{"id":1995,"date":"2026-08-10T18:24:38","date_gmt":"2026-08-10T13:24:38","guid":{"rendered":"https:\/\/fintech.tsue.uz\/?p=1995"},"modified":"2026-08-10T18:24:57","modified_gmt":"2026-08-10T13:24:57","slug":"%d0%b8%d1%88%d0%bb%d0%b0%d0%b1-%d1%87%d0%b8%d2%9b%d0%b0%d1%80%d0%b8%d1%88-%d1%85%d0%b0%d1%80%d0%b0%d0%b6%d0%b0%d1%82%d0%bb%d0%b0%d1%80%d0%b8%d0%bd%d0%b8%d0%bd%d0%b3-%d0%ba%d0%be%d1%80%d1%85%d0%be","status":"publish","type":"post","link":"https:\/\/fintech.tsue.uz\/?p=1995","title":{"rendered":"\u0418\u0428\u041b\u0410\u0411 \u0427\u0418\u049a\u0410\u0420\u0418\u0428 \u0425\u0410\u0420\u0410\u0416\u0410\u0422\u041b\u0410\u0420\u0418\u041d\u0418\u041d\u0413 \u041a\u041e\u0420\u0425\u041e\u041d\u0410\u041b\u0410\u0420 \u041c\u041e\u041b\u0418\u042f\u0412\u0418\u0419 \u04b2\u041e\u041b\u0410\u0422\u0418\u0413\u0410 \u0422\u0410\u042a\u0421\u0418\u0420\u0418"},"content":{"rendered":"\n<p><strong>\u0421\u0430\u0442\u0442\u0430\u0440\u043e\u0432 \u0422\u0443\u043b\u043a\u0438\u043d \u0410\u0431\u0434\u0438\u0445\u0430\u043b\u0438\u043b\u043e\u0432\u0438\u0447<\/strong><\/p>\n\n\n\n<p><em>\u0421\u0430\u043c\u0430\u0440\u049b\u0430\u043d\u0434 \u0438\u049b\u0442\u0438\u0441\u043e\u0434\u0438\u0451\u0442 \u0432\u0430 \u0441\u0435\u0440\u0432\u0438\u0441 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442\u0438<\/em><em><br><\/em><em>\u0438\u049b\u0442\u0438\u0441\u043e\u0434\u0438\u0451\u0442 \u0444\u0430\u043d\u043b\u0430\u0440\u0438 \u0431\u045e\u0439\u0438\u0447\u0430 \u0444\u0430\u043b\u0441\u0430\u0444\u0430 \u0434\u043e\u043a\u0442\u043e\u0440\u0438 (PhD),<\/em><\/p>\n\n\n\n<p><em>ORCID: 0009-0001-3779-4508,<\/em><\/p>\n\n\n\n<p><em>E<\/em><em>&#8211;<\/em><em>mail: <\/em><em><a href=\"mailto:sattarovozfdtek@gmail.com\">sattarovozfdtek@gmail.com<\/a><\/em><em><\/em><\/p>\n\n\n\n<p><strong><em>\u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f: <\/em><\/strong><em>\u041c\u0430\u0437\u043a\u0443\u0440 \u043c\u0430\u049b\u043e\u043b\u0430\u0434\u0430 \u043a\u043e\u0440\u0445\u043e\u043d\u0430\u043b\u0430\u0440\u043d\u0438\u043d\u0433 \u043c\u043e\u043b\u0438\u044f\u0432\u0438\u0439 \u04b3\u043e\u043b\u0430\u0442\u0438\u0433\u0430 \u0442\u0430\u044a\u0441\u0438\u0440 \u044d\u0442\u0443\u0432\u0447\u0438 \u0430\u043d\u044a\u0430\u043d\u0430\u0432\u0438\u0439 \u043e\u043c\u0438\u043b\u043b\u0430\u0440 \u043c\u0430\u0437\u043c\u0443\u043d\u0438 \u0442\u0430\u0434\u049b\u0438\u049b \u044d\u0442\u0438\u043b\u0433\u0430\u043d. \u041c\u0430\u049b\u043e\u043b\u0430 \u043c\u0430\u0442\u043d\u0438\u0434\u0430 \u0430\u0439\u0440\u0438\u043c \u043c\u0443\u04b3\u0438\u043c \u043a\u045e\u0440\u0441\u0430\u0442\u043a\u0438\u0447\u043b\u0430\u0440\u043d\u0438\u043d\u0433 \u043c\u0430\u0437\u043c\u0443\u043d\u0438 \u045e\u0440\u0433\u0430\u043d\u0438\u043b\u0433\u0430\u043d \u0431\u045e\u043b\u0438\u0431, \u0443\u043b\u0430\u0440\u043d\u0438\u043d\u0433 \u043c\u0438\u049b\u0434\u043e\u0440\u0438 \u0431\u0435\u0432\u043e\u0441\u0438\u0442\u0430 \u043a\u043e\u0440\u0445\u043e\u043d\u0430\u043b\u0430\u0440\u043d\u0438\u043d\u0433 \u043c\u043e\u043b\u0438\u044f\u0432\u0438\u0439 \u0431\u0430\u0440\u049b\u0430\u0440\u043e\u0440\u043b\u0438\u0433\u0438\u0433\u0430 \u0442\u0430\u044a\u0441\u0438\u0440 \u049b\u0438\u043b\u0430\u0434\u0438. \u041c\u0430\u049b\u043e\u043b\u0430\u0434\u0430 \u043a\u043e\u0440\u0445\u043e\u043d\u0430\u043d\u0438\u043d\u0433 \u0444\u0430\u043e\u043b\u0438\u044f\u0442\u0438 \u04b3\u043e\u043b\u0430\u0442\u0438\u0433\u0430 \u0436\u0438\u0434\u0434\u0438\u0439 \u0442\u0430\u044a\u0441\u0438\u0440 \u044d\u0442\u0438\u0448\u0438 \u043c\u0443\u043c\u043a\u0438\u043d \u0431\u045e\u043b\u0433\u0430\u043d \u04b3\u0430\u0440 \u0431\u0438\u0440 \u043a\u045e\u0440\u0441\u0442\u043a\u0438\u0447\u043b\u0430\u0440\u0433\u0430 \u0442\u0430\u04b3\u043b\u0438\u043b\u0438\u0439 \u0431\u0430\u04b3\u043e \u0431\u0435\u0440\u0438\u043b\u0433\u0430\u043d. \u041c\u0430\u049b\u043e\u043b\u0430\u0434\u0430 \u043a\u043e\u0440\u0445\u043e\u043d\u0430\u043d\u0438\u043d\u0433 \u0437\u0430\u0440\u0430\u0440 \u0431\u0438\u043b\u0430\u043d \u0444\u0430\u043e\u043b\u0438\u044f\u0442 \u043a\u045e\u0440\u0441\u0430\u0442\u0438\u0448\u0438 \u0451\u043a\u0438 \u0444\u0430\u043e\u043b\u0438\u044f\u0442\u0438 \u0441\u0430\u043c\u0430\u0440\u0430\u0434\u043e\u0440\u043b\u0438\u0433\u0438\u0433\u0430 \u0431\u0430\u04b3\u043e \u0431\u0435\u0440\u0438\u0448\u043d\u0438\u043d\u0433 \u0430\u043d\u0438\u049b \u0443\u0441\u0443\u043b\u043b\u0430\u0440\u0438, \u0448\u0443\u043d\u0438\u043d\u0433\u0434\u0435\u043a \u043a\u043e\u0440\u0445\u043e\u043d\u0430\u043d\u0438\u043d\u0433 \u043c\u043e\u043b\u0438\u044f\u0432\u0438\u0439 \u043a\u0449\u0440\u0441\u0430\u0442\u043a\u0438\u0447\u043b\u0430\u0440\u0438\u0433\u0430 \u043c\u0443\u0432\u043e\u0444\u0438\u049b \u043a\u0435\u043b\u0433\u0443\u0441\u0438 \u0434\u0430\u0432\u0440\u043b\u0430\u0440 \u0443\u0447\u0443\u043d \u0430\u043d\u0438\u049b \u0439\u045e\u043d\u0430\u043b\u0438\u0448\u043b\u0430\u0440\u0438 \u043a\u0435\u043b\u0442\u0438\u0440\u0438\u043b\u043c\u043e\u049b\u0434\u0430.<\/em><\/p>\n\n\n\n<p><strong><em>\u041a<\/em><\/strong><strong><em>\u0430\u043b\u0438\u0442 \u0441\u045e\u0437\u043b\u0430\u0440<\/em><\/strong><strong><em>: <\/em><\/strong><em>\u043c\u043e\u043b\u0438\u044f\u0432\u0438\u0439 \u04b3\u043e\u043b\u0430\u0442\u0438<\/em><em>, <\/em><em>\u0437\u0430\u0440\u0430\u0440<\/em><em>, <\/em><em>\u0434\u0430\u0440\u043e\u043c\u0430\u0434<\/em><em>, <\/em><em>\u0444\u043e\u0439\u0434\u0430<\/em><em>, \u043c\u0430\u0440\u0436\u0438\u043d\u0430\u043b<\/em><em> \u0434\u0430\u0440\u043e\u043c\u0430\u0434<\/em><em>, <\/em><em>\u0434\u043e\u0438\u043c\u0438\u0439 \u0432\u0430 \u0442\u045e\u0493\u0440\u0438 \u0445\u0430\u0440\u0430\u0436\u0430\u0442\u043b\u0430\u0440<\/em><em>, <\/em><em>\u0445\u0430\u0440\u0430\u0436\u0430\u0442\u043b\u0430\u0440<\/em><em>, <\/em><em>\u0430\u0440\u0430\u043b\u0430\u0448 \u0445\u0430\u0440\u0430\u0436\u0430\u0442\u043b\u0430\u0440<\/em><em>.<\/em><\/p>\n\n\n\n<p><strong>THE IMPACT OF PRODUCTION COSTS ON THE FINANCIAL CONDITION OF ENTERPRISES<\/strong><strong><\/strong><\/p>\n\n\n\n<p><strong>Sattarov Tulkin Abdikhalilovich<\/strong><\/p>\n\n\n\n<p><em>Samarkand Institute of Economics and Service<\/em><\/p>\n\n\n\n<p><em>doctor of philosophy (PhD) in economic sciences,<\/em><\/p>\n\n\n\n<p><em>ORCID: 0009-0001-3779-4508,<\/em><\/p>\n\n\n\n<p><em>E<\/em><em>&#8211;<\/em><em>mail: sattarovozfdtek@gmail.com<\/em><\/p>\n\n\n\n<p><strong><em>Abstract: <\/em><\/strong><em>This article examines the content of traditional factors affecting the financial condition of enterprises. The content of some important indicators is studied in the article, and their magnitude directly affects the financial stability of enterprises. An analytical assessment is provided for each indicator that may seriously impact the state of the enterprise\u2019s activities. The article presents precise methods for assessing whether the enterprise is operating at a loss or evaluating the efficiency of its activities, as well as specific directions for future periods in accordance with the enterprise\u2019s financial indicators.<\/em><\/p>\n\n\n\n<p><strong><em>Keywords: <\/em><\/strong><em>financial condition, loss, income, profit, marginal income, fixed and direct costs, costs, mixed costs.<\/em><\/p>\n\n\n\n<p><strong>\u0412\u041b\u0418\u042f\u041d\u0418\u0415 \u041f\u0420\u041e\u0418\u0417\u0412\u041e\u0414\u0421\u0422\u0412\u0415\u041d\u041d\u042b\u0425 \u0417\u0410\u0422\u0420\u0410\u0422 \u041d\u0410 \u0424\u0418\u041d\u0410\u041d\u0421\u041e\u0412\u041e\u0415 \u0421\u041e\u0421\u0422\u041e\u042f\u041d\u0418\u0415 \u041f\u0420\u0415\u0414\u041f\u0420\u0418\u042f\u0422\u0418\u0419<\/strong><\/p>\n\n\n\n<p><strong>\u0421\u0430\u0442\u0442\u0430\u0440\u043e\u0432 \u0422\u0443\u043b\u043a\u0438\u043d \u0410\u0431\u0434\u0438\u0445\u0430\u043b\u0438\u043b\u043e\u0432\u0438\u0447<\/strong><strong><\/strong><\/p>\n\n\n\n<p><em>\u0421\u0430\u043c\u0430\u0440\u043a\u0430\u043d\u0434\u0441\u043a\u0438\u0439 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0438 \u0438 \u0441\u0435\u0440\u0432\u0438\u0441\u0430<\/em><\/p>\n\n\n\n<p><em>\u0434\u043e\u043a\u0442\u043e\u0440 \u0444\u0438\u043b\u043e\u0441\u043e\u0444\u0438\u0438 (PhD) \u043f\u043e \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u043c \u043d\u0430\u0443\u043a\u0430\u043c,<\/em><\/p>\n\n\n\n<p><em>ORCID: 0009-0001-3779-4508,<\/em><\/p>\n\n\n\n<p><em>\u042d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u0430\u044f \u043f\u043e\u0447\u0442\u0430: sattarovozfdtek@gmail.com<\/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\u043e\u0432\u0430\u043d\u043e \u0441\u043e\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u0435 \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u0445 \u0444\u0430\u043a\u0442\u043e\u0440\u043e\u0432, \u0432\u043b\u0438\u044f\u044e\u0449\u0438\u0445 \u043d\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0435 \u0441\u043e\u0441\u0442\u043e\u044f\u043d\u0438\u0435 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u0439. \u0412 \u0442\u0435\u043a\u0441\u0442\u0435 \u0441\u0442\u0430\u0442\u044c\u0438 \u0438\u0437\u0443\u0447\u0435\u043d\u043e \u0441\u043e\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u0435 \u043d\u0435\u043a\u043e\u0442\u043e\u0440\u044b\u0445 \u0432\u0430\u0436\u043d\u044b\u0445 \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u0435\u0439, \u0440\u0430\u0437\u043c\u0435\u0440 \u043a\u043e\u0442\u043e\u0440\u044b\u0445 \u043d\u0430\u043f\u0440\u044f\u043c\u0443\u044e \u0432\u043b\u0438\u044f\u0435\u0442 \u043d\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0443\u044e \u0443\u0441\u0442\u043e\u0439\u0447\u0438\u0432\u043e\u0441\u0442\u044c \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u0439. \u0412 \u0441\u0442\u0430\u0442\u044c\u0435 \u0434\u0430\u043d\u0430 \u0430\u043d\u0430\u043b\u0438\u0442\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u043e\u0446\u0435\u043d\u043a\u0430 \u043a\u0430\u0436\u0434\u043e\u043c\u0443 \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u044e, \u043a\u043e\u0442\u043e\u0440\u044b\u0439 \u043c\u043e\u0436\u0435\u0442 \u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u043e \u043f\u043e\u0432\u043b\u0438\u044f\u0442\u044c \u043d\u0430 \u0441\u043e\u0441\u0442\u043e\u044f\u043d\u0438\u0435 \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u044f. \u0412 \u0441\u0442\u0430\u0442\u044c\u0435 \u043f\u0440\u0438\u0432\u043e\u0434\u044f\u0442\u0441\u044f \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u044b\u0435 \u043c\u0435\u0442\u043e\u0434\u044b \u043e\u0446\u0435\u043d\u043a\u0438 \u0443\u0431\u044b\u0442\u043e\u0447\u043d\u043e\u0441\u0442\u0438 \u0438\u043b\u0438 \u044d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u0438 \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u044f, \u0430 \u0442\u0430\u043a\u0436\u0435 \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u044b\u0435 \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u044b \u043d\u0430 \u0431\u0443\u0434\u0443\u0449\u0438\u0435 \u043f\u0435\u0440\u0438\u043e\u0434\u044b \u0432 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u0438 \u0441 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u043c\u0438 \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u044f\u043c\u0438 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u044f.<\/em><em><\/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> \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0435 \u0441\u043e\u0441\u0442\u043e\u044f\u043d\u0438\u0435, \u0443\u0431\u044b\u0442\u043e\u043a, \u0434\u043e\u0445\u043e\u0434, \u043f\u0440\u0438\u0431\u044b\u043b\u044c, \u043f\u0440\u0435\u0434\u0435\u043b\u044c\u043d\u044b\u0439 \u0434\u043e\u0445\u043e\u0434, \u043f\u043e\u0441\u0442\u043e\u044f\u043d\u043d\u044b\u0435 \u0438 \u043f\u0440\u044f\u043c\u044b\u0435 \u0440\u0430\u0441\u0445\u043e\u0434\u044b, \u0440\u0430\u0441\u0445\u043e\u0434\u044b, \u0441\u043c\u0435\u0448\u0430\u043d\u043d\u044b\u0435 \u0440\u0430\u0441\u0445\u043e\u0434\u044b.<\/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\/08\/14.-\u0421\u0430\u0442\u0442\u0430\u0440\u043e\u0432-\u0422\u0443\u043b\u043a\u0438\u043d-\u0410\u0431\u0434\u0438\u0445\u0430\u043b\u0438\u043b\u043e\u0432\u0438\u0447.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of 14. \u0421\u0430\u0442\u0442\u0430\u0440\u043e\u0432 \u0422\u0443\u043b\u043a\u0438\u043d \u0410\u0431\u0434\u0438\u0445\u0430\u043b\u0438\u043b\u043e\u0432\u0438\u0447.\"><\/object><a id=\"wp-block-file--media-001aec6e-d0a9-4e4f-b43d-0042873fcbed\" href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/08\/14.-\u0421\u0430\u0442\u0442\u0430\u0440\u043e\u0432-\u0422\u0443\u043b\u043a\u0438\u043d-\u0410\u0431\u0434\u0438\u0445\u0430\u043b\u0438\u043b\u043e\u0432\u0438\u0447.pdf\">14. \u0421\u0430\u0442\u0442\u0430\u0440\u043e\u0432 \u0422\u0443\u043b\u043a\u0438\u043d \u0410\u0431\u0434\u0438\u0445\u0430\u043b\u0438\u043b\u043e\u0432\u0438\u0447<\/a><a href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/08\/14.-\u0421\u0430\u0442\u0442\u0430\u0440\u043e\u0432-\u0422\u0443\u043b\u043a\u0438\u043d-\u0410\u0431\u0434\u0438\u0445\u0430\u043b\u0438\u043b\u043e\u0432\u0438\u0447.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-001aec6e-d0a9-4e4f-b43d-0042873fcbed\">Download<\/a><\/div>\n\n\n\n<p><a href=\"https:\/\/doi.org\/10.5281\/zenodo.21856851\">https:\/\/doi.org\/10.5281\/zenodo.21856851<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/zenodo.org\/records\/21856851\">https:\/\/zenodo.org\/records\/21856851<\/a><\/p>\n\n\n\n<p><strong>\u0424\u043e\u0439\u0434\u0430\u043b\u0430\u043d\u0438\u043b\u0433\u0430\u043d \u0430\u0434\u0430\u0431\u0438\u0451\u0442\u043b\u0430\u0440<\/strong><\/p>\n\n\n\n<p>1.&nbsp;\u040e\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u043e\u043d \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0430\u0441\u0438 \u0412\u0430\u0437\u0438\u0440\u043b\u0430\u0440 \u041c\u0430\u04b3\u043a\u0430\u043c\u0430\u0441\u0438\u043d\u0438\u043d\u0433 1999 \u0439\u0438\u043b 5 \u0444\u0435\u0432\u0440\u0430\u043b\u0434\u0430\u0433\u0438 54-\u0441\u043e\u043d \u049b\u0430\u0440\u043e\u0440\u0438. <em>\u00ab\u041c\u0430\u04b3\u0441\u0443\u043b\u043e\u0442 (\u0438\u0448\u043b\u0430\u0440, \u0445\u0438\u0437\u043c\u0430\u0442\u043b\u0430\u0440)\u043d\u0438 \u0438\u0448\u043b\u0430\u0431 \u0447\u0438\u049b\u0430\u0440\u0438\u0448 \u0432\u0430 \u0441\u043e\u0442\u0438\u0448 \u0445\u0430\u0440\u0430\u0436\u0430\u0442\u043b\u0430\u0440\u0438 \u0442\u0430\u0440\u043a\u0438\u0431\u0438 \u04b3\u0430\u043c\u0434\u0430 \u043c\u043e\u043b\u0438\u044f\u0432\u0438\u0439 \u043d\u0430\u0442\u0438\u0436\u0430\u043b\u0430\u0440\u043d\u0438 \u0448\u0430\u043a\u043b\u043b\u0430\u043d\u0442\u0438\u0440\u0438\u0448 \u0442\u0430\u0440\u0442\u0438\u0431\u0438 \u0442\u045e\u0493\u0440\u0438\u0441\u0438\u0434\u0430\u0433\u0438 \u043d\u0438\u0437\u043e\u043c\u043d\u0438 \u0442\u0430\u0441\u0434\u0438\u049b\u043b\u0430\u0448 \u04b3\u0430\u049b\u0438\u0434\u0430\u00bb.<\/em><\/p>\n\n\n\n<p>2.&nbsp;\u0413\u043b\u0430\u0437\u043e\u0432 \u041c.\u041c., \u0427\u0435\u0440\u043d\u0438\u043a\u043e\u0432\u0430 \u0421.\u042e. <em>\u0425\u0430\u0440\u0430\u0436\u0430\u0442\u043b\u0430\u0440\u043d\u0438 \u0431\u043e\u0448\u049b\u0430\u0440\u0438\u0448: \u044f\u043d\u0433\u0438 \u0451\u043d\u0434\u0430\u0448\u0443\u0432\u043b\u0430\u0440.<\/em> \u041c\u043e\u043d\u043e\u0433\u0440\u0430\u0444\u0438\u044f. \u2013 \u0421\u0430\u043d\u043a\u0442-\u041f\u0435\u0442\u0435\u0440\u0431\u0443\u0440\u0433: \u0420\u0413\u0413\u041c\u0423, 2009. \u2013 169 \u0431.<\/p>\n\n\n\n<p>3.&nbsp;\u041a\u043e\u0441\u0442\u044e\u043a\u043e\u0432\u0430 \u0421.\u041d. <em>\u0425\u0430\u0440\u0430\u0436\u0430\u0442\u043b\u0430\u0440\u043d\u0438 \u0431\u043e\u0448\u049b\u0430\u0440\u0438\u0448: \u0438\u049b\u0442\u0438\u0441\u043e\u0434\u0438\u0439 \u043c\u0443\u0442\u0430\u0445\u0430\u0441\u0441\u0438\u0441\u043b\u0438\u043a\u043b\u0430\u0440 \u0442\u0430\u043b\u0430\u0431\u0430\u043b\u0430\u0440\u0438 \u0443\u0447\u0443\u043d \u045e\u049b\u0443\u0432-\u0443\u0441\u043b\u0443\u0431\u0438\u0439 \u043c\u0430\u0436\u043c\u0443\u0430.<\/em> \u2013 \u041d\u043e\u0432\u043e\u043f\u043e\u043b\u043e\u0446\u043a: \u041f\u0413\u0423, 2010. \u2013 180 \u0431.<\/p>\n\n\n\n<p>4.&nbsp;\u0417\u0430\u0439\u043d\u0430\u043b\u043e\u0432 \u0416.\u0420., \u0410\u043b\u0438\u0435\u0432\u0430 \u0421.\u0421., \u0410\u0445\u0440\u043e\u0440\u043e\u0432 \u0417.\u041e. \u0432\u0430 \u0431\u043e\u0448\u049b\u0430\u043b\u0430\u0440. <em>\u041c\u043e\u043b\u0438\u044f (\u041a\u043e\u0440\u0445\u043e\u043d\u0430\u043b\u0430\u0440 \u043c\u043e\u043b\u0438\u044f\u0441\u0438).<\/em> \u0414\u0430\u0440\u0441\u043b\u0438\u043a. \u2013 \u0422\u043e\u0448\u043a\u0435\u043d\u0442, 2018. \u2013 265 \u0431.<\/p>\n\n\n\n<p>5.&nbsp;\u041d\u0438\u043a\u0438\u0442\u0438\u043d\u0430 \u0415.\u0411., \u0416\u0443\u043a\u043e\u0432\u0441\u043a\u0430\u044f \u0421.\u041b. <em>\u0425\u0430\u0440\u0430\u0436\u0430\u0442\u043b\u0430\u0440\u043d\u0438 \u0431\u043e\u0448\u049b\u0430\u0440\u0438\u0448 \u0432\u0430 \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u043b\u0438\u043d\u0433.<\/em> \u042d\u043b\u0435\u043a\u0442\u0440\u043e\u043d \u045e\u049b\u0443\u0432 \u049b\u045e\u043b\u043b\u0430\u043d\u043c\u0430. \u2013 \u041f\u0435\u0440\u043c\u044c: \u041f\u0435\u0440\u043c \u0434\u0430\u0432\u043b\u0430\u0442 \u043c\u0438\u043b\u043b\u0438\u0439 \u0442\u0430\u0434\u049b\u0438\u049b\u043e\u0442 \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442\u0438, 2019. \u2013 129 \u0431.<\/p>\n\n\n\n<p>6.&nbsp;\u0425\u0430\u043c\u0438\u0434\u0443\u043b\u043b\u0438\u043d\u0430 \u0413.\u0420. <em>\u0425\u0430\u0440\u0430\u0436\u0430\u0442\u043b\u0430\u0440\u043d\u0438 \u0431\u043e\u0448\u049b\u0430\u0440\u0438\u0448.<\/em> \u2013 \u041c\u043e\u0441\u043a\u0432\u0430: \u00ab\u042d\u043a\u0437\u0430\u043c\u0435\u043d\u00bb, 2004. \u2013 352 \u0431.<\/p>\n\n\n\n<p>7.&nbsp;\u0425\u043e\u043b\u0442 \u0420.\u041d. <em>\u041c\u043e\u043b\u0438\u044f\u0432\u0438\u0439 \u043c\u0435\u043d\u0435\u0436\u043c\u0435\u043d\u0442 \u0430\u0441\u043e\u0441\u043b\u0430\u0440\u0438.<\/em> \u2013 \u041c\u043e\u0441\u043a\u0432\u0430: \u00ab\u0414\u0435\u043b\u043e\u00bb, 1993. \u2013 128 \u0431.<\/p>\n\n\n\n<p>8.&nbsp;\u0428\u0435\u0440\u0435\u043c\u0435\u0442 \u0410.\u0414. <em>\u0411\u043e\u0448\u049b\u0430\u0440\u0443\u0432 \u04b3\u0438\u0441\u043e\u0431\u0438.<\/em> \u040e\u049b\u0443\u0432 \u049b\u045e\u043b\u043b\u0430\u043d\u043c\u0430. \u2013 \u041c\u043e\u0441\u043a\u0432\u0430: \u00ab\u0418\u0414 \u0424\u0411\u041a-\u041f\u0420\u0415\u0421\u0421\u00bb, 2001.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0421\u0430\u0442\u0442\u0430\u0440\u043e\u0432 \u0422\u0443\u043b\u043a\u0438\u043d \u0410\u0431\u0434\u0438\u0445\u0430\u043b\u0438\u043b\u043e\u0432\u0438\u0447 \u0421\u0430\u043c\u0430\u0440\u049b\u0430\u043d\u0434 \u0438\u049b\u0442\u0438\u0441\u043e\u0434\u0438\u0451\u0442 \u0432\u0430 \u0441\u0435\u0440\u0432\u0438\u0441 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442\u0438\u0438\u049b\u0442\u0438\u0441\u043e\u0434\u0438\u0451\u0442 \u0444\u0430\u043d\u043b\u0430\u0440\u0438 \u0431\u045e\u0439\u0438\u0447\u0430 \u0444\u0430\u043b\u0441\u0430\u0444\u0430 \u0434\u043e\u043a\u0442\u043e\u0440\u0438 (PhD), ORCID: 0009-0001-3779-4508, E&#8211;mail: sattarovozfdtek@gmail.com \u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f: \u041c\u0430\u0437\u043a\u0443\u0440 \u043c\u0430\u049b\u043e\u043b\u0430\u0434\u0430 \u043a\u043e\u0440\u0445\u043e\u043d\u0430\u043b\u0430\u0440\u043d\u0438\u043d\u0433 \u043c\u043e\u043b\u0438\u044f\u0432\u0438\u0439&#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":[36],"tags":[],"class_list":["post-1995","post","type-post","status-publish","format-standard","hentry","category-2026-yil-4-son"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u0418\u0428\u041b\u0410\u0411 \u0427\u0418\u049a\u0410\u0420\u0418\u0428 \u0425\u0410\u0420\u0410\u0416\u0410\u0422\u041b\u0410\u0420\u0418\u041d\u0418\u041d\u0413 \u041a\u041e\u0420\u0425\u041e\u041d\u0410\u041b\u0410\u0420 \u041c\u041e\u041b\u0418\u042f\u0412\u0418\u0419 \u04b2\u041e\u041b\u0410\u0422\u0418\u0413\u0410 \u0422\u0410\u042a\u0421\u0418\u0420\u0418 - \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=1995\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0418\u0428\u041b\u0410\u0411 \u0427\u0418\u049a\u0410\u0420\u0418\u0428 \u0425\u0410\u0420\u0410\u0416\u0410\u0422\u041b\u0410\u0420\u0418\u041d\u0418\u041d\u0413 \u041a\u041e\u0420\u0425\u041e\u041d\u0410\u041b\u0410\u0420 \u041c\u041e\u041b\u0418\u042f\u0412\u0418\u0419 \u04b2\u041e\u041b\u0410\u0422\u0418\u0413\u0410 \u0422\u0410\u042a\u0421\u0418\u0420\u0418 - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali\" \/>\n<meta property=\"og:description\" content=\"\u0421\u0430\u0442\u0442\u0430\u0440\u043e\u0432 \u0422\u0443\u043b\u043a\u0438\u043d \u0410\u0431\u0434\u0438\u0445\u0430\u043b\u0438\u043b\u043e\u0432\u0438\u0447 \u0421\u0430\u043c\u0430\u0440\u049b\u0430\u043d\u0434 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