformation of the global financial system, digital currencies are emerging as a significant instrument reshaping investment processes. The increasing adoption of digital currencies, including central bank digital currencies (CBDCs) and stablecoins, by central banks and private financial institutions influences crossborder capital flows, national investment attractiveness, and investor confidence. The purpose of this article is to analyze the role of digital currencies in attracting investments and to identify the key mechanisms through which they affect investment decisions. The study examines the theoretical foundations of digital currencies, analyzes international case studies of CBDC implementation and crypto-asset usage, and evaluates regulatory and macroeconomic factors that determine the effectiveness of digital currencies as an investment promotion tool. Particular attention is paid to the reduction of transaction costs, increased transparency of financial operations, and enhanced financial inclusion. The findings suggest that digital currencies can contribute to investment attraction provided that a stable regulatory framework, effective supervision, and macroeconomic stability are ensured. Key words: digital currency, investment, CBDC, stablecoins, financial technologies, investment attractiveness. Annotatsiya. Jahon moliya tizimining raqamlashtirilishi sharoitida raqamli valyutalar investitsiya jarayonlarini transformatsiya qilishda muhim vositaga aylanmoqda. Markaziy banklar va xususiy moliya institutlari tomonidan raqamli valyutalar, jumladan markaziy bank raqamli valyutalari (CBDC) va steyblkoinlarning joriy etilishi kapitalning transchegaraviy harakati, mamlakatlarning investitsiyaviy jozibadorligi hamda investorlar ishonchiga sezilarli ta’sir ko‘rsatmoqda. Ushbu maqolaning maqsadi raqamli valyutalarning investitsiyalarni jalb etishdagi rolini tahlil qilish hamda ularning investitsion qarorlarga ta’sir etuvchi asosiy mexanizmlarini aniqlashdan iborat. Maqolada raqamli valyutalarning nazariy asoslari ko‘rib chiqilib, CBDC joriy etilishi bo‘yicha xalqaro tajribalar va kriptoaktivlardan foydalanish amaliyoti tahlil qilinadi. Shuningdek, raqamli valyutalarning investitsiyalarni rag‘batlantirishdagi samaradorligini belgilovchi tartibga soluvchi va makroiqtisodiy omillar baholanadi. Tadqiqot natijalariga ko‘ra, raqamli valyutalar mustahkam huquqiy baza, samarali nazorat mexanizmlari va makroiqtisodiy barqarorlik mavjud bo‘lgan sharoitda investitsiyalarni jalb etishga xizmat. Kalit soʻzlar: raqamli valyuta, investitsiya, markaziy bank raqamli valyutasi, steyblkoinlar, moliyaviy texnologiyalar, investitsion jozibadorlik. Аннотация. В условиях цифровизации мировой финансовой системы цифровые валюты становятся одним из ключевых инструментов трансформации инвестиционных процессов. Центральные банки и частные финансовые институты активно внедряют цифровые валюты, включая цифровые валюты центральных банков (CBDC) и Azimov Khumoyun Khamid ugli UWED, Master’s Student, Foreign Economic Activity [email protected] ORCID: 0009-0009-81432377 Pardayev Khusniddin Jakhongir ugli UWED, Master’s Student, Foreign Economic Activity [email protected] ORCID: 0009-0007-2257-2105 IQTISODIYOT ЭКОНОМИКА ECONOMY YASHIL IQTISODIYOT VA TARAQQIYOT https://yashil-iqtisodiyot-taraqqiyot.uz 1751 2025-yil, dekabr. № 12-son. стейблкоины, что оказывает влияние на трансграничные потоки капитала, инвестиционную привлекательность государств и уровень доверия со стороны инвесторов. Цель данной статьи заключается в анализе роли цифровых валют в привлечении инвестиций, а также в выявлении основных механизмов их воздействия на инвестиционные решения. В статье рассматриваются теоретические основы цифровых валют, анализируются международные кейсы внедрения CBDC и использования крипто активов, а также оцениваются регуляторные и макроэкономические факторы, определяющие эффективность цифровых валют как инструмента инвестиционного стимулирования. Особое внимание уделяется вопросам снижения транзакционных издержек, повышения прозрачности финансовых операций и расширения финансовой доступности. В результате исследования делается вывод о том, что цифровые валюты могут способствовать привлечению инвестиций при условии наличия устойчивой нормативно-правовой базы, эффективного надзора и макроэкономической стабильности. Ключевые слова: цифровая валюта, инвестиции, CBDC (цифровая валюта центрального банка), стейблкоины, финансовые технологии, инвестиционная привлекательность. INTRODUCTION One of the most obvious signs of technological progress in the last few decades has been the way people, society, and the state deal with money. The rise of digital assets, especially digital currency, which is a new way to make, save, and spend money, is what caused this. The most recent reports say that more than $250 million worth of digital financial assets were issued between September 2022 and July 2023. By 2030, the total value of all the digital financial assets that have been issued will be more than $60 billion. Some countries have also officially launched central bank digital currencies (Pic. 1). These are Nigeria, the Bahamas, and Jamaica. There will be 15 of them by 2030. The IMF says that seven countries, including Russia, India, Kazakhstan, and China, are now in the fourth pilot stage of developing CBDC. The People’s Bank of China (NBK) has done the best. It began looking into the Central Securities Market in 2014, and the first prototype was released in 2016. It was also decided that the digital yuan (e-CNY) should be made and released at some point in the future. As part of a pilot program, almost 20 million Chinese stores accepted digital yuan by March 2023. There were more than 750 million e-CNY transactions in 17 provinces and municipalities of the People’s Republic of China, totaling 900 billion yuan [1]. CBDC could have a big effect on global finance by changing how payments are made, how financial intermediaries work, and how monetary policy is put into action. Because the economy is going digital so quickly and capital is moving across borders more often, it is becoming more important to study what might happen if central securities are put in place. “Digital currency” is a new idea, but it is already a big part of the market that is growing quickly all over the world. So, we think that the authorities need to look at the history of this phenomenon and explain its theoretical basis in order to effectively regulate the digital currencies market and keep the information safe for all the people who use it. Digital currencies are beginning to be regarded as more than mere payment methods; they are increasingly perceived as factors influencing investment levels and the attractiveness of countries to investors. The rules and policies set by the government and other organizations have a big effect on how quickly investment processes grow in the digital economy. The state is important for making sure that the investment climate is good, that new financial products like digital currencies are safe, and that the rules for investments are clear. To understand how digital currencies can get people to invest, we need to look at their economic value, investment potential, and the ways that governments control them. PIC 1. Status of CBDC in countries according to year 2025 IQTISODIYOT ЭКОНОМИКА ECONOMY YASHIL IQTISODIYOT VA TARAQQIYOT https://yashil-iqtisodiyot-taraqqiyot.uz 1752 2025-yil, dekabr. № 12-son. This article seeks to analyze the impact of CBDC on the global financial system, outline possible advantages and disadvantages, and investigate the future evolution of this technology. And mostly about how it affects getting investments LITERATURE REVIEW Recent studies emphasize that digital currencies have become an important factor influencing global investment flows in the context of financial digitalization. Research highlights that the adoption of digital currencies reduces transaction costs, increases payment efficiency, and enhances transparency in financial markets, thereby improving the overall investment climate [1]. These characteristics are particularly relevant for attracting foreign direct investment in emerging and developing economies. A growing body of literature focuses on central bank digital currencies (CBDCs) as a tool for strengthening financial stability and investor confidence. Empirical findings suggest that CBDCs can improve monetary policy transmission, reduce settlement risks, and facilitate cross-border capital movements, which positively affect long-term investment attractiveness [2]. Studies also note that countries with clear CBDC strategies tend to signal institutional reliability to international investors. In parallel, research on stablecoins indicates that their price stability and blockchain-based infrastructure support efficient capital allocation and lower exchange rate risks for investors [3]. Stablecoins are increasingly viewed as intermediate instruments that bridge traditional finance and decentralized financial systems, making them attractive for portfolio diversification and international investment transactions. Several analyses underline the importance of regulatory frameworks in determining the investment impact of digital currencies. Well-designed legal and supervisory mechanisms are found to mitigate risks related to volatility, money laundering, and cybersecurity, thereby fostering investor trust [4]. Conversely, regulatory uncertainty is shown to limit the positive investment effects of digital currency adoption. Finally, macroeconomic-oriented studies argue that the investment benefits of digital currencies depend on broader economic conditions, including financial infrastructure, digital literacy, and institutional quality [5]. Digital currencies are most effective in attracting investment when integrated into a stable macroeconomic environment supported by sound financial governance and technological readiness. RESEARCH METHODOLOGY This study applies a descriptive and analytical approach to examine the role of digital currencies in attracting investment. The analysis is based on a review of international reports, regulatory documents, and recent empirical studies related to digital currencies, including central bank digital currencies (CBDCs) and stablecoins. Comparative analysis is used to assess differences in investment dynamics across countries with varying levels of digital currency adoption. The study also evaluates regulatory and macroeconomic factors influencing the effectiveness of digital currencies in supporting investment decisions. ANALYSIS AND RESULTS Digital assets are things that have value or stand for rights that are made, stored, and moved around online. These kinds of assets can be digital on their own or digital versions of physical assets. The most important questions were how similar the ideas of “digital assets,” “crypto assets,” and “digital currencies” are and what standards they can be grouped by. This study has shown that these asset categories are not only linked to each other, but they also have an effect on each other in terms of function, institutions, and the economy. Some digital assets are not crypto assets. For example, some digital assets are not made with new technologies like blockchains, distributed ledgers, smart contracts, and so on. But crypto assets are one of the most common and important kinds of digital assets. Digital currencies and digital assets may also be the same thing. The latter is true because some crypto assets, like cryptocurrencies and stablecoins, can be traded and used as investments or settlement assets on the crypto market. They can also do some or all of the things that money does in the traditional economy, such as being a way to save, a way to pay, or a way to keep track of things. Also, transactions that involve digital assets. It is possible to do transactions in digital currencies on a platform basis by bringing together the rules for issuing, validating, cryptographic, and software standards and automating the execution of transactions through smart contracts. The central bank’s digital currency is the third type of fiat currency, after cash and non-cash. Fiat currency is money that only exists in electronic form. Researchers and professionals in the field of finance have been paying more and more attention to it in recent years. The blockchain and cryptography technologies that power digital assets like Bitcoin, Ethereum, and central bank digital currencies (CBDCs) are changing the IQTISODIYOT ЭКОНОМИКА ECONOMY YASHIL IQTISODIYOT VA TARAQQIYOT https://yashil-iqtisodiyot-taraqqiyot.uz 1753 2025-yil, dekabr. № 12-son. way traditional financial systems work in a big way. The use of digital currencies in finance affects the global economy in many ways, such as how payments are made, how money is transferred, and how monetary policy is set. These changes are already having a big effect on the current financial system, making things easier and harder for global markets and regulators. At the same time, the main thing that separates digital currencies into two big groups is the subject of issue and control. Based on their unique traits, digital currencies can be split into centralised or decentralised groups, and then into other groups. The two main directions of digital currency development that were talked about above show that this criterion is correct. Figure 2 shows a schematic of how digital currencies are grouped. Pic 2. Classification of Digital Currencies by Issuer and Control Entity How CBDC affects investments through payment systems and cross-border settlements One way that central banks’ digital currencies (CBDCs) affect investment activity is by modernising payment systems and lowering transaction costs. In traditional financial systems, especially when money is IQTISODIYOT ЭКОНОМИКА ECONOMY YASHIL IQTISODIYOT VA TARAQQIYOT https://yashil-iqtisodiyot-taraqqiyot.uz 1754 2025-yil, dekabr. № 12-son. sent across borders, a lot of middlemen are needed to move money, which takes a long time and costs a lot of money. This makes operations more expensive and less efficient at moving capital around, which makes the markets less attractive for investors. CBDCs are a digital version of central bank money that lets people in the payment system settle directly with each other. This cuts down on transaction costs and speeds up financial transactions. Pic 3. The Roles of CBDC in the Payment Market [5] CBDC’s role as a payment platform is very important for competition because it sets the rules for the different economic incentives along the value chain. The rules for the CBDC platform, such as the fees that will be charged and which intermediaries will be able to access the platform and under what conditions they will be able to do so, will have an effect on current pricing structures, business models, and the number of people who can take part in the CBDC ecosystem. A CBDC platform can encourage more competition, lower prices charged by dominant players directly or indirectly, and a more even distribution of value across the system by setting clear and fair rules. CBDC could help fix problems in the payments chain at different levels. For example, it could make competition better at the platform layer by giving people a competing payment platform or at the intermediary layer by making a platform that encourages better competition among intermediaries by making it easier for them to access, requiring interoperability, and setting technological standards, like standardised quick response (QR) codes for payments.With compatible national and regional CBDC platforms, settlements can be carried out in near real time, which reduces currency spreads, reduces the need for correspondent accounts, and increases transparency of transactions. For investors, this means more predictable cash flows, faster capital turnover, and a reduced need for complex mechanisms to hedge currency risks. This effect is especially significant for cross-border investments, where the cost and speed of settlements directly affect the profitability of investment projects [6]. Central bank digital currencies (CBDCs) have a competitive effect on investments through a number of channels that change both the price parameters and the way people participate in the payment market. Four channels through which CBDC affects competition in payment systems are found as part of the analytical approach. The first two channels, price and value, show that there are very competitive margins and are linked to changes in fees, transaction costs, and the quality of payment services. The other two channels— competitiveness and financial access—show that there are wide competition margins, which are caused by intermediaries entering and leaving the market, as well as end users getting involved. These channels show how CBDCs can change the way the payment market works by lowering costs, making things more efficient, increasing competition, and making it easier for everyone to get credit. So, we looked at what digital currency is and how it can change investments. Sadly, we can’t give real numbers right now because almost all of the projects are still in pilot mode, except for three. These three countries have also launched projects relatively recently, which complicates the analysis stage. For example, Nigeria, from launch to December 2021, over 600,000 eNaira wallets have been created and more than thirtyfive thousand transactions have taken place. Currently, 90 percent of transactions are between people and businesses. Based on the level of identity provided, a higher transaction limit for the eNaira is allowed. With a phone number and verified national identity, users can make payments of up to 50,000 Naira ($121) a day, rising to 200,000 ($484) for the lower level of bank-approved account.