{"id":432,"date":"2023-09-25T15:17:45","date_gmt":"2023-09-25T10:17:45","guid":{"rendered":"https:\/\/fintech.tsue.uz\/?p=432"},"modified":"2023-11-05T22:29:35","modified_gmt":"2023-11-05T17:29:35","slug":"%d0%b1%d0%b0%d0%bd%d0%ba-%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%d1%81%d0%b8-%d0%bf%d0%b0%d1%80%d0%b0%d0%b4%d0%b8%d0%b3%d0%bc%d0%b0%d1%81%d0%b8","status":"publish","type":"post","link":"https:\/\/fintech.tsue.uz\/?p=432","title":{"rendered":"\u0411\u0410\u041d\u041a \u0422\u0420\u0410\u041d\u0421\u0424\u041e\u0420\u041c\u0410\u0426\u0418\u042f\u0421\u0418 \u041f\u0410\u0420\u0410\u0414\u0418\u0413\u041c\u0410\u0421\u0418"},"content":{"rendered":"\n<p><strong>\u0411\u0430\u0439\u043c\u0443\u0440\u0430\u0442\u043e\u0432\u0430 \u041c\u0430\u0434\u0438\u043d\u0430 \u0422\u0443\u0440\u0441\u0443\u043d\u0431\u043e\u0439 \u049b\u0438\u0437\u0438<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"708\" src=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/09\/photo_2023-09-25_14-47-58.jpg\" alt=\"\" class=\"wp-image-433\" srcset=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/09\/photo_2023-09-25_14-47-58.jpg 550w, https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/09\/photo_2023-09-25_14-47-58-233x300.jpg 233w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n\n\n\n<p><em>\u0422\u043e\u0448\u043a\u0435\u043d\u0442 \u043c\u043e\u043b\u0438\u044f \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442\u0438<\/em><\/p>\n\n\n\n<p><em>\u0434\u043e\u043a\u0442\u043e\u0440\u0430\u043d\u0442\u0438 (PhD)<\/em><\/p>\n\n\n\n<p><em>Email: <\/em><a href=\"mailto:madinnn23@gmail.com\"><em>madinnn23@gmail.com<\/em><\/a><a href=\"https:\/\/orcid.org\/0000-0002-2414-2324\"><em>https:\/\/orcid.org\/0000-0002-2414-2324<\/em><\/a><\/p>\n\n\n\n<p><strong>\u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f<\/strong><strong><\/strong><\/p>\n\n\n\n<p>\u041c\u0430\u049b\u043e\u043b\u0430\u0434\u0430 \u0431\u0430\u043d\u043a \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f\u0441\u0438 \u0448\u0430\u0440\u043e\u0438\u0442\u0438\u0434\u0430 \u0442\u0438\u0437\u0438\u043c\u043b\u0438 \u0442\u0430\u0440\u043c\u043e\u049b \u0445\u0438\u0437\u043c\u0430\u0442\u043b\u0430\u0440\u0438\u043d\u0438 \u043a\u045e\u0440\u0441\u0430\u0442\u0438\u0448\u0433\u0430 \u049b\u045e\u0439\u0438\u043b\u0430\u0451\u0442\u0433\u0430\u043d \u0442\u0430\u043b\u0430\u0431\u043b\u0430\u0440 \u043a\u045e\u043f \u043a\u0430\u043d\u0430\u043b\u043b\u0438 \u044d\u043a\u0430\u043d\u043b\u0438\u0433\u0438, \u0441\u0430\u043c\u0430\u0440\u0430\u0434\u043e\u0440\u043b\u0438\u043a, \u0448\u0430\u0444\u0444\u043e\u0444\u043b\u0438\u043a, \u0430\u043d\u0438\u049b\u043b\u0438\u043a \u0438\u043d\u043d\u043e\u0432\u0430\u0446\u0438\u043e\u043d \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u044f\u043b\u0430\u0440\u043d\u0438 \u0436\u043e\u0440\u0438\u0439 \u044d\u0442\u0438\u0448\u043d\u0438 \u0440\u0430\u0493\u0431\u0430\u0442\u043b\u0430\u043d\u0442\u0438\u0440\u0430\u0451\u0442\u0433\u0430\u043d\u0438 \u049b\u0430\u0439\u0434 \u044d\u0442\u0438\u043b\u0433\u0430\u043d. \u0428\u0443\u043d\u0438\u043d\u0433\u0434\u0435\u043a \u0443\u0448\u0431\u0443 \u0442\u0430\u043c\u043e\u0439\u0438\u043b \u0436\u0430\u04b3\u043e\u043d\u043d\u0438\u043d\u0433 \u0440\u0438\u0432\u043e\u0436\u043b\u0430\u043d\u0433\u0430\u043d \u043c\u0430\u043c\u043b\u0430\u043a\u0430\u0442\u043b\u0430\u0440\u0438\u0434\u0430\u0433\u0438 \u0431\u0430\u043d\u043a\u043b\u0430\u0440 \u0442\u043e\u043c\u043e\u043d\u0438\u0434\u0430\u043d \u043c\u0438\u0436\u043e\u0437\u0433\u0430 \u0439\u045e\u043d\u0430\u043b\u0442\u0438\u0440\u0438\u043b\u0433\u0430\u043d \u043c\u043e\u0434\u0435\u043b\u0434\u0430\u043d \u0444\u043e\u0439\u0434\u0430\u043b\u0430\u043d\u0438\u0448\u0434\u0430 \u045e\u0437 \u0438\u0444\u043e\u0434\u0430\u0441\u0438\u043d\u0438 \u0442\u043e\u043f\u0430\u0451\u0442\u0433\u0430\u043d\u0438, \u0431\u0443 \u044d\u0441\u0430 \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432 \u043c\u0438\u0436\u043e\u0437 \u043c\u0430\u043d\u0444\u0430\u0430\u0442\u043b\u0430\u0440\u0438\u043d\u0438 \u043a\u045e\u0437\u043b\u0430\u0431 \u0431\u0430\u0440\u0447\u0430 \u0431\u0438\u0437\u043d\u0435\u0441 \u0436\u0430\u0440\u0430\u0451\u043d\u043b\u0430\u0440\u043d\u0438 \u044f\u0440\u0430\u0442\u0438\u0448 \u0432\u0430 \u0442\u0430\u0448\u043a\u0438\u043b \u044d\u0442\u0438\u0448\u043d\u0438 \u043d\u0430\u0437\u0430\u0440\u0434\u0430 \u0442\u0443\u0442\u0430\u0434\u0438. \u0411\u0430\u043d\u043a \u0444\u0430\u043e\u043b\u0438\u044f\u0442\u0438\u043d\u0438 \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f\u0441\u0438\u0433\u0430&nbsp; \u043e\u0438\u0434 \u0442\u0430\u0434\u049b\u0438\u049b\u043e\u0442\u043b\u0430\u0440 \u0430\u0441\u043e\u0441\u0438\u0434\u0430 \u043c\u043e\u043b\u0438\u044f \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442\u043b\u0430\u0440\u0438\u043d\u0438\u043d\u0433, \u0445\u0443\u0441\u0443\u0441\u0430\u043d, \u0431\u0430\u043d\u043a\u043d\u0438\u043d\u0433 \u0431\u0443\u0442\u0443\u043d \u0436\u0430\u043c\u0438\u044f\u0442\u0434\u0430\u0433\u0438 \u0442\u0430\u0440\u043a\u0438\u0431\u0438\u0439 \u045e\u0437\u0433\u0430\u0440\u0438\u0448\u043b\u0430\u0440 \u0448\u0430\u0440\u043e\u0438\u0442\u0438\u0434\u0430 \u0440\u0438\u0432\u043e\u0436\u043b\u0430\u043d\u0438\u0448 \u049b\u043e\u043d\u0443\u043d\u0438\u044f\u0442\u043b\u0430\u0440\u0438 \u0432\u0430 \u045e\u0437\u0438\u0433\u0430 \u0445\u043e\u0441 \u0445\u0443\u0441\u0443\u0441\u0438\u044f\u0442\u043b\u0430\u0440\u0438 \u0430\u043d\u0438\u049b\u043b\u0430\u043d\u0434\u0438.<\/p>\n\n\n\n<p><strong>\u041a\u0430\u043b\u0438\u0442 \u0441\u045e\u0437\u043b\u0430\u0440: <\/strong>\u0431\u0430\u043d\u043a, \u0442\u0438\u0436\u043e\u0440\u0430\u0442 \u0431\u0430\u043d\u043a\u0438, \u0431\u0430\u043d\u043a \u0438\u0448\u0438, \u0431\u0430\u043d\u043a \u0444\u0430\u043e\u043b\u0438\u044f\u0442\u0438 \u043a\u043e\u043d\u0446\u0435\u043f\u0446\u0438\u044f\u0441\u0438, \u0431\u0430\u043d\u043a \u044f\u0445\u043b\u0438\u0442\u043b\u0438\u0433\u0438, \u0431\u0430\u043d\u043a \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f\u0441\u0438, \u0443\u0441\u0442\u0443\u0432\u043e\u0440 \u0431\u0430\u043d\u043a \u0445\u0438\u0437\u043c\u0430\u0442\u043b\u0430\u0440\u0438, \u0431\u0430\u043d\u043a \u0445\u0438\u0437\u043c\u0430\u0442\u043b\u0430\u0440\u0438 \u0434\u0440\u0430\u0439\u0432\u0435\u0440\u043b\u0430\u0440\u0438, \u0431\u0430\u043d\u043a \u0445\u0438\u0437\u043c\u0430\u0442\u043b\u0430\u0440\u0438\u043d\u0438 \u0440\u0430\u049b\u0430\u043c\u043b\u0430\u0448\u0442\u0438\u0440\u0438\u0448, \u0442\u0430\u0448\u043a\u0438\u043b\u0438\u0439 \u0439\u045e\u043d\u0430\u043b\u0442\u0438\u0440\u0438\u043b\u0433\u0430\u043d \u043c\u043e\u0434\u0435\u043b\u044c, \u043c\u0438\u0436\u043e\u0437\u0433\u0430 \u0439\u045e\u043d\u0430\u043b\u0442\u0438\u0440\u0438\u043b\u0433\u0430\u043d \u043c\u043e\u0434\u0435\u043b\u044c, \u0440\u0435\u0444\u0435\u0440\u0435\u043d\u0442\u043b\u0438 \u043c\u043e\u0434\u0435\u043b\u044c, \u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0441 \u0431\u0438\u0437\u043d\u0435\u0441 \u043c\u043e\u0434\u0435\u043b, \u0433\u043b\u043e\u0431\u0430\u043b \u043c\u0443\u04b3\u0438\u0442.<\/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\/11\/15.-\u0411\u0430\u0439\u043c\u0443\u0440\u0430\u0442\u043e\u0432\u0430-\u041c\u0430\u0434\u0438\u043d\u0430-\u0422\u0443\u0440\u0441\u0443\u043d\u0431\u043e\u0439-\u049b\u0438\u0437\u0438.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of 15.-\u0411\u0430\u0439\u043c\u0443\u0440\u0430\u0442\u043e\u0432\u0430-\u041c\u0430\u0434\u0438\u043d\u0430-\u0422\u0443\u0440\u0441\u0443\u043d\u0431\u043e\u0439-\u049b\u0438\u0437\u0438.\"><\/object><a id=\"wp-block-file--media-a38a3ff1-0fde-438b-bc64-13303c836b82\" href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/11\/15.-\u0411\u0430\u0439\u043c\u0443\u0440\u0430\u0442\u043e\u0432\u0430-\u041c\u0430\u0434\u0438\u043d\u0430-\u0422\u0443\u0440\u0441\u0443\u043d\u0431\u043e\u0439-\u049b\u0438\u0437\u0438.pdf\">15.-\u0411\u0430\u0439\u043c\u0443\u0440\u0430\u0442\u043e\u0432\u0430-\u041c\u0430\u0434\u0438\u043d\u0430-\u0422\u0443\u0440\u0441\u0443\u043d\u0431\u043e\u0439-\u049b\u0438\u0437\u0438<\/a><a href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/11\/15.-\u0411\u0430\u0439\u043c\u0443\u0440\u0430\u0442\u043e\u0432\u0430-\u041c\u0430\u0434\u0438\u043d\u0430-\u0422\u0443\u0440\u0441\u0443\u043d\u0431\u043e\u0439-\u049b\u0438\u0437\u0438.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-a38a3ff1-0fde-438b-bc64-13303c836b82\">Download<\/a><\/div>\n\n\n\n<p><strong>\u0410\u0434\u0430\u0431\u0438\u0451\u0442\u043b\u0430\u0440 \u0440\u045e\u0439\u0445\u0430\u0442\u0438<\/strong><\/p>\n\n\n\n<p>1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \u040e\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u043e\u043d \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0430\u0441\u0438 \u041f\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u0438\u043d\u0438\u043d\u0433 \u0424\u0430\u0440\u043c\u043e\u043d\u0438, 2020 &#8211; 2025 \u0439\u0438\u043b\u043b\u0430\u0440\u0433\u0430 \u043c\u045e\u043b\u0436\u0430\u043b\u043b\u0430\u043d\u0433\u0430\u043d \u040e\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u043e\u043d \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0430\u0441\u0438\u043d\u0438\u043d\u0433 \u0431\u0430\u043d\u043a \u0442\u0438\u0437\u0438\u043c\u0438\u043d\u0438 \u0438\u0441\u043b\u043e\u04b3 \u049b\u0438\u043b\u0438\u0448 \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u044f\u0441\u0438 \u0442\u045e\u0493\u0440\u0438\u0441\u0438\u0434\u0430,12.05.2020 \u0439\u0438\u043b\u0434\u0430\u0433\u0438 \u041f\u0424-5992-\u0441\u043e\u043d. \/\/https:\/\/lex.uz\/docs\/4811037.<\/p>\n\n\n\n<p>2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \u0413\u0440\u0438\u0431\u0430\u043d\u043e\u0432 \u042e. \u0418. \u0426\u0438\u0444\u0440\u043e\u0432\u0430\u044f \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f \u0441\u043e\u0446\u0438\u0430\u043b\u044c\u043d\u043e-\u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u0441\u0438\u0441\u0442\u0435\u043c \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u044f \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442\u0430 \u0441\u0435\u0440\u0432\u0438\u0441\u043d\u043e\u0439 \u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u0438: \u0434\u0438\u0441. \u2026 \u0434-\u0440\u0430 \u044d\u043a\u043e\u043d. \u043d\u0430\u0443\u043a. \u0421\u041f\u0431., 2019.&nbsp; -355 \u0441.;<\/p>\n\n\n\n<p>3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \u0414\u0435\u043c\u0438\u043d\u0430 \u0415.\u0418., \u0413\u0440\u0435\u0431\u0435\u043d\u044e\u043a \u0422.\u0413., \u0422\u0435\u043b\u0435\u0433\u0438\u043d \u0410.\u0412. \u041f\u0440\u043e\u0431\u043b\u0435\u043c\u044b \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u044f \u044e\u0440\u0438\u0434\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u0438 \u0444\u0438\u0437\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u043b\u0438\u0446. \/\/ \u041c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u0439 \u0436\u0443\u0440\u043d\u0430\u043b \u043f\u0440\u0438\u043a\u043b\u0430\u0434\u043d\u044b\u0445 \u0438 \u0444\u0443\u043d\u0434\u0430\u043c\u0435\u043d\u0442\u0430\u043b\u044c\u043d\u044b\u0445 \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u0439. &#8211; 2016. &#8211; \u2116 7-3. &#8211; \u0421. 450-453.<\/p>\n\n\n\n<p>4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \u041a\u0440\u0438\u0432\u043e\u0448\u0430\u043f\u043e\u0432\u0430 \u0421.\u0412., \u041b\u0430\u0442\u0432\u0438\u043d \u0415.\u0410. \u0410\u043a\u0442\u0443\u0430\u043b\u044c\u043d\u044b\u0435 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u044b \u0438 \u043f\u0435\u0440\u0441\u043f\u0435\u043a\u0442\u0438\u0432\u044b \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u044f \u0440\u0430\u0441\u0447\u0435\u0442\u043d\u043e-\u043a\u0430\u0441\u0441\u043e\u0432\u044b\u0445 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0439 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u043c\u0438 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u044f\u043c\u0438 \u0420\u0424. \/\/\u042d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0439 \u043d\u0430\u0443\u0447\u043d\u043e-\u043f\u0440\u0430\u043a\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0436\u0443\u0440\u043d\u0430\u043b \u00ab\u0421\u043e\u0432\u0440\u0435\u043c\u0435\u043d\u043d\u044b\u0435 \u043d\u0430\u0443\u0447\u043d\u044b\u0435 \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u044f \u0438 \u0438\u043d\u043d\u043e\u0432\u0430\u0446\u0438\u0438\u00bb.\/\/ https:\/\/web.snauka.ru\/issues\/2014\/11\/41074.<\/p>\n\n\n\n<p>5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \u0412\u0430\u0441\u0438\u043b\u044c\u0435\u0432\u0430, \u0422.\u0410. \u041a\u043e\u043d\u0446\u0435\u043f\u0446\u0438\u044f \u0431\u0430\u043d\u043a. 3.0: \u0413\u043b\u043e\u0431\u0430\u043b\u044c\u043d\u044b\u0435 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0438 \u0438 \u043f\u043e\u0441\u043b\u0435\u0434\u0441\u0442\u0432\u0438\u044f \/\/ Open Journal Systems. [\u042d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0439 \u0440\u0435\u0441\u0443\u0440\u0441]. &#8211; URL: http:\/\/fkd.org.ua\/article\/view\/107714\/105099.<\/p>\n\n\n\n<p>6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \u0410\u0437\u043b\u0430\u0440\u043e\u0432\u0430, \u0410., &amp; \u0420\u0430\u0445\u043c\u0430\u0442\u0443\u043b\u043b\u0430\u0435\u0432\u0430, \u041c. (2022). \u0422\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u0441\u0435\u043a\u0442\u043e\u0440\u0430 \u2013 \u043d\u0435\u043e\u0442\u044a\u0435\u043c\u043b\u0435\u043c\u0430\u044f \u0447\u0430\u0441\u0442\u044c \u043f\u0440\u043e\u0446\u0435\u0441\u0441\u0430 \u0441\u0442\u0430\u043d\u043e\u0432\u043b\u0435\u043d\u0438\u044f \u0446\u0438\u0444\u0440\u043e\u0432\u043e\u0439 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0438 \u0432 \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0435 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d. \u041d\u0430\u0443\u043a\u0430 \u0438 \u043d\u0430\u0443\u0447\u043d\u044b\u0439 \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0430\u043b: \u043e\u0441\u043d\u043e\u0432\u0430 \u0443\u0441\u0442\u043e\u0439\u0447\u0438\u0432\u043e\u0433\u043e \u0438\u043d\u043d\u043e\u0432\u0430\u0446\u0438\u043e\u043d\u043d\u043e\u0433\u043e \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u044f \u043e\u0431\u0449\u0435\u0441\u0442\u0432\u0430, 1(1), 34\u201337.\/\/ https:\/\/doi.org\/10.47689\/inlibrary-sspbsids-2022&nbsp;<\/p>\n\n\n\n<p>7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \u041c\u0438\u0440\u0437\u0430\u0435\u0432 \u0424.\u0418. \u041a\u043e\u043d\u0446\u0435\u043f\u0442\u0443\u0430\u043b\u044c\u043d\u044b\u0435 \u043e\u0441\u043d\u043e\u0432\u044b \u0444\u043e\u0440\u043c\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0439 \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0446\u0438\u0438 \u0432 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d\u0435: \u0410\u0432\u0442\u043e\u0440\u0435\u0444\u0435\u0440\u0430\u0442 \u0434\u0438\u0441. \u043d\u0430 \u0441\u043e\u0438\u0441. \u0443\u0447. \u0441\u0442\u0435\u043f. \u0434\u043e\u043a\u0442\u043e\u0440\u0430 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u043d\u0430\u0443\u043a. -\u0422., 2011. -38 \u0441.<\/p>\n\n\n\n<p>8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \u0411\u0435\u0440\u0434\u0438\u044f\u0440\u043e\u0432 \u0411.\u0422. \u0414\u043e\u0445\u043e\u0434\u043d\u043e\u0441\u0442\u044c \u0430\u043a\u0442\u0438\u0432\u043d\u044b\u0445 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0439 \u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u0445 \u0431\u0430\u043d\u043a\u043e\u0432: \u0410\u0432\u0442\u043e\u0440\u0435\u0444\u0435\u0440\u0430\u0442 \u0434\u0438\u0441. \u043d\u0430 \u0441\u043e\u0438\u0441. \u0443\u0447. \u0441\u0442\u0435\u043f. \u043a\u0430\u043d\u0434\u0438\u0434\u0430\u0442\u0430 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u043d\u0430\u0443\u043a. -\u0422., 2002. -20 \u0441.<\/p>\n\n\n\n<p>9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \u042d\u0440\u0434\u043e\u043d\u0430\u0435\u0432 \u0410. \u0422\u0435\u043e\u0440\u0435\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u043e\u0441\u043d\u043e\u0432\u044b \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0438 \u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u0445 \u0431\u0430\u043d\u043a\u043e\u0432. \/\/ \u00ab\u0420\u044b\u043d\u043e\u043a, \u0434\u0435\u043d\u044c\u0433\u0438 \u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u00bb \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u044b\u0439 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u043d\u0430\u0443\u0447\u043d\u043e-\u043f\u0440\u0430\u043a\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0436\u0443\u0440\u043d\u0430\u043b, 4\/2023. \u0421.-3-11.<\/p>\n\n\n\n<p>10.&nbsp;&nbsp;&nbsp; 2020 &#8211; 2025 \u0439\u0438\u043b\u043b\u0430\u0440\u0433\u0430 \u043c\u045e\u043b\u0436\u0430\u043b\u043b\u0430\u043d\u0433\u0430\u043d \u040e\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u043e\u043d \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0430\u0441\u0438\u043d\u0438\u043d\u0433 \u0431\u0430\u043d\u043a \u0442\u0438\u0437\u0438\u043c\u0438\u043d\u0438 \u0438\u0441\u043b\u043e\u04b3 \u049b\u0438\u043b\u0438\u0448 \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u044f\u0441\u0438. \u040e\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u043e\u043d \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0430\u0441\u0438 \u041f\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u0438\u043d\u0438\u043d\u0433 2020 \u0439\u0438\u043b 12 \u043c\u0430\u0439\u0434\u0430\u0433\u0438 \u201c2020 &#8211; 2025 \u0439\u0438\u043b\u043b\u0430\u0440\u0433\u0430 \u043c\u045e\u043b\u0436\u0430\u043b\u043b\u0430\u043d\u0433\u0430\u043d \u040e\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u043e\u043d \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0430\u0441\u0438\u043d\u0438\u043d\u0433 \u0431\u0430\u043d\u043a \u0442\u0438\u0437\u0438\u043c\u0438\u043d\u0438 \u0438\u0441\u043b\u043e\u04b3 \u049b\u0438\u043b\u0438\u0448 \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u044f\u0441\u0438 \u0442\u045e\u0493\u0440\u0438\u0441\u0438\u0434\u0430\u201d \u041f\u0424-5992-\u0441\u043e\u043d \u0424\u0430\u0440\u043c\u043e\u043d\u0438\u043d\u0438\u043d\u0433 1-\u0438\u043b\u043e\u0432\u0430\u0441\u0438. \/\/https:\/\/lex.uz\/docs. \/4811037.<\/p>\n\n\n\n<p>11.&nbsp;&nbsp;&nbsp;&nbsp; \u0412\u043d\u0438\u043c\u0430\u043d\u0438\u0435 \u043a \u043a\u043b\u0438\u0435\u043d\u0442\u0443 \u2212 \u043e\u0441\u043d\u043e\u0432\u0430 \u0440\u0430\u0431\u043e\u0442\u044b: \u0432 \u0421\u0431\u0435\u0440\u0431\u0430\u043d\u043a\u0435 \u0440\u0430\u0441\u0441\u043a\u0430\u0437\u0430\u043b\u0438 \u043e \u043f\u0440\u0438\u043d\u0446\u0438\u043f\u0430\u0445 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0446\u0435\u043d\u0442\u0440\u0438\u0447\u043d\u043e\u0441\u0442\u0438 &#8211; \u0420\u0418\u0410\u041c\u041e (riamo.ru). \/\/ https:\/\/riamo.ru\/article\/288179.<\/p>\n\n\n\n<p>12.&nbsp;&nbsp;&nbsp; Gabler, W. Homo economicus [\u042d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0439 \u0440\u0435\u0441\u0443\u0440\u0441]. \u2013 URL: http:\/\/wirtschaftslexikon. gabler.de \/Definition \/homo-oeconomicus.html.<\/p>\n\n\n\n<p>13.&nbsp;&nbsp;&nbsp; \u0422\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0445 \u0443\u0441\u043b\u0443\u0433 \u0432 \u0443\u0441\u043b\u043e\u0432\u0438\u044f\u0445 \u0433\u043b\u043e\u0431\u0430\u043b\u044c\u043d\u043e\u0439 \u043d\u0435\u0443\u0441\u0442\u043e\u0439\u0447\u0438\u0432\u043e\u0439 \u0441\u0440\u0435\u0434\u044b. \/\/https:\/\/minfin.com.ua \/2021\/04\/01\/62394387\/<\/p>\n\n\n\n<p>14.&nbsp;&nbsp;&nbsp; \u041f\u0443\u0441\u0442\u043e\u0432\u0430\u043b\u043e\u0432\u0430 \u0424.\u0410., \u0424\u0435\u0434\u043e\u0441\u043a\u0438\u043d\u0430 \u0415.\u041f. \u0414\u0438\u0434\u0436\u0438\u0442\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u044f \u043a\u0430\u043a \u043e\u0441\u043d\u043e\u0432\u043d\u0430\u044f \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u044f \u0431\u0430\u043d\u043a\u0430 3.0 \/\/ \u041d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u044f \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u0441\u0435\u043a\u0442\u043e\u0440\u0430 \u0432 \u043d\u043e\u0432\u044b\u0445 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u0443\u0441\u043b\u043e\u0432\u0438\u044f\u0445: \u0441\u0431. \u0440\u0430\u0431\u043e\u0442 \u0441\u0442\u0443\u0434\u0435\u043d\u0442\u043e\u0432, \u043c\u0430\u0433\u0438\u0441\u0442\u0440\u0430\u043d\u0442\u043e\u0432 \u0438 \u0430\u0441\u043f\u0438\u0440\u0430\u043d\u0442\u043e\u0432 \/ \u043f\u043e\u0434 \u0440\u0435\u0434. \u041d.\u042d. \u0421\u043e\u043a\u043e\u043b\u0438\u043d\u0441\u043a\u043e\u0439, \u0412.\u0415. \u041a\u043e\u0441\u0430\u0440\u0435\u0432\u0430. \u041c.: \u0420\u0443\u0441\u0430\u0439\u043d\u0441, 2017.&nbsp; \u0421-75 (\u0421. 174-181).<\/p>\n\n\n\n<p>15.&nbsp;&nbsp;&nbsp; \u0426\u0438\u0444\u0440\u043e\u0432\u0430\u044f \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f \u0431\u0438\u0437\u043d\u0435\u0441\u0430: \u043a\u0430\u043a \u0438 \u0437\u0430\u0447\u0435\u043c \u043c\u0435\u043d\u044f\u0442\u044c\u0441\u044f \u0432 digital-eru\/\/ https:\/\/vc.ru\/flood\/42092-cifrovaya-transformaciya-biznesa-kak-izachem-menyatsya-v-digital-eru<\/p>\n\n\n\n<p>16.&nbsp;&nbsp;&nbsp; \u041e\u043f\u044b\u0442 \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0438 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0439 \u0433\u0440\u0443\u043f\u043f\u044b ING. \/\/ http:\/\/ibcm.biz\/.<\/p>\n\n\n\n<p>17.&nbsp;&nbsp;&nbsp; \u0418\u0441\u0430\u0435\u0432, \u0420.\u0410. \u0420\u0435\u0444\u0435\u0440\u0435\u043d\u0442\u043d\u044b\u0435 (\u0442\u0438\u043f\u043e\u0432\u044b\u0435) \u043c\u043e\u0434\u0435\u043b\u0438 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0439 \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438. \/\/ https:\/\/www.src-master.ru\/article 25518.html<\/p>\n\n\n\n<p>18.&nbsp;&nbsp;&nbsp; \u041b\u044f\u043d\u0434\u0430\u0443, \u042e.\u0412., \u041f\u043e\u043d\u043e\u043c\u0430\u0440\u0435\u0432, \u041c.\u0410. \u041a\u043e\u043d\u0446\u0435\u043f\u0446\u0438\u0438 \u043c\u043e\u0434\u0435\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0431\u0438\u0437\u043d\u0435\u0441-\u043f\u0440\u043e\u0446\u0435\u0441\u0441\u043e\u0432 \/\/ \u0412\u0435\u0441\u0442\u043d\u0438\u043a \u0418\u0436\u0413\u0422\u0423. \u2013 2013. &#8211; \u2116 2(58). \u0421. 85 (\u2013 \u0421. 84-87).<\/p>\n\n\n\n<p>19.&nbsp;&nbsp;&nbsp; \u0418\u0441\u0430\u0435\u0432, \u0420.\u0410. \u0411\u0438\u0437\u043d\u0435\u0441-\u043c\u043e\u0434\u0435\u043b\u044c \u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0430. \/\/https:\/\/www.cfin.ru\/management \/practice\/bank_bmodel. Shtml.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0411\u0430\u0439\u043c\u0443\u0440\u0430\u0442\u043e\u0432\u0430 \u041c\u0430\u0434\u0438\u043d\u0430 \u0422\u0443\u0440\u0441\u0443\u043d\u0431\u043e\u0439 \u049b\u0438\u0437\u0438 \u0422\u043e\u0448\u043a\u0435\u043d\u0442 \u043c\u043e\u043b\u0438\u044f \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442\u0438 \u0434\u043e\u043a\u0442\u043e\u0440\u0430\u043d\u0442\u0438 (PhD) Email: madinnn23@gmail.comhttps:\/\/orcid.org\/0000-0002-2414-2324 \u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f \u041c\u0430\u049b\u043e\u043b\u0430\u0434\u0430 \u0431\u0430\u043d\u043a \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f\u0441\u0438 \u0448\u0430\u0440\u043e\u0438\u0442\u0438\u0434\u0430 \u0442\u0438\u0437\u0438\u043c\u043b\u0438 \u0442\u0430\u0440\u043c\u043e\u049b \u0445\u0438\u0437\u043c\u0430\u0442\u043b\u0430\u0440\u0438\u043d\u0438 \u043a\u045e\u0440\u0441\u0430\u0442\u0438\u0448\u0433\u0430 \u049b\u045e\u0439\u0438\u043b\u0430\u0451\u0442\u0433\u0430\u043d \u0442\u0430\u043b\u0430\u0431\u043b\u0430\u0440 \u043a\u045e\u043f \u043a\u0430\u043d\u0430\u043b\u043b\u0438 \u044d\u043a\u0430\u043d\u043b\u0438\u0433\u0438, \u0441\u0430\u043c\u0430\u0440\u0430\u0434\u043e\u0440\u043b\u0438\u043a, \u0448\u0430\u0444\u0444\u043e\u0444\u043b\u0438\u043a, \u0430\u043d\u0438\u049b\u043b\u0438\u043a \u0438\u043d\u043d\u043e\u0432\u0430\u0446\u0438\u043e\u043d \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u044f\u043b\u0430\u0440\u043d\u0438 \u0436\u043e\u0440\u0438\u0439 \u044d\u0442\u0438\u0448\u043d\u0438 \u0440\u0430\u0493\u0431\u0430\u0442\u043b\u0430\u043d\u0442\u0438\u0440\u0430\u0451\u0442\u0433\u0430\u043d\u0438 \u049b\u0430\u0439\u0434&#46;&#46;&#46;<\/p>\n","protected":false},"author":1,"featured_media":435,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-432","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 - 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