{"id":335,"date":"2023-07-26T14:58:45","date_gmt":"2023-07-26T09:58:45","guid":{"rendered":"https:\/\/fintech.tsue.uz\/?p=335"},"modified":"2023-07-29T12:35:00","modified_gmt":"2023-07-29T07:35:00","slug":"%d1%82%d1%80%d0%b0%d0%bd%d1%81%d1%84%d0%be%d1%80%d0%bc%d0%b0%d1%86%d0%b8%d1%8f-%d0%b1%d0%b0%d0%bd%d0%ba%d0%be%d0%b2%d1%81%d0%ba%d0%be%d0%b9-%d1%81%d0%b8%d1%81%d1%82%d0%b5%d0%bc%d1%8b-%d1%80%d0%b5","status":"publish","type":"post","link":"https:\/\/fintech.tsue.uz\/?p=335","title":{"rendered":"\u0422\u0420\u0410\u041d\u0421\u0424\u041e\u0420\u041c\u0410\u0426\u0418\u042f \u0411\u0410\u041d\u041a\u041e\u0412\u0421\u041a\u041e\u0419 \u0421\u0418\u0421\u0422\u0415\u041c\u042b \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>\u041e\u0440\u0442\u044b\u043a\u043e\u0432 \u0423\u0439\u0433\u0443\u043d \u0414\u0430\u0432\u043b\u0430\u0442\u043e\u0432\u0438\u0447<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"333\" height=\"455\" src=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/07\/photo_2023-07-26_14-34-18.jpg\" alt=\"\" class=\"wp-image-336\" srcset=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/07\/photo_2023-07-26_14-34-18.jpg 333w, https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/07\/photo_2023-07-26_14-34-18-220x300.jpg 220w\" sizes=\"auto, (max-width: 333px) 100vw, 333px\" \/><\/figure>\n\n\n\n<p><em>\u043a\u0430\u043d\u0434\u0438\u0434\u0430\u0442 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u0445 &nbsp;\u043d\u0430\u0443\u043a<\/em> <em>\u0434\u043e\u0446\u0435\u043d\u0442 \u043a\u0430\u0444\u0435\u0434\u0440\u044b \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e<\/em> <em>\u0443\u0447\u0435\u0442\u0430 \u0438 \u0430\u0443\u0434\u0438\u0442\u0430<\/em><\/p>\n\n\n\n<p><em>\u0422\u0430\u0448\u043a\u0435\u043d\u0442\u0441\u043a\u0438\u0439&nbsp; \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0439 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442<\/em><\/p>\n\n\n\n<p><em>E-mail:<\/em> <em>ortiqovuygun75@gmail.com&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/em><\/p>\n\n\n\n<p><em>ORCID: 0009-0000-1580-9687<\/em><\/p>\n\n\n\n<p><strong>\u0425\u0430\u043c\u0440\u043e\u0445\u0443\u0436\u0430\u0435\u0432\u0430 \u0421\u0438\u0442\u043e\u0440\u0430<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"767\" height=\"1024\" src=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/07\/1111111111-767x1024.jpg\" alt=\"\" class=\"wp-image-338\" srcset=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/07\/1111111111-767x1024.jpg 767w, https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/07\/1111111111-225x300.jpg 225w, https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/07\/1111111111-768x1025.jpg 768w, https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/07\/1111111111.jpg 809w\" sizes=\"auto, (max-width: 767px) 100vw, 767px\" \/><\/figure>\n\n\n\n<p><em>\u0441\u0442\u0443\u0434\u0435\u043d\u0442\u043a\u0430 \u0444\u0430\u043a\u0443\u043b\u044c\u0442\u0435\u0442\u0430 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e&nbsp; \u0434\u0435\u043b\u0430<\/em><\/p>\n\n\n\n<p><em>\u0422\u0430\u0448\u043a\u0435\u043d\u0442\u0441\u043a\u0438\u0439&nbsp; \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0439 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442 &nbsp; <\/em><\/p>\n\n\n\n<p><em>E-mail: <\/em><a href=\"mailto:sitorabonu.khamrokhujaeva@gmail.com\"><em>sitorabonu.khamrokhujaeva@gmail.com<\/em><\/a><\/p>\n\n\n\n<p><strong>\u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f<\/strong><\/p>\n\n\n\n<p>&nbsp;\u0412 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0435\u0435 \u0432\u0440\u0435\u043c\u044f \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0430\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u0430 \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d \u043f\u0440\u0435\u0442\u0435\u0440\u043f\u0435\u0432\u0430\u0435\u0442 \u0437\u043d\u0430\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0435 \u0438\u0437\u043c\u0435\u043d\u0435\u043d\u0438\u044f \u0432 \u0440\u0430\u043c\u043a\u0430\u0445 \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u0438 \u043c\u043e\u0434\u0435\u0440\u043d\u0438\u0437\u0430\u0446\u0438\u0438 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0438 \u0441\u0442\u0440\u0430\u043d\u044b. \u041e\u0434\u043d\u0438\u043c \u0438\u0437 \u043a\u043b\u044e\u0447\u0435\u0432\u044b\u0445 \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0439 \u044d\u0442\u043e\u0439 \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u0438 \u044f\u0432\u043b\u044f\u0435\u0442\u0441\u044f \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0439 \u0441\u0438\u0441\u0442\u0435\u043c\u044b, \u043a\u043e\u0442\u043e\u0440\u0430\u044f \u0434\u043e\u043b\u0436\u043d\u0430 \u0441\u0442\u0430\u0442\u044c \u0431\u043e\u043b\u0435\u0435 \u044d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u0439, \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0442\u043e\u0441\u043f\u043e\u0441\u043e\u0431\u043d\u043e\u0439 \u0438 \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u043d\u0430 \u043f\u043e\u0442\u0440\u0435\u0431\u043d\u043e\u0441\u0442\u0438 \u0431\u0438\u0437\u043d\u0435\u0441\u0430 \u0438 \u043d\u0430\u0441\u0435\u043b\u0435\u043d\u0438\u044f.<\/p>\n\n\n\n<p>\u0412 \u0441\u0442\u0430\u0442\u044c\u0435 \u0440\u0430\u0441\u0441\u043c\u0430\u0442\u0440\u0438\u0432\u0430\u044e\u0442\u0441\u044f \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0438 \u0438 \u0432\u044b\u0437\u043e\u0432\u044b, \u0441 \u043a\u043e\u0442\u043e\u0440\u044b\u043c\u0438 \u0441\u0442\u0430\u043b\u043a\u0438\u0432\u0430\u044e\u0442\u0441\u044f \u0431\u0430\u043d\u043a\u0438 \u0432 \u0443\u0441\u043b\u043e\u0432\u0438\u044f\u0445 \u0431\u044b\u0441\u0442\u0440\u043e \u043c\u0435\u043d\u044f\u044e\u0449\u0435\u0439\u0441\u044f \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u0438 \u043f\u043e\u043b\u0438\u0442\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u043e\u0431\u0441\u0442\u0430\u043d\u043e\u0432\u043a\u0438.<\/p>\n\n\n\n<p><strong>\u041a\u043b\u044e\u0447\u0435\u0432\u044b\u0435 \u0441\u043b\u043e\u0432\u0430:<\/strong> \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0430\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u0430, \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u044f \u0440\u0435\u0444\u043e\u0440\u043c\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f, \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0446\u0438\u044f, \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u043f\u043e\u0440\u0442\u0444\u0435\u043b\u044c, \u0438\u043d\u043e\u0441\u0442\u0440\u0430\u043d\u043d\u044b\u0435 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u0438, \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0430\u044f \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0430, \u0446\u0438\u0444\u0440\u043e\u0432\u0438\u0437\u0430\u0446\u0438\u044f.<\/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\/2023\/07\/\u041e\u0440\u0442\u044b\u043a\u043e\u0432-\u0423\u0439\u0433\u0443\u043d-\u0414\u0430\u0432\u043b\u0430\u0442\u043e\u0432\u0438\u0447.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of \u041e\u0440\u0442\u044b\u043a\u043e\u0432-\u0423\u0439\u0433\u0443\u043d-\u0414\u0430\u0432\u043b\u0430\u0442\u043e\u0432\u0438\u0447.\"><\/object><a id=\"wp-block-file--media-25719f3e-ed94-4af4-a796-8691744a3eee\" href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/07\/\u041e\u0440\u0442\u044b\u043a\u043e\u0432-\u0423\u0439\u0433\u0443\u043d-\u0414\u0430\u0432\u043b\u0430\u0442\u043e\u0432\u0438\u0447.pdf\">\u041e\u0440\u0442\u044b\u043a\u043e\u0432-\u0423\u0439\u0433\u0443\u043d-\u0414\u0430\u0432\u043b\u0430\u0442\u043e\u0432\u0438\u0447<\/a><a href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/07\/\u041e\u0440\u0442\u044b\u043a\u043e\u0432-\u0423\u0439\u0433\u0443\u043d-\u0414\u0430\u0432\u043b\u0430\u0442\u043e\u0432\u0438\u0447.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-25719f3e-ed94-4af4-a796-8691744a3eee\">Download<\/a><\/div>\n\n\n\n<p><strong>\u0418\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u043d\u0430\u044f \u043b\u0438\u0442\u0435\u0440\u0430\u0442\u0443\u0440\u0430<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\" type=\"1\">\n<li>\u0423\u043a\u0430\u0437 \u041f\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u0430 \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d \u043e\u0442 12.05.2020 \u0433. \u2116 \u0423\u041f-5992 \u00ab\u041e \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u0438 \u0440\u0435\u0444\u043e\u0440\u043c\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0439 \u0441\u0438\u0441\u0442\u0435\u043c\u044b \u043d\u0430 2020-2025 \u0433\u043e\u0434\u044b\u00bb. \u2013 https:\/\/lex.uz\/ru\/docs\/4811037<\/li>\n\n\n\n<li>\u0421\u043e\u0433\u043b\u0430\u0441\u043d\u043e \u043f\u043e\u0441\u0442\u0430\u043d\u043e\u0432\u043b\u0435\u043d\u0438\u044e \u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u0426\u0411 \u211622\/1 \u0438 \u043f\u043e\u0441\u0442\u0430\u043d\u043e\u0432\u043b\u0435\u043d\u0438\u044e \u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u0426\u0411 \u211622\/2 \u043e\u0442 7 \u043e\u043a\u0442\u044f\u0431\u0440\u044f 2022 \u0433\u043e\u0434\u0430 \u0443 \u0447\u0430\u0441\u0442\u043d\u043e\u0433\u043e \u0430\u043a\u0446\u0438\u043e\u043d\u0435\u0440\u043d\u043e\u0433\u043e \u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0430 \u201c\u0422\u0443\u0440\u043a\u0438\u0441\u0442\u043e\u043d\u201d \u0438 \u0447\u0430\u0441\u0442\u043d\u043e\u0433\u043e \u0430\u043a\u0446\u0438\u043e\u043d\u0435\u0440\u043d\u043e\u0433\u043e \u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0430 \u201cHI-TECH BANK\u201d \u043e\u0442\u043e\u0437\u0432\u0430\u043d\u044b \u043b\u0438\u0446\u0435\u043d\u0437\u0438\u0438 \u043d\u0430 \u043f\u0440\u0430\u0432\u043e \u043e\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u043b\u0435\u043d\u0438\u044f \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0439 \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438.<\/li>\n\n\n\n<li>\u0421\u0442\u0430\u0442\u0438\u0441\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0431\u044e\u043b\u043b\u0435\u0442\u0435\u043d\u044c \u0426\u0411 \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d 2022, \u0422\u0430\u0448\u043a\u0435\u043d\u0442. \u2013 2023. \u2013 \u0421. 135. \u2013<a href=\"https:\/\/cbu.uz\/upload\/medialibrary\/697\/z4ptrmjgvna5m91jeac7sljic1p48znp\/Statisticheskiy-byulleten-TSB-_-2022-god.pdf\">https:\/\/cbu.uz\/upload\/medialibrary\/697\/z4ptrmjgvna5m91jeac7sljic1p48znp\/Statisticheskiy-byulleten-TSB-_-2022-god.pdf<\/a>&nbsp;&nbsp;&nbsp;<\/li>\n\n\n\n<li>\u0411\u0430\u0431\u0430\u0435\u0432\u0430 \u0413., \u0425\u0430\u043c\u0440\u043e\u0445\u0443\u0436\u0430\u0435\u0432\u0430 \u0421. \u0421\u043e\u0432\u0435\u0440\u0448\u0435\u043d\u0441\u0442\u0432\u043e\u0432\u0430\u043d\u0438\u0435 \u0440\u043e\u0437\u043d\u0438\u0447\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0432 \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0435 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d.<\/li>\n\n\n\n<li>\u0410\u0437\u0438\u043c\u043e\u0432\u0430 \u0428., \u0425\u0430\u043c\u0440\u043e\u0445\u0443\u0436\u0430\u0435\u0432\u0430 \u0421., Topical Issues of the Need for Digitalization of the Banking System in the Republic of Uzbekistan, Eurasian Journal of Learning and Academic Teaching, Vol.7, 2022 \u2013<a href=\"https:\/\/geniusjournals.org\/index.php\/ejlat\/article\/view\/988\/874%20c.51\">https:\/\/geniusjournals.org\/index.php\/ejlat\/article\/view\/988\/874 c.51<\/a>.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.uzdaily.uz\/ru\/post\/75181\">https:\/\/www.uzdaily.uz\/ru\/post\/75181<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cbu.uz\/ru\/monetary-policy\/refinancing-rate\/levels\/\">https:\/\/cbu.uz\/ru\/monetary-policy\/refinancing-rate\/levels\/<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.spot.uz\/ru\/2022\/12\/12\/otp-ipoteka-bank\/\">https:\/\/www.spot.uz\/ru\/2022\/12\/12\/otp-ipoteka-bank\/<\/a><\/li>\n<\/ol>\n\n\n\n<p><strong><br><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u041e\u0440\u0442\u044b\u043a\u043e\u0432 \u0423\u0439\u0433\u0443\u043d \u0414\u0430\u0432\u043b\u0430\u0442\u043e\u0432\u0438\u0447 \u043a\u0430\u043d\u0434\u0438\u0434\u0430\u0442 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u0445 &nbsp;\u043d\u0430\u0443\u043a \u0434\u043e\u0446\u0435\u043d\u0442 \u043a\u0430\u0444\u0435\u0434\u0440\u044b \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u0443\u0447\u0435\u0442\u0430 \u0438 \u0430\u0443\u0434\u0438\u0442\u0430 \u0422\u0430\u0448\u043a\u0435\u043d\u0442\u0441\u043a\u0438\u0439&nbsp; \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0439 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442 E-mail: ortiqovuygun75@gmail.com&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ORCID: 0009-0000-1580-9687 \u0425\u0430\u043c\u0440\u043e\u0445\u0443\u0436\u0430\u0435\u0432\u0430 \u0421\u0438\u0442\u043e\u0440\u0430 \u0441\u0442\u0443\u0434\u0435\u043d\u0442\u043a\u0430 \u0444\u0430\u043a\u0443\u043b\u044c\u0442\u0435\u0442\u0430 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e&nbsp; \u0434\u0435\u043b\u0430 \u0422\u0430\u0448\u043a\u0435\u043d\u0442\u0441\u043a\u0438\u0439&nbsp; \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0439 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442 &nbsp; E-mail: sitorabonu.khamrokhujaeva@gmail.com \u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f &nbsp;\u0412 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0435\u0435&#46;&#46;&#46;<\/p>\n","protected":false},"author":1,"featured_media":340,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-335","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bank-ishi-investisiya-va-soliqqa-tortish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u0422\u0420\u0410\u041d\u0421\u0424\u041e\u0420\u041c\u0410\u0426\u0418\u042f \u0411\u0410\u041d\u041a\u041e\u0412\u0421\u041a\u041e\u0419 \u0421\u0418\u0421\u0422\u0415\u041c\u042b \u0420\u0415\u0421\u041f\u0423\u0411\u041b\u0418\u041a\u0418 \u0423\u0417\u0411\u0415\u041a\u0418\u0421\u0422\u0410\u041d - \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=335\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0422\u0420\u0410\u041d\u0421\u0424\u041e\u0420\u041c\u0410\u0426\u0418\u042f \u0411\u0410\u041d\u041a\u041e\u0412\u0421\u041a\u041e\u0419 \u0421\u0418\u0421\u0422\u0415\u041c\u042b \u0420\u0415\u0421\u041f\u0423\u0411\u041b\u0418\u041a\u0418 \u0423\u0417\u0411\u0415\u041a\u0418\u0421\u0422\u0410\u041d - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali\" \/>\n<meta property=\"og:description\" content=\"\u041e\u0440\u0442\u044b\u043a\u043e\u0432 \u0423\u0439\u0433\u0443\u043d \u0414\u0430\u0432\u043b\u0430\u0442\u043e\u0432\u0438\u0447 \u043a\u0430\u043d\u0434\u0438\u0434\u0430\u0442 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u0445 &nbsp;\u043d\u0430\u0443\u043a \u0434\u043e\u0446\u0435\u043d\u0442 \u043a\u0430\u0444\u0435\u0434\u0440\u044b \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u0443\u0447\u0435\u0442\u0430 \u0438 \u0430\u0443\u0434\u0438\u0442\u0430 \u0422\u0430\u0448\u043a\u0435\u043d\u0442\u0441\u043a\u0438\u0439&nbsp; \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0439 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442 E-mail: ortiqovuygun75@gmail.com&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ORCID: 0009-0000-1580-9687 \u0425\u0430\u043c\u0440\u043e\u0445\u0443\u0436\u0430\u0435\u0432\u0430 \u0421\u0438\u0442\u043e\u0440\u0430 \u0441\u0442\u0443\u0434\u0435\u043d\u0442\u043a\u0430 \u0444\u0430\u043a\u0443\u043b\u044c\u0442\u0435\u0442\u0430 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e&nbsp; \u0434\u0435\u043b\u0430 \u0422\u0430\u0448\u043a\u0435\u043d\u0442\u0441\u043a\u0438\u0439&nbsp; \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0439 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442 &nbsp; E-mail: sitorabonu.khamrokhujaeva@gmail.com \u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f &nbsp;\u0412 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0435\u0435&#046;&#046;&#046;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fintech.tsue.uz\/?p=335\" \/>\n<meta property=\"og:site_name\" content=\"\u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali\" \/>\n<meta property=\"article:published_time\" content=\"2023-07-26T09:58:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-29T07:35:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/07\/4.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1100\" \/>\n\t<meta property=\"og:image:height\" content=\"733\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"fintex-admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"fintex-admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 daqiqa\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/fintech.tsue.uz\/?p=335\",\"url\":\"https:\/\/fintech.tsue.uz\/?p=335\",\"name\":\"\u0422\u0420\u0410\u041d\u0421\u0424\u041e\u0420\u041c\u0410\u0426\u0418\u042f \u0411\u0410\u041d\u041a\u041e\u0412\u0421\u041a\u041e\u0419 \u0421\u0418\u0421\u0422\u0415\u041c\u042b \u0420\u0415\u0421\u041f\u0423\u0411\u041b\u0418\u041a\u0418 \u0423\u0417\u0411\u0415\u041a\u0418\u0421\u0422\u0410\u041d - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali\",\"isPartOf\":{\"@id\":\"https:\/\/fintech.tsue.uz\/#website\"},\"datePublished\":\"2023-07-26T09:58:45+00:00\",\"dateModified\":\"2023-07-29T07:35:00+00:00\",\"author\":{\"@id\":\"https:\/\/fintech.tsue.uz\/#\/schema\/person\/23c74e51ed62b86e6d0bd0648490066b\"},\"breadcrumb\":{\"@id\":\"https:\/\/fintech.tsue.uz\/?p=335#breadcrumb\"},\"inLanguage\":\"uz-UZ\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/fintech.tsue.uz\/?p=335\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/fintech.tsue.uz\/?p=335#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/fintech.tsue.uz\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u0422\u0420\u0410\u041d\u0421\u0424\u041e\u0420\u041c\u0410\u0426\u0418\u042f \u0411\u0410\u041d\u041a\u041e\u0412\u0421\u041a\u041e\u0419 \u0421\u0418\u0421\u0422\u0415\u041c\u042b \u0420\u0415\u0421\u041f\u0423\u0411\u041b\u0418\u041a\u0418 \u0423\u0417\u0411\u0415\u041a\u0418\u0421\u0422\u0410\u041d\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/fintech.tsue.uz\/#website\",\"url\":\"https:\/\/fintech.tsue.uz\/\",\"name\":\"\u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali\",\"description\":\"Toshkent davlat iqtisodiyot universiteti\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/fintech.tsue.uz\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"uz-UZ\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/fintech.tsue.uz\/#\/schema\/person\/23c74e51ed62b86e6d0bd0648490066b\",\"name\":\"fintex-admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"uz-UZ\",\"@id\":\"https:\/\/fintech.tsue.uz\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g\",\"caption\":\"fintex-admin\"},\"sameAs\":[\"http:\/\/fintech.tfi.uz\"],\"url\":\"https:\/\/fintech.tsue.uz\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u0422\u0420\u0410\u041d\u0421\u0424\u041e\u0420\u041c\u0410\u0426\u0418\u042f \u0411\u0410\u041d\u041a\u041e\u0412\u0421\u041a\u041e\u0419 \u0421\u0418\u0421\u0422\u0415\u041c\u042b \u0420\u0415\u0421\u041f\u0423\u0411\u041b\u0418\u041a\u0418 \u0423\u0417\u0411\u0415\u041a\u0418\u0421\u0422\u0410\u041d - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/fintech.tsue.uz\/?p=335","og_locale":"uz_UZ","og_type":"article","og_title":"\u0422\u0420\u0410\u041d\u0421\u0424\u041e\u0420\u041c\u0410\u0426\u0418\u042f \u0411\u0410\u041d\u041a\u041e\u0412\u0421\u041a\u041e\u0419 \u0421\u0418\u0421\u0422\u0415\u041c\u042b \u0420\u0415\u0421\u041f\u0423\u0411\u041b\u0418\u041a\u0418 \u0423\u0417\u0411\u0415\u041a\u0418\u0421\u0422\u0410\u041d - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali","og_description":"\u041e\u0440\u0442\u044b\u043a\u043e\u0432 \u0423\u0439\u0433\u0443\u043d \u0414\u0430\u0432\u043b\u0430\u0442\u043e\u0432\u0438\u0447 \u043a\u0430\u043d\u0434\u0438\u0434\u0430\u0442 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u0445 &nbsp;\u043d\u0430\u0443\u043a \u0434\u043e\u0446\u0435\u043d\u0442 \u043a\u0430\u0444\u0435\u0434\u0440\u044b \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u0443\u0447\u0435\u0442\u0430 \u0438 \u0430\u0443\u0434\u0438\u0442\u0430 \u0422\u0430\u0448\u043a\u0435\u043d\u0442\u0441\u043a\u0438\u0439&nbsp; \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0439 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442 E-mail: ortiqovuygun75@gmail.com&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ORCID: 0009-0000-1580-9687 \u0425\u0430\u043c\u0440\u043e\u0445\u0443\u0436\u0430\u0435\u0432\u0430 \u0421\u0438\u0442\u043e\u0440\u0430 \u0441\u0442\u0443\u0434\u0435\u043d\u0442\u043a\u0430 \u0444\u0430\u043a\u0443\u043b\u044c\u0442\u0435\u0442\u0430 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e&nbsp; \u0434\u0435\u043b\u0430 \u0422\u0430\u0448\u043a\u0435\u043d\u0442\u0441\u043a\u0438\u0439&nbsp; \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0439 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442 &nbsp; E-mail: sitorabonu.khamrokhujaeva@gmail.com \u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f &nbsp;\u0412 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0435\u0435&#46;&#46;&#46;","og_url":"https:\/\/fintech.tsue.uz\/?p=335","og_site_name":"\u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali","article_published_time":"2023-07-26T09:58:45+00:00","article_modified_time":"2023-07-29T07:35:00+00:00","og_image":[{"width":1100,"height":733,"url":"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/07\/4.jpg","type":"image\/jpeg"}],"author":"fintex-admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"fintex-admin","Est. reading time":"1 daqiqa"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/fintech.tsue.uz\/?p=335","url":"https:\/\/fintech.tsue.uz\/?p=335","name":"\u0422\u0420\u0410\u041d\u0421\u0424\u041e\u0420\u041c\u0410\u0426\u0418\u042f \u0411\u0410\u041d\u041a\u041e\u0412\u0421\u041a\u041e\u0419 \u0421\u0418\u0421\u0422\u0415\u041c\u042b \u0420\u0415\u0421\u041f\u0423\u0411\u041b\u0418\u041a\u0418 \u0423\u0417\u0411\u0415\u041a\u0418\u0421\u0422\u0410\u041d - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali","isPartOf":{"@id":"https:\/\/fintech.tsue.uz\/#website"},"datePublished":"2023-07-26T09:58:45+00:00","dateModified":"2023-07-29T07:35:00+00:00","author":{"@id":"https:\/\/fintech.tsue.uz\/#\/schema\/person\/23c74e51ed62b86e6d0bd0648490066b"},"breadcrumb":{"@id":"https:\/\/fintech.tsue.uz\/?p=335#breadcrumb"},"inLanguage":"uz-UZ","potentialAction":[{"@type":"ReadAction","target":["https:\/\/fintech.tsue.uz\/?p=335"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/fintech.tsue.uz\/?p=335#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/fintech.tsue.uz\/"},{"@type":"ListItem","position":2,"name":"\u0422\u0420\u0410\u041d\u0421\u0424\u041e\u0420\u041c\u0410\u0426\u0418\u042f \u0411\u0410\u041d\u041a\u041e\u0412\u0421\u041a\u041e\u0419 \u0421\u0418\u0421\u0422\u0415\u041c\u042b \u0420\u0415\u0421\u041f\u0423\u0411\u041b\u0418\u041a\u0418 \u0423\u0417\u0411\u0415\u041a\u0418\u0421\u0422\u0410\u041d"}]},{"@type":"WebSite","@id":"https:\/\/fintech.tsue.uz\/#website","url":"https:\/\/fintech.tsue.uz\/","name":"\u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali","description":"Toshkent davlat iqtisodiyot universiteti","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/fintech.tsue.uz\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"uz-UZ"},{"@type":"Person","@id":"https:\/\/fintech.tsue.uz\/#\/schema\/person\/23c74e51ed62b86e6d0bd0648490066b","name":"fintex-admin","image":{"@type":"ImageObject","inLanguage":"uz-UZ","@id":"https:\/\/fintech.tsue.uz\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g","caption":"fintex-admin"},"sameAs":["http:\/\/fintech.tfi.uz"],"url":"https:\/\/fintech.tsue.uz\/?author=1"}]}},"_links":{"self":[{"href":"https:\/\/fintech.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/335","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fintech.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fintech.tsue.uz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fintech.tsue.uz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fintech.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=335"}],"version-history":[{"count":2,"href":"https:\/\/fintech.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/335\/revisions"}],"predecessor-version":[{"id":373,"href":"https:\/\/fintech.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/335\/revisions\/373"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fintech.tsue.uz\/index.php?rest_route=\/wp\/v2\/media\/340"}],"wp:attachment":[{"href":"https:\/\/fintech.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=335"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fintech.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=335"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fintech.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=335"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}