{"id":2094,"date":"2026-08-22T17:41:11","date_gmt":"2026-08-22T12:41:11","guid":{"rendered":"https:\/\/fintech.tsue.uz\/?p=2094"},"modified":"2026-08-22T17:41:11","modified_gmt":"2026-08-22T12:41:11","slug":"%d1%81%d0%be%d0%b2%d0%b5%d1%80%d1%88%d0%b5%d0%bd%d1%81%d1%82%d0%b2%d0%be%d0%b2%d0%b0%d0%bd%d0%b8%d0%b5-%d1%86%d0%b8%d1%84%d1%80%d0%be%d0%b2%d1%8b%d1%85-%d0%bf%d0%be%d0%b4%d1%85%d0%be%d0%b4%d0%be%d0%b2","status":"publish","type":"post","link":"https:\/\/fintech.tsue.uz\/?p=2094","title":{"rendered":"\u0421\u041e\u0412\u0415\u0420\u0428\u0415\u041d\u0421\u0422\u0412\u041e\u0412\u0410\u041d\u0418\u0415 \u0426\u0418\u0424\u0420\u041e\u0412\u042b\u0425 \u041f\u041e\u0414\u0425\u041e\u0414\u041e\u0412 \u041a \u041e\u0426\u0415\u041d\u041a\u0415 \u041a\u0420\u0415\u0414\u0418\u0422\u041e\u0421\u041f\u041e\u0421\u041e\u0411\u041d\u041e\u0421\u0422\u0418 \u0425\u041e\u0417\u042f\u0419\u0421\u0422\u0412\u0423\u042e\u0429\u0418\u0425 \u0421\u0423\u0411\u042a\u0415\u041a\u0422\u041e\u0412 \u0412 \u041a\u041e\u041c\u041c\u0415\u0420\u0427\u0415\u0421\u041a\u0418\u0425 \u0411\u0410\u041d\u041a\u0410\u0425 \u0420\u0415\u0421\u041f\u0423\u0411\u041b\u0418\u041a\u0418 \u0423\u0417\u0411\u0415\u041a\u0418\u0421\u0422\u0410\u041d"},"content":{"rendered":"\n<p><strong>\u041d\u0430\u0437\u0430\u0440\u043e\u0432\u0430 \u0414\u0438\u044f\u0440\u0430<\/strong><\/p>\n\n\n\n<p><em>\u042d\u043a\u0441\u043f\u0435\u0440\u0442 \u043f\u043e \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0439 \u043e\u0442\u0447\u0435\u0442\u043d\u043e\u0441\u0442\u0438 \u0432<\/em><\/p>\n\n\n\n<p><em>&nbsp;\u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u0438 \u0441 \u041c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u043c\u0438 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u0430\u043c\u0438<\/em><\/p>\n\n\n\n<p><em>&nbsp;\u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0439 \u043e\u0442\u0447\u0435\u0442\u043d\u043e\u0441\u0442\u0438 (\u041c\u0421\u0424\u041e) \u0432 \u0410\u041a\u0411 \u00ab\u0425\u0430\u043c\u043a\u043e\u0440\u0431\u0430\u043d\u043a\u00bb<\/em><\/p>\n\n\n\n<p><em>e-mail: <\/em><a href=\"mailto:diyora.nazarova.95@mail.ru\"><em>diyora.nazarova.95@mail.ru<\/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 \u0441\u0442\u0430\u0442\u044c\u0435 \u0440\u0430\u0441\u0441\u043c\u0430\u0442\u0440\u0438\u0432\u0430\u044e\u0442\u0441\u044f \u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0446\u0438\u0444\u0440\u043e\u0432\u0438\u0437\u0430\u0446\u0438\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u043f\u0440\u043e\u0446\u0435\u0441\u0441\u043e\u0432 \u0432 \u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u0445 \u0431\u0430\u043d\u043a\u0430\u0445 \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d \u043d\u0430 \u043f\u0440\u0438\u043c\u0435\u0440\u0435 \u0410\u041a\u0411 \u00abKapitalbank\u00bb. \u041e\u0441\u043d\u043e\u0432\u043d\u043e\u0435 \u0432\u043d\u0438\u043c\u0430\u043d\u0438\u0435 \u0443\u0434\u0435\u043b\u0435\u043d\u043e \u043f\u0440\u0438\u043c\u0435\u043d\u0435\u043d\u0438\u044e \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0445 \u0441\u0438\u0441\u0442\u0435\u043c <strong>Scoring<\/strong> \u0438 <strong>Underwriting<\/strong>, \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0438\u0432\u0430\u044e\u0449\u0438\u0445 \u0446\u0438\u0444\u0440\u043e\u0432\u0443\u044e \u043e\u0446\u0435\u043d\u043a\u0443 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0441\u043f\u043e\u0441\u043e\u0431\u043d\u043e\u0441\u0442\u0438 \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u043e\u0432 \u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u0440\u0438\u0441\u043a\u043e\u0432. \u041f\u0440\u043e\u0430\u043d\u0430\u043b\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u0430 \u0440\u043e\u043b\u044c \u0441\u0442\u0430\u0442\u0438\u0441\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u043c\u043e\u0434\u0435\u043b\u0435\u0439, \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0445 \u0438 \u043f\u043e\u0432\u0435\u0434\u0435\u043d\u0447\u0435\u0441\u043a\u0438\u0445 \u0434\u0430\u043d\u043d\u044b\u0445 \u043f\u0440\u0438 \u043f\u0440\u0438\u043d\u044f\u0442\u0438\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u0440\u0435\u0448\u0435\u043d\u0438\u0439. \u041d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u0430\u043d\u0430\u043b\u0438\u0437\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0445 \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u0435\u0439 \u0410\u041a\u0411 \u00abKapitalbank\u00bb \u0437\u0430 2024\u20132025 \u0433\u0433. \u0432\u044b\u044f\u0432\u043b\u0435\u043d\u0430 \u043f\u043e\u043b\u043e\u0436\u0438\u0442\u0435\u043b\u044c\u043d\u0430\u044f \u0434\u0438\u043d\u0430\u043c\u0438\u043a\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u043f\u043e\u0440\u0442\u0444\u0435\u043b\u044f, \u0430\u043a\u0442\u0438\u0432\u043e\u0432 \u0438 \u0447\u0438\u0441\u0442\u043e\u0439 \u043f\u0440\u0438\u0431\u044b\u043b\u0438 \u0431\u0430\u043d\u043a\u0430. \u041e\u0442\u043c\u0435\u0447\u0430\u0435\u0442\u0441\u044f, \u0447\u0442\u043e \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u0435 \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 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\u043f\u0435\u0440\u0441\u043f\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u0438 \u0434\u0430\u043b\u044c\u043d\u0435\u0439\u0448\u0435\u0433\u043e \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u044f \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0439 \u0432 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u0438 \u043a\u0430\u043a \u043e\u0434\u043d\u043e\u0433\u043e \u0438\u0437 \u043a\u043b\u044e\u0447\u0435\u0432\u044b\u0445 \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0439 \u043f\u043e\u0432\u044b\u0448\u0435\u043d\u0438\u044f \u044d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u0438 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0439 \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438 \u0432 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d\u0435.<strong>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/strong><\/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>\u0446\u0438\u0444\u0440\u043e\u0432\u0430\u044f \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f, \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0435 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0438, \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0437\u0430\u0446\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u044f, \u0441\u043a\u043e\u0440\u0438\u043d\u0433\u043e\u0432\u044b\u0435 \u043c\u043e\u0434\u0435\u043b\u0438, \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0439 \u0430\u043d\u0434\u0435\u0440\u0440\u0430\u0439\u0442\u0438\u043d\u0433, \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0441\u043f\u043e\u0441\u043e\u0431\u043d\u043e\u0441\u0442\u044c \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u0430, \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u043c\u0438 \u0440\u0438\u0441\u043a\u0430\u043c\u0438, \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0435 \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u0438 \u0431\u0430\u043d\u043a\u0430.<\/em><\/p>\n\n\n\n<p><strong>O<\/strong><strong>\u2019<\/strong><strong>ZBEKISTON<\/strong><strong> <\/strong><strong>RESPUBLIKASI<\/strong><strong> <\/strong><strong>TIJORAT<\/strong><strong> <\/strong><strong>BANKLARIDA<\/strong><strong> <\/strong><strong>XO<\/strong><strong>\u2019<\/strong><strong>JALIK<\/strong><strong> <\/strong><strong>YURITUVCHI<\/strong><strong> <\/strong><strong>SUBYEKTLARNING<\/strong><strong> <\/strong><strong>KREDITGA<\/strong><strong> <\/strong><strong>LAYOQATLILIGINI<\/strong><strong> <\/strong><strong>BAHOLASHGA<\/strong><strong> <\/strong><strong>RAQAMLI<\/strong><strong> <\/strong><strong>YONDASHUVLARNI<\/strong><strong> <\/strong><strong>TAKOMILLASHTIRISH<\/strong><strong><\/strong><\/p>\n\n\n\n<p><strong>Nazarova Diyara<\/strong><\/p>\n\n\n\n<p><em>\u201cHamkorbank\u201d ATBda<\/em><\/p>\n\n\n\n<p><em>Moliyaviy hisobotning xalqaro standartlari (MHXS) bo\u2018yicha<\/em><\/p>\n\n\n\n<p><em>&nbsp;hisobotlarni transformatsiya qilish eksperti<\/em><\/p>\n\n\n\n<p><em>e-mail: <\/em><a href=\"mailto:diyora.nazarova.95@mail.ru\"><em>diyora.nazarova.95@mail.ru<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><strong><em>Annotatsiya:<\/em><\/strong><em> Maqolada O\u2019zbekiston Respublikasi tijorat banklarida kredit jarayonlarini raqamlashtirishning o\u2019ziga xos xususiyatlari \u201cKapitalbank\u201d ATB misolida ko\u2019rib chiqilgan. Qarz oluvchilarning to\u2019lov qobiliyati va kredit risklarini raqamli baholashni ta\u2019minlovchi avtomatlashtirilgan Scoring va Underwriting tizimlaridan foydalanishga alohida e\u2019tibor qaratilgan. Kredit qarorlarini qabul qilishda statistik modellar, moliyaviy va xulq-atvor ma\u2019lumotlarini avtomatlashtirilgan qayta ishlashning roli tahlil qilingan. \u201cKapitalbank\u201d ATBning 2024\u20132025-yillardagi moliyaviy ko\u2018rsatkichlari tahlili asosida bank kredit portfeli, aktivlari va sof foydasining ijobiy dinamikasi aniqlangan. Raqamli vositalarni rivojlantirish kredit arizalarini ko\u2018rib chiqish samaradorligini oshirish, qarz oluvchilarni baholashni standartlashtirish hamda kredit risklarini boshqarishni takomillashtirishga xizmat qilishi ta\u2019kidlangan. O\u2019zbekistonda bank faoliyati samaradorligini oshirishning muhim yo\u2019nalishlaridan biri sifatida kreditlashda raqamli texnologiyalarni yanada rivojlantirish istiqbolli ekani haqida xulosa qilingan.<\/em><\/p>\n\n\n\n<p><strong><em>Kalit so\u2018zlar:<\/em><\/strong><em> raqamli transformatsiya, bank texnologiyalari, kreditlashni avtomatlashtirish, skoring modellari, avtomatlashtirilgan anderrayting, qarz oluvchining kreditga layoqatliligi, kredit risklarini boshqarish, bankning moliyaviy ko\u2018rsatkichlari.<\/em><\/p>\n\n\n\n<p><strong>IMPROVING DIGITAL APPROACHES TO ASSESSING THE CREDITWORTHINESS OF BUSINESS ENTITIES IN COMMERCIAL BANKS OF THE REPUBLIC OF UZBEKISTAN<\/strong><\/p>\n\n\n\n<p><strong>Nazarova Diyara<\/strong><\/p>\n\n\n\n<p><em>Expert in Financial Reporting Transformation under<\/em><\/p>\n\n\n\n<p><em>International Financial Reporting Standards (IFRS) at Hamkorbank JSCB<\/em><\/p>\n\n\n\n<p><em>e-mail: <\/em><a href=\"mailto:diyora.nazarova.95@mail.ru\"><em>diyora.nazarova.95@mail.ru<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><strong><em>Abstract:<\/em><\/strong><em> The article examines the specifics of digitalization of credit processes in commercial banks of the Republic of Uzbekistan using \u201cKapitalbank\u201d JSCB as an example. Particular attention is paid to the application of automated Scoring and Underwriting systems that enable digital assessment of borrowers\u2019 solvency and credit risks. The role of statistical models and automated processing of financial and behavioral data in making credit decisions is analyzed. Based on an analysis of the financial indicators of \u201cKapitalbank\u201d JSCB for 2024\u20132025, positive dynamics in the bank\u2019s loan portfolio, assets, and net profit are identified. It is noted that the development of digital tools contributes to increasing the efficiency of processing credit applications, standardizing borrower assessment, and improving credit risk management. The article concludes that further development of digital technologies in lending is promising as one of the key areas for increasing the efficiency of banking activities in Uzbekistan.<\/em><\/p>\n\n\n\n<p><strong><em>Keywords:<\/em><\/strong><em> digital transformation, banking technologies, automated lending, scoring models, automated underwriting, borrower creditworthiness, credit risk management, bank financial indicators.<\/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\/22.-\u041d\u0430\u0437\u0430\u0440\u043e\u0432\u0430-\u0414\u0438\u044f\u0440\u0430.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of 22. \u041d\u0430\u0437\u0430\u0440\u043e\u0432\u0430 \u0414\u0438\u044f\u0440\u0430.\"><\/object><a id=\"wp-block-file--media-367107cf-7723-450e-bb9a-da7bdf8d73e6\" href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/08\/22.-\u041d\u0430\u0437\u0430\u0440\u043e\u0432\u0430-\u0414\u0438\u044f\u0440\u0430.pdf\">22. \u041d\u0430\u0437\u0430\u0440\u043e\u0432\u0430 \u0414\u0438\u044f\u0440\u0430<\/a><a href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/08\/22.-\u041d\u0430\u0437\u0430\u0440\u043e\u0432\u0430-\u0414\u0438\u044f\u0440\u0430.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-367107cf-7723-450e-bb9a-da7bdf8d73e6\">Download<\/a><\/div>\n\n\n\n<p><a href=\"https:\/\/zenodo.org\/records\/22057510\">https:\/\/zenodo.org\/records\/22057510<\/a><br><br><a href=\"https:\/\/doi.org\/10.5281\/zenodo.22057510\">https:\/\/doi.org\/10.5281\/zenodo.22057510<\/a><\/p>\n\n\n\n<p><strong>\u041b\u0438\u0442\u0435\u0440\u0430\u0442\u0443\u0440\u0430<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u0426\u0435\u043d\u0442\u0440\u0430\u043b\u044c\u043d\u044b\u0439 \u0431\u0430\u043d\u043a \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d. \u0413\u043e\u0434\u043e\u0432\u043e\u0439 \u043e\u0442\u0447\u0435\u0442 \u0426\u0435\u043d\u0442\u0440\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0430 \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d. \u2013 \u0422\u0430\u0448\u043a\u0435\u043d\u0442, 2024\u20132025.<\/li>\n\n\n\n<li>Altman, E. I. (1968). Financial Ratios, Discriminant Analysis and the Prediction of Corporate Bankruptcy. The Journal of Finance, 23(4), 589\u2013609.<\/li>\n\n\n\n<li>Hand, D. J., &amp; Henley, W. E. (1997). Statistical Classification Methods in Consumer Credit Scoring: a Review. Journal of the Royal Statistical Society: Series A, 160(3), 523\u2013541.<\/li>\n\n\n\n<li>An update of research. European Journal of Operational Research, 247(1), 124\u2013136.<\/li>\n\n\n\n<li>Kapitalbank. \u041e\u0442\u0447\u0435\u0442\u043d\u043e\u0441\u0442\u044c \u0438 \u0430\u043d\u0430\u043b\u0438\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u043c\u0430\u0442\u0435\u0440\u0438\u0430\u043b\u044b \u043f\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0439 \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438. \u2013 2024\u20132025.<\/li>\n\n\n\n<li>\u041c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u0439 \u0432\u0430\u043b\u044e\u0442\u043d\u044b\u0439 \u0444\u043e\u043d\u0434. Financial Sector Assessment Program: Uzbekistan. \u2013 2023<\/li>\n\n\n\n<li>Kapitalbank. \u041e\u0442\u0447\u0435\u0442\u043d\u043e\u0441\u0442\u044c \u0438 \u0430\u043d\u0430\u043b\u0438\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u043c\u0430\u0442\u0435\u0440\u0438\u0430\u043b\u044b \u043f\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0439 \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438. \u2013 2024\u20132025<\/li>\n\n\n\n<li>\u0426\u0435\u043d\u0442\u0440\u0430\u043b\u044c\u043d\u044b\u0439 \u0431\u0430\u043d\u043a \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d. \u041e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u0434\u0435\u043d\u0435\u0436\u043d\u043e-\u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0439 \u043f\u043e\u043b\u0438\u0442\u0438\u043a\u0438 \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d \u043d\u0430 2025 \u0433\u043e\u0434. \u2013 \u0422\u0430\u0448\u043a\u0435\u043d\u0442<\/li>\n\n\n\n<li>\u0411\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0435 \u0434\u0435\u043b\u043e: \u0443\u0447\u0435\u0431\u043d\u0438\u043a \/ \u043f\u043e\u0434 \u0440\u0435\u0434. \u041e.\u0418. \u041b\u0430\u0432\u0440\u0443\u0448\u0438\u043d\u0430. \u2013 \u041c.: \u041a\u041d\u041e\u0420\u0423\u0421, 2021.<\/li>\n\n\n\n<li>\u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0439 \u043c\u0435\u043d\u0435\u0434\u0436\u043c\u0435\u043d\u0442: \u0443\u0447\u0435\u0431\u043d\u0438\u043a \/ \u043f\u043e\u0434 \u0440\u0435\u0434. \u0418.\u0410. \u0411\u043b\u0430\u043d\u043a\u0430. \u2013 \u041a\u0438\u0435\u0432: \u041d\u0438\u043a\u0430-\u0426\u0435\u043d\u0442\u0440, 2020.<\/li>\n\n\n\n<li>\u0421\u0430\u0432\u0438\u0446\u043a\u0430\u044f \u0413.\u0412. \u0410\u043d\u0430\u043b\u0438\u0437 \u0445\u043e\u0437\u044f\u0439\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0439 \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u044f. \u2013 \u041c\u0438\u043d\u0441\u043a: \u041d\u043e\u0432\u043e\u0435 \u0437\u043d\u0430\u043d\u0438\u0435, 2021.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>\u041d\u0430\u0437\u0430\u0440\u043e\u0432\u0430 \u0414\u0438\u044f\u0440\u0430 \u042d\u043a\u0441\u043f\u0435\u0440\u0442 \u043f\u043e \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0439 \u043e\u0442\u0447\u0435\u0442\u043d\u043e\u0441\u0442\u0438 \u0432 &nbsp;\u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u0438 \u0441 \u041c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u043c\u0438 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u0430\u043c\u0438 &nbsp;\u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0439 \u043e\u0442\u0447\u0435\u0442\u043d\u043e\u0441\u0442\u0438 (\u041c\u0421\u0424\u041e) \u0432 \u0410\u041a\u0411 \u00ab\u0425\u0430\u043c\u043a\u043e\u0440\u0431\u0430\u043d\u043a\u00bb e-mail: diyora.nazarova.95@mail.ru \u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f: \u0412&#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":[36,1],"tags":[],"class_list":["post-2094","post","type-post","status-publish","format-standard","hentry","category-2026-yil-4-son","category-bolimsiz"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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