XORIJIY AMALIYOTDA KICHIK BIZNES SUBYEKTLARI MOLIYAVIY RAQOBATBARDOSHLIGINI RIVOJLANTIRISHNING INTEGRATSIYALASHGAN INSTITUTSIONAL YONDASHUVLARI

Vaisov Dilshod Ibodullayevich

 Ilmiy tadqiqotchi

Ma’mun universiteti,

E-mail: vaisov_dilshod@mamunedu.uz

ORCID: https://orcid.org/0009-0001-6293-1498

Annotatsiya: Mazkur maqolada xorijiy amaliyot asosida kichik biznes subyektlari moliyaviy raqobatbardoshligini rivojlantirishning integratsiyalashgan institutsional yondashuvi tadqiq etilgan. Xorijiy tajribalar qiyosiy tahlil qilinib, ularni O‘zbekiston sharoitiga adaptatsiya qilishning ustuvor yo‘nalishlari va bosqichma-bosqich institutsional mexanizmi ishlab chiqilgan.

Kalit so‘zlar: kichik biznes, moliyaviy raqobatbardoshlik, institutsional yondashuv, moliyaviy integratsiya, innovatsion infratuzilma, raqamli transformatsiya, FinTech, xalqaro tajriba, adaptatsiya mexanizmi, institutsional rivojlanish, global integratsiya, O‘zbekiston.

ИНТЕГРИРОВАННЫЕ ИНСТИТУЦИОНАЛЬНЫЕ ПОДХОДЫ К РАЗВИТИЮ ФИНАНСОВОЙ КОНКУРЕНТОСПОСОБНОСТИ СУБЪЕКТОВ МАЛОГО БИЗНЕСА В ЗАРУБЕЖНОЙ ПРАКТИКЕ

Ваисов Дилшод Ибодуллаевич

Научный исследователь
Университет «Маъмун»
E-mail: vaisov_dilshod@mamunedu.uz
ORCID: https://orcid.org/0009-0001-6293-1498

Аннотация: В данной статье исследуется интегрированный институциональный подход к развитию финансовой конкурентоспособности субъектов малого бизнеса на основе зарубежной практики. Проведен сравнительный анализ зарубежного опыта, разработаны приоритетные направления и поэтапный институциональный механизм их адаптации к условиям Узбекистана.

Ключевые слова: малый бизнес, финансовая конкурентоспособность, институциональный подход, финансовая интеграция, инновационная инфраструктура, цифровая трансформация, FinTech, международный опыт, механизм адаптации, институциональное развитие, глобальная интеграция, Узбекистан.

INTEGRATED INSTITUTIONAL APPROACHES TO ENHANCING THE FINANCIAL COMPETITIVENESS OF SMALL BUSINESS ENTITIES: EVIDENCE FROM INTERNATIONAL PRACTICE

Vaisov Dilshod Ibodullayevich

Researcher
Ma’mun University
E-mail: vaisov_dilshod@mamunedu.uz
ORCID: https://orcid.org/0009-0001-6293-1498

Abstract: This article examines an integrated institutional approach to developing the financial competitiveness of small business entities based on foreign experience. A comparative analysis of foreign experience was conducted, and priority directions and a phased institutional mechanism for their adaptation to the conditions of Uzbekistan were developed.

Keywords: small business, financial competitiveness, institutional approach, financial integration, innovative infrastructure, digital transformation, FinTech, international experience, adaptation mechanism, institutional development, global integration, Uzbekistan.

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