{"id":1769,"date":"2026-06-25T23:12:51","date_gmt":"2026-06-25T18:12:51","guid":{"rendered":"https:\/\/fintech.tsue.uz\/?p=1769"},"modified":"2026-06-25T23:12:52","modified_gmt":"2026-06-25T18:12:52","slug":"kichik-biznes-tizimlarining-iqtisodiy-mohiyati-va-ularni-modellashtirish-boyicha-zamonaviy-xorij-tajribasi","status":"publish","type":"post","link":"https:\/\/fintech.tsue.uz\/?p=1769","title":{"rendered":"KICHIK BIZNES TIZIMLARINING IQTISODIY MOHIYATI VA ULARNI MODELLASHTIRISH BO\u2018YICHA ZAMONAVIY XORIJ TAJRIBASI"},"content":{"rendered":"\n<p><strong>Atamuratova Gulrux Muzafarovna<\/strong><\/p>\n\n\n\n<p><em>Termiz davlat universiteti <\/em><em><\/em><\/p>\n\n\n\n<p><em>mustaqil tadqiqotchi<br>email:<\/em><a href=\"mailto:gul.ruh@mail.ru\"><em>gul.ruh@mail.ru<\/em><\/a><\/p>\n\n\n\n<p><em>\u00a0<\/em><a href=\"https:\/\/orcid.org\/0000-0002-1166-6030\" target=\"_blank\" rel=\"noreferrer noopener\"><em>ORCID:0000-0002-1166-6030<\/em><\/a><\/p>\n\n\n\n<p><strong><em>Annotatsiya:<\/em><\/strong><em> Ushbu maqolada kichik biznes tizimlarining iqtisodiy mohiyati va ularni modellashtirish bo\u2018yicha zamonaviy xorijiy tajribalar tahlil qilingan. AQSh, Germaniya, Yaponiya, Janubiy Koreya, Xitoy va Turkiya tajribalari asosida kichik biznesni rivojlantirishning institutsional mexanizmlari, innovatsion yondashuvlari va davlat qo\u2018llab-quvvatlash tizimlari o\u2018rganilgan. <\/em><em>Tadqiqot natijasida O\u2018zbekiston sharoitida qo\u2018llash mumkin bo\u2018lgan samarali mexanizmlar aniqlangan.<\/em><em><\/em><\/p>\n\n\n\n<p><strong><em>Kalit so\u2018zlar:<\/em><\/strong><em> kichik biznes, tadbirkorlik, xorijiy tajriba, modellashtirish, innovatsiya, institutsional mexanizm, iqtisodiy rivojlanish, eksport, bandlik.<\/em><\/p>\n\n\n\n<p><strong>\u0421\u041e\u0412\u0420\u0415\u041c\u0415\u041d\u041d\u042b\u0419 \u0417\u0410\u0420\u0423\u0411\u0415\u0416\u041d\u042b\u0419 \u041e\u041f\u042b\u0422 \u0412 \u0418\u0417\u0423\u0427\u0415\u041d\u0418\u0418 \u042d\u041a\u041e\u041d\u041e\u041c\u0418\u0427\u0415\u0421\u041a\u041e\u0419 \u0421\u0423\u0429\u041d\u041e\u0421\u0422\u0418 \u0421\u0418\u0421\u0422\u0415\u041c \u041c\u0410\u041b\u041e\u0413\u041e \u0411\u0418\u0417\u041d\u0415\u0421\u0410 \u0418 \u0418\u0425 \u041c\u041e\u0414\u0415\u041b\u0418\u0420\u041e\u0412\u0410\u041d\u0418\u042f<\/strong><\/p>\n\n\n\n<p><strong>\u0410\u0442\u0430\u043c\u0443\u0440\u0430\u0442\u043e\u0432\u0430 \u0413\u0443\u043b\u0440\u0443\u0445 \u041c\u0443\u0437\u0430\u0444\u0430\u0440\u043e\u0432\u043d\u0430<\/strong><\/p>\n\n\n\n<p><em>\u041d\u0435\u0437\u0430\u0432\u0438\u0441\u0438\u043c\u044b\u0439 \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u0442\u0435\u043b\u044c \u0438\u0437<\/em><\/p>\n\n\n\n<p><em>\u0413\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0433\u043e \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442\u0430 \u0422\u0435\u0440\u043c\u0435\u0437\u0430.<\/em><\/p>\n\n\n\n<p><em>\u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u0430\u044f \u043f\u043e\u0447\u0442\u0430: <\/em><a href=\"mailto:gul.ruh@mail.ru\"><em>gul<\/em><em>.<\/em><em>ruh<\/em><em>@<\/em><em>mail<\/em><em>.<\/em><em>ru<\/em><\/a><strong><em><\/em><\/strong><\/p>\n\n\n\n<p><em>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/em><a href=\"https:\/\/orcid.org\/0000-0002-1166-6030\" target=\"_blank\" rel=\"noreferrer noopener\"><em>ORCID<\/em><em>:0000-0002-1166-6030<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><strong><em>\u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f:<\/em><\/strong><em> \u0412 \u0434\u0430\u043d\u043d\u043e\u0439 \u0441\u0442\u0430\u0442\u044c\u0435 \u0438\u0441\u0441\u043b\u0435\u0434\u0443\u044e\u0442\u0441\u044f \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u0441\u0443\u0449\u043d\u043e\u0441\u0442\u044c \u0441\u0438\u0441\u0442\u0435\u043c \u043c\u0430\u043b\u043e\u0433\u043e \u0431\u0438\u0437\u043d\u0435\u0441\u0430 \u0438 \u0441\u043e\u0432\u0440\u0435\u043c\u0435\u043d\u043d\u044b\u0435 \u0437\u0430\u0440\u0443\u0431\u0435\u0436\u043d\u044b\u0435 \u043f\u043e\u0434\u0445\u043e\u0434\u044b \u043a \u0438\u0445 \u043c\u043e\u0434\u0435\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044e. \u041d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u043e\u043f\u044b\u0442\u0430 \u0421\u0428\u0410, \u0413\u0435\u0440\u043c\u0430\u043d\u0438\u0438, \u042f\u043f\u043e\u043d\u0438\u0438, \u042e\u0436\u043d\u043e\u0439 \u041a\u043e\u0440\u0435\u0438, \u041a\u0438\u0442\u0430\u044f \u0438 \u0422\u0443\u0440\u0446\u0438\u0438 \u043f\u0440\u043e\u0430\u043d\u0430\u043b\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u044b \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0435 \u043c\u0435\u0445\u0430\u043d\u0438\u0437\u043c\u044b \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u044f \u043c\u0430\u043b\u043e\u0433\u043e \u0431\u0438\u0437\u043d\u0435\u0441\u0430, \u0438\u043d\u043d\u043e\u0432\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0435 \u043f\u043e\u0434\u0445\u043e\u0434\u044b \u0438 \u0441\u0438\u0441\u0442\u0435\u043c\u044b \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0439 \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u0438. \u0412 \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442\u0435 \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u044f \u043e\u043f\u0440\u0435\u0434\u0435\u043b\u0435\u043d\u044b \u044d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u044b\u0435 \u043c\u0435\u0445\u0430\u043d\u0438\u0437\u043c\u044b, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043c\u043e\u0433\u0443\u0442 \u0431\u044b\u0442\u044c \u0430\u0434\u0430\u043f\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u044b \u043a \u0443\u0441\u043b\u043e\u0432\u0438\u044f\u043c \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d\u0430.<\/em><\/p>\n\n\n\n<p><strong><em>\u041a\u043b\u044e\u0447\u0435\u0432\u044b\u0435 \u0441\u043b\u043e\u0432\u0430:<\/em><\/strong><em> \u043c\u0430\u043b\u044b\u0439 \u0431\u0438\u0437\u043d\u0435\u0441, \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u043d\u0438\u043c\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u043e, \u0437\u0430\u0440\u0443\u0431\u0435\u0436\u043d\u044b\u0439 \u043e\u043f\u044b\u0442, \u043c\u043e\u0434\u0435\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435, \u0438\u043d\u043d\u043e\u0432\u0430\u0446\u0438\u0438, \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0439 \u043c\u0435\u0445\u0430\u043d\u0438\u0437\u043c, \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u043e\u0435 \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u0435, \u044d\u043a\u0441\u043f\u043e\u0440\u0442, \u0437\u0430\u043d\u044f\u0442\u043e\u0441\u0442\u044c.<\/em><\/p>\n\n\n\n<p><strong>MODERN FOREIGN EXPERIENCE ON THE ECONOMIC ESSENCE OF SMALL BUSINESS SYSTEMS AND THEIR MODELING<\/strong><\/p>\n\n\n\n<p><strong>Atamuratova Gulrukh Muzafarovna<\/strong><\/p>\n\n\n\n<p><em>Independent researcher at <\/em><em><\/em><\/p>\n\n\n\n<p><em>Termez State University<\/em><\/p>\n\n\n\n<p><em>e-mail: <\/em><a href=\"mailto:gul.ruh@mail.ru\"><em>gul.ruh@mail.ru<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><em>\u00a0<\/em><a href=\"https:\/\/orcid.org\/0000-0002-1166-6030\" target=\"_blank\" rel=\"noreferrer noopener\"><em>ORCID:0000-0002-1166-6030<\/em><\/a><\/p>\n\n\n\n<p><strong><em>Annotation:<\/em><\/strong><em>This article examines the economic essence of small business systems and modern foreign approaches to their modeling. Based on the experience of the United States, Germany, Japan, South Korea, China, and Turkey, institutional mechanisms, innovative approaches, and government support systems for small business development are analyzed. The study identifies effective mechanisms that can be adapted to the economic conditions of Uzbekistan.<br><strong>Keywords:<\/strong> small business, entrepreneurship, foreign experience, modeling, innovation, institutional mechanism, economic development, export, employment.<\/em><\/p>\n\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/06\/59.-Atamuratova-Gulrux-Muzafarovna-Kichik-biznes-tizimlarining-iqtisodiy-mohiyati-va-ularni-modellashtirish-bo\u2018yicha-zamonaviy-xorij-tajribasi.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of 59. Atamuratova Gulrux Muzafarovna - Kichik biznes tizimlarining iqtisodiy mohiyati va ularni modellashtirish bo\u2018yicha zamonaviy xorij tajribasi.\"><\/object><a id=\"wp-block-file--media-a9114c5a-d897-4f22-bc71-d6b42c3464f0\" href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/06\/59.-Atamuratova-Gulrux-Muzafarovna-Kichik-biznes-tizimlarining-iqtisodiy-mohiyati-va-ularni-modellashtirish-bo\u2018yicha-zamonaviy-xorij-tajribasi.pdf\">59. Atamuratova Gulrux Muzafarovna &#8211; Kichik biznes tizimlarining iqtisodiy mohiyati va ularni modellashtirish bo\u2018yicha zamonaviy xorij tajribasi<\/a><a href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/06\/59.-Atamuratova-Gulrux-Muzafarovna-Kichik-biznes-tizimlarining-iqtisodiy-mohiyati-va-ularni-modellashtirish-bo\u2018yicha-zamonaviy-xorij-tajribasi.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-a9114c5a-d897-4f22-bc71-d6b42c3464f0\">Download<\/a><\/div>\n\n\n\n<p><strong>Foydalanilgan adabiyotlar<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>World Bank. <em>Small and Medium Enterprises (SMEs) Finance: Improving SMEs\u2019 Access to Finance and Finding Innovative Solutions to Unlock Sources of Capital<\/em>. Washington, DC, 2024.<\/li>\n\n\n\n<li>OECD. <em>Financing SMEs and Entrepreneurs 2024: An OECD Scoreboard<\/em>. Paris: OECD Publishing, 2024.<\/li>\n\n\n\n<li>Zoltan J. Acs, Laszlo Szerb. <em>The Digital Entrepreneurial Ecosystem and Economic Growth<\/em>. Journal of Business Research, 2023.<\/li>\n\n\n\n<li>David B. Audretsch, Maksim Belitski. <em>Innovation, Entrepreneurship and Economic Development<\/em>. Small Business Economics, 2024.<\/li>\n\n\n\n<li>Jacques Bughin et al. <em>Artificial Intelligence and Data Analytics for SME Development<\/em>. McKinsey Global Institute Report, 2023.<\/li>\n\n\n\n<li>World Bank. <em>Business Ready Report 2024<\/em>. Washington, DC, 2024.<\/li>\n\n\n\n<li>Paul Muller et al. <em>Annual Report on European SMEs 2023\/2024<\/em>. European Commission, Brussels, 2024.<\/li>\n\n\n\n<li>Asian Development Bank. <em>Asian SME Monitor 2024: Digital Transformation and SME Growth<\/em>. Manila, 2024.<\/li>\n\n\n\n<li>UNCTAD. <em>Digital Economy Report 2024: Shaping an Inclusive Digital Future<\/em>. Geneva, 2024.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>Atamuratova Gulrux Muzafarovna Termiz davlat universiteti mustaqil tadqiqotchiemail:gul.ruh@mail.ru \u00a0ORCID:0000-0002-1166-6030 Annotatsiya: Ushbu maqolada kichik biznes tizimlarining iqtisodiy mohiyati va ularni modellashtirish bo\u2018yicha zamonaviy xorijiy tajribalar tahlil qilingan. AQSh, Germaniya, Yaponiya, Janubiy Koreya, Xitoy va&#46;&#46;&#46;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-1769","post","type-post","status-publish","format-standard","hentry","category-2026-yil-3-son"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>KICHIK BIZNES TIZIMLARINING IQTISODIY MOHIYATI VA ULARNI MODELLASHTIRISH BO\u2018YICHA ZAMONAVIY XORIJ TAJRIBASI - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fintech.tsue.uz\/?p=1769\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"KICHIK BIZNES TIZIMLARINING IQTISODIY MOHIYATI VA ULARNI MODELLASHTIRISH BO\u2018YICHA ZAMONAVIY XORIJ TAJRIBASI - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali\" \/>\n<meta property=\"og:description\" content=\"Atamuratova Gulrux Muzafarovna Termiz davlat universiteti mustaqil tadqiqotchiemail:gul.ruh@mail.ru \u00a0ORCID:0000-0002-1166-6030 Annotatsiya: Ushbu maqolada kichik biznes tizimlarining iqtisodiy mohiyati va ularni modellashtirish bo\u2018yicha zamonaviy xorijiy tajribalar tahlil qilingan. 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