Raqamli texnologiyalar va iqtisodiyot: zamonaviy muammolari va istiqbollari mavzusida Respublika ilmiy-amaliy

Respublika ilmiy-amaliy konferensiyasi 24-25-aprel, 2024-yil HEWXPEFOMVIWYVWXEPEFPEVMRMS ^KEVXMVWETPEXJSVQEMPSZEYGLYRUS WLMQGLEVIWYVWPEVRMENVEXEHM ]SOM JS]HEPERMPQEKER QE PYQSXPEV QEVOE^M VIWYVWPEVMRM OEQE]XMVEHM 4EE7 \M^QEXKE ]S REPXMVMPKERTPEXJSVQE QSHIPMMPSZEZEMRJVEXY^MPQERMRKFS PMRMWLMFMPERXEZWMJPEREHM-WLPEF GLMUYZGLM WLYRGLEOM MPSZE YGLYR ^EVYV FS PKER VIWYVWPEV QMUHSVMRM ERMUPE]HM ZE WS VEPKER VIWYVWPEVRM XEUHMQ IXMWL YPEVRM FSWLUEVMWL HMREQMO NS]PEWLXMVMWL QSRMXSVMRK ZE QEWWLXEFPEWL FS ]MGLE FEVGLE LEVEOEXPEV S ^S ^MHER EQEPKE SWLMVMPEHM &YPYXPM XI\RSPSKM]EPEVRM QYWXEUMP VEZMWLHES VKERMWLRM ]SOM FYPYXPM LMWSFPEWL PS]MLEPEVMHEMWLPEWLRM MWXEKERXEPEFEPEVYGLYR1MGVSWSJXWLYRMRKHIO;MRHS[W%^YVIKEFITYPOMVMWLRMXEOPMJUMPEHM FYIWES UYZNEVE]SRMKEGLIOPSZPEVWM^US WLMPMWLMQYQOMR3 UMXYZGLMS]PMONSVM]IXMWLHEZVM XEOMGLMOLMWSFPEWLXYKYRPEVM+&\SXMVE\M^QEXEZXSFYWMKEYPERMWL750%WYVI;IF )HMXMSR +& XEPEFEPEVMWLFENEVMPHM/MVMWLFYPYXPMXI\RSPSKM]EPEV7EE7FM^RIWNEVE]SRPEVMHE FYPYXPMXI\RSPSKM]EPEVEQEPHE9QYQM]RYUXEMOMVMWLFYPYXPMXI\RSPSKM]EOSRXWITXWM]EWMRMRK QSLM]EXM S\MVKM JS]HEPERYZGLMPEVKE -RXIVRIX SVUEPM \M^QEXPEV LMWSFPEWL VIWYVWPEVM ZE MPSZEPEVKE WLY NYQPEHER STIVEXWMSR XM^MQPEV ZE MRJVEXY^MPQE QEWSJEHER HMREQMO OMVMWLRM XE QMRPEWLHMV <SWXMRK WERSEXMRMRK VMZSNPERMWLM HEWXYVM] XE QMRSX ZE VEUEQPM \M^QEXPEVKE XEPEFRMOIPXMVMFGLMUEVHMYPEVY]HEFSWLUEVMPMWLMQYQOMREQQS\EVENEXPEVRMOEQE]XMVMWLZE QMU]SWRM OIRKE]XMVMWL RYUXEM RE^EVMHER WEQEVEPMVSU /S TKMRE \M^QEX OS VWEXYZGLM TVSZE]HIVPEV :47 LSWXMRK YQYQM] LSWXMRK ZE 7EE7 \M^QEX WMJEXMHE HEWXYVM] XE QMRSX OS VMRMWLMHEKM FYPYXPM LMWSFPEWLRM XEOPMJ UMPMWLEHM 1MGVSWSJX XSQSRMHER NS]PEWLXMVMPKER )\GLERKIZE7LEVI4SMRXOEFMFYPYXPM\M^QEXPEVFMVQYRGLEZEUXHERFIVM7EE7WMJEXMHEXEUHMQ IXMPKER &YPYXPM LMWSFPEWL XI\RSPSKM]EWM YPOER WEPSLM]EXKE IKE IOERPMKMRM XER SPMWL OIVEO &YRMRKWEFEFMWLYRHEOMFEVGLE^EQSREZM]OSQT]YXIVQELWYPSXPEVMOSQT]YXIVPEVRMXI\RMO NMLS^PEWLKE XSFSVE ]YUSVM XEPEFPEVKE IKE FS PMF FY QYUEVVEV VEZMWLHE YPEVRM ]ERKMPEWL \EVENEXPEVMKESPMFOIPEHM3 ]MRWERSEXMHEXM^MQVIWYVWPEVMKEFS PKERXEPEFPEVE]RMUWE]YUSVM 7LYRMRK YGLYR XI\RSPSKM]E S\MVKM JS]HEPERYZGLMPEVRMRK VIWYVWPEVKE FS PKER ILXM]SNMRMRK SVXMUGLEFS PMWLMQYEQQSWMRMLEPUMPMWLMQYQOMR VEWQ%WSWM]FYPYXPM\MWSFPEWLbo’yichaQSHIPPEV?A &YPYXPM XI\RSPSKM]EPEV FM^RIW NEVE]SRPEVMHE OSQT]YXIV FYPYXPEVM 501

Respublika ilmiy-amaliy konferensiyasi 24-25-aprel, 2024-yil QE PYQSXPEV QEVOE^PEVMHE NS]PEWLKER QMRKPEF WIVZIVPEVHER MFSVEX FS PMF QMPPMSRPEF JS]HEPERYZGLMPEV XSQSRMHER FMV ZEUXRMRK S ^MHE MWLPEXMPEHMKER S R QMRKPEF MPSZEPEVRM FSWLUEVEHM &YRHE] OEXXE MRJVEXY^MPQERM WEQEVEPM FSWLUEVMWL YGLYR YRM MPSNM FSVMGLE EZXSQEXPEWLXMVMPKER UMPMWL OIVEO &YRHER XEWLUEVM LEV \MP XYVHEKM JS]HEPERYZGLMPEV FYPYX STIVEXSVPEVM \M^QEX OS VWEXYZGLM TVSZE]HIVPEV WSXYZGLMPEV MX QE QYVPEVM ZE MPSZE JS]HEPERYZGLMPEVM YGLYR LMWSFPEWL VIWYVWPEVMKE \EZJWM^ OMVMWLRM XE QMRPEWL YGLYR FYPYXPM MRJVEXY^MPQES ^MRMS ^MFSWLUEVMWLZEZEOSPEXPEVRMXSTWLMVMWLRMXE QMRPEWLMOIVEO9S ^MRMS ^M FSWLUEVMWL ZE HIPIKEXWM]E UMPMWLKE USHMV FS PMWLM OIVEO &YPYXPM LMWSFPEWL OSRXWITXWM]EWM MPSZEPEVRM]IXOE^MFFIVMWLFSWLUEVMWLZEMRXIKVEXWM]EPEWLRMRKER EREZM]]SRHEWLYZMRMWI^MPEVPM HEVENEHE S ^KEVXMVHM %R EREZM] ]SRHEWLYZPEV FMPER XEUUSWPEKERHE FYPYXPM LMWSFPEWL OEXXE MRJVEXY^MPQEPEVRM FSWLUEVMWL FMXXE FYPYXHE XYVPM \MP JS]HEPERYZGLMPEV KYVYLPEVMKE \M^QEX OS VWEXMWL ZE FYPYXPM TVSZE]HIVKE XS PMU FSK PMUPMORMS ^ MGLMKE SPEHM &MVSU FYRHE]UEVEQPMO JEUEX RE^EVM]HMV GLYROM EKEV TVSZE]HIVPEV LIGL FS PQEKERHE QE PYQSXPEVRM S K MVPEWL TVIXWIHIRXMKE]S PUS ]WEPEVFYFYXYRY^SUSF IOXPEVRMIXOE^MFFIVMWLWERSEXMKENMHHM]^EVEV IXOE^MWLMQYQOMR&YPYXPMLMWSFPEWLQYWXEUMPHEWXYVM]XE QMRSXMWLPEFGLMUEVYZGLMPEVM -7: XIPIOSQQYRMOEXWM]E OSQTERM]EPEVM ZE ZEV 7EE7 XYVM YGLYR OYGLPM ZSWMXE FS PMF HEVSQEHPEVRMSWLMVMWLZEWEZHSOEREPPEVMRMOIRKE]XMVMWLMQOSRMRMFIVEHM9WLFY]SRHEWLYZ JS]HEPERYZGLMPEVKE\M^QEXPEVRMHMREQMOVEZMWLHEXEOPMJUMPMWLREWLVPEVYGLYRTYPXS PEWLZE VIWYVWPEVRM Y^SU QYHHEXPM QENFYVM]EXPEVWM^ LEUMUM] ILXM]SNPEVMKE QSWPEWLXMVMWL MQOSRMRM FIVEHM <SWXPEV YGLYR FYPYXPM LMWSFPEWL YPOER S WMWL MQOSRM]EXPEVMRM XEUHMQ IXEHM &YPYXPM LMWSFPEWL WERSEXM NEHEP VMZSNPERQSUHE XELPMPGLMPEV ]MPKE OIPMF MX \EVENEXPEVM FEVGLE \EVENEXPEVRMRK JSM^MRM XEWLOMP IXMWLMRM XE\QMR UMPMWLQSUHE &YRHER XEWLUEVM WERSEX \SWXMRKHERFYPYXPMLMWSFPEWLZE7EEWKES XMWLRMXI^PEWLXMVQSUHEZEQMNS^PEVFY]S REPMWLHE LEVEOEXUMPMWLPEVMRMOYXMWLQSUHE&YPYXHERJS]HEPERMWLRMRKEWSWM]EJ^EPPMKMWLYRHEOMS\MVKM JS]HEPERYZGLM OYGLPM XM^MQKE IKE FS PMWLM WLEVX IQEW FY EPFEXXE \EVENEXPEVRM WI^MPEVPM HEVENEHE XINEWLKE SPMF OIPEHM MOOMRGLM EJ^EPPMO WLYRHEOM FEVGLE OMVYZGLM XVEJMO ZEOSPEXPM TVSZE]HIV XSQSRMHER FSWLUEVMPEHM WLYRMRK YGLYR TMVEX XEVOMFHER JS]HEPERMWL QYQOMR IQEW &Y WLYRHE] 7LYRHE] UMPMF FYKYRKM OYRHE OSQT]YXIV WSLEWMHEKM IRK KPSFEP QYEQQSPEVHERFMVMUEVSUGLMPMORMLEPUMPMWLQYQOMR4EVEPPIPWQE PYQSXPEVMKEOS VEOI]MRKM FIWLS R]MPMGLMHEOS TGLMPMOMXPEVFIWLXYVHEKMFYPYXPEVKES XEHM+SSKPI XSMJE 1MGVSWSJX XSMJE ZE FSWLUE ]MVMO MXOSQTERM]EPEV XSMJE -&1 %TTPI ,4 ZE %QE^SR OEFM XYVPM TPEXJSVQEPEVYGLYR\M^QEXOS VWEXEHMKER\YWYWM]TPEXJSVQEFYPYXPEVMKEIKEFS PEHM1MRKPEF FYPYXPMTVSZE]HIVPEVOIRKOS PEQPM\M^QEXPEVRMXEOPMJUMPEHMKER\M^QEXFYPYXPEVM XSMJE LEQ TE]HSFS PEHM1EWEPERZIFMPSZEPEVRMNS]PEWLXMVMWLZIVXMOEPMRXIKVEXWM]EPEWLKERXEWLOMPSXPEV QEWEPERHEZPEXXMFFM]SX -RXIVRIXTVSZE]HIVPEV QEWEPERFM^RIWRMWXVEXIKMOVMZSNPERXMVMWL QMNS^PEVRM US PPEFUYZZEXPEWL XM^MQPEVM ZE XIPIOSQQYRMOEXWM]E \M^QEXPEVM SZS^PM TSGLXE :S-4 :E RMLS]EX -8 1EREKIQIRX )RXIVTVMWI 'PSYH XSMJE QEZNYH FS PMF Y MGLOM JS]HEPERMWLWLYRMRKHIO\SHMQPEVZEWLIVMOPEVJS]HEPERMWLMYGLYR\M^QEXPEVRMXEUHMQIXEHM 4PEXJSVQEFYPYXPEVMXSMJE1MGVSWSJXFYPYXMXSMJEFSWLUEFYPYXPEV QEWEPER-&1%TTPI %QE^SR *EGIFSSO %HSFI \M^QEX FYPYXPEVM XSMJE \M^QEX OS VWEXYZGLM TVSZE]HIVPEV FYPYXPEVM XEWLYZGLMPEV ZIF\SWXPEV -RXIVRIXTVSZE]HIVPEV 7EE7 XSMJE XSMJE FYKYRKM OYRHE ]MVMO OSV\SREPEVRMRK MGLOM FYPYXPEVM *SVXYRI VEUSFEXFEVHSWL MX FS^SVMHE QYZEJJEUM]EX OEPMXM XSMJE ]SOM XSMJE FYPYXHE EYXWSVWMRK UMPMWLHMV 1YEQQSRM LEP UMPMWL 502

Respublika ilmiy-amaliy konferensiyasi 24-25-aprel, 2024-yil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–%QEPKESWLMVMWLQYHHEXMUMWUEVSU3WSROMVMWL FITYPWMRSZPEVQEZNYH &EVGLE\M^QEXOS VWEXMWLZEXM^MQRM]ERKMPEWL7EE7TVSZE]HIVMRMRK ]IPOEWMKE XYWLEHM *S]HEPERYZGLMPEVRMRK XS PMU LEVEOEXGLERPMKM JEUEX MRXIVRIXKE YPERMWL HMETE^SRMFMPERGLIOPERKER+ISKVEJMONMLEXHERXEUWMQPERKEROSQTERM]EPEVZEQEWSJEZM] \SHMQPEVRM US PPEFUYZZEXPEWL *S]HEPERYZGLM OSQT]YXIVMRMRK OEQ UYZZEX WEVJM 3 ^EVS JESPM]EX TPEXJSVQE 7EE7RMRK OEQGLMPMOPEVM XMNSVEX QE PYQSXPEVMRM YGLMRGLM XSQSR TVSZE]HIVPEVMKE Y^EXMWL \EZJWM^PMKM TEWX XI^PMO ZE -RXIVRIX Y^MPMWLPEVM XYJE]PM OMVMWLRMRK MWLSRGLWM^PMKM QYUSFMP 7EE7 XI\RSPSKM]EPEVM TE]HS FS PQSUHE 9PEV ER EREZM] HEWXYVM] XE QMRSXHER7EEWKES XMWLRMRKSVEPMUZEVMERXPEVMFS PMFXI^SVEHE]S UFS PMFOIXMWLMQYQOMR 77FY1MGVSWSJXXSQSRMHERMPKEVMWYVMPKERQYUSFMPFVIRHFS PMFY7EE7HERJEVUUMPEHM GLYROMYFVEY^IVHERIQEWFEPOMJS]HEPERYZGLMOSQT]YXIVMHEKMHEWXYVM]XE QMRSXQMNS^MHER JS]HEPEREHM &YPYXPMXI\RSPSKM]EPEVHERJS]HEPERMWL]MPHE;MRHS[W%^YVIXMNSVEXXM^MQM FMPERI PSR UMPMRKER %R EREZM] STIVEXWMSR XM^MQPEV WMRKEVM ;MRHS[W %^YVI LEQ HEWXYVPEVRM MWLKE XYWLMVMWL ZE QE PYQSXPEVRM WEUPEWLKE MQOSR FIVEHM EQQS FY JS]HEPERYZGLM OSQT]YXIVMHEIQEWFEPOMLMWSFPEWLFYPYXMHEEQEPKESWLMVMPEHM;MRHS[W%^YVISTIVEXWMSR XM^MQM ;MRHS[W %^YVITPEXJSVQEWMRMRKFMVUMWQMFS PMFIPIQIRXPEVRMS ^MGLMKESPKERFYPYXPM HEWXYVM]XE QMRSXRMMWLPEF GLMUMWLXI\RSPSKM]EPEVMKYVYLMHMV;MRHS[W%^YVIFYHEWXYVPEVRM MWLKE XYWLMVMWL YGLYR ;MRHS[W QYLMXMRM ZE 1MGVSWSJX QE PYQSXPEV QEVOE^PEVMHE QE PYQSXPEVRM WEUPEWL 750 %^YVI 750 WIVZIVKE EWSWPERKER VIP]EXWMSR QE PYQSXPEV FE^EWMRM XEUHMQ IXEHM 750 %^YVI 750 WIVZIVKE EWSWPERKER VIP]EXWMSR QE PYQSXPEV FE^EWMRM XEUHMQ IXEHM 1E PYQSXPEV FYPYXHE LEQ OSV\SRE HIZSVMHE LEQ WEUPERMWLM QYQOMR EQQS ;MRHS[W %^YVI HEWXYVPEVM FMPER S ^EVS EPSUEHEFS PKERHE ;MRHS[W %^YVI 4PEXJSVQ %TT*EFVMG FYPYXHE LEQ ER EREZM] QYLMXHE ? A LEQ MWLPE]HMKER HEWXYVPEVRM FMVPEWLXMVEHM ZE \EZJWM^ QE PYQSXPEVRM Y^EXMWLRM XE QMRPE]HM 2SQMHEKM S \WLEWLPMOPEVKE UEVEQE] *EFVMG ZE %TT*EFVMG FMV \MP IQEW &MVMRGLMWM FYPYXPM 37 MGLMHEKM NMWQSRM]QEWLMREPEVRMRKS ^EVSXE WMVMMOOMRGLMWMXYVPMQYLMXPEVHEMWLPE]HMKERHEWXYVPEVRMRK S ^EVS XE WMVM ;MRHS[W %^YVI 37RMRK S ^M LMWSFPEWL \M^QEXM WEUPEWL \M^QEXM ZE *EFVMG \M^QEXMRM LEQ S ^MGLMKESPEHM&YPYXPMQYLMXHEMWLPE]HMKERMPSZEPEVS VXEWMHES ^EVSEPSUERM XE QMRPE]HMKER \M^QEX ZE QEXS&MVFMVMKE FSK PERKER UMWQPEV FS PKER \M^QEX &YPYXPM 503

Respublika ilmiy-amaliy konferensiyasi 24-25-aprel, 2024-yil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и *IVR ,EPTIV 'PSYH 'SQTYXMRK *SV (YQQMIW2019 г -)))<TPSVILXXTWMIII\TPSVIMIIISVK 6ENOYQEV&Y]]E.EQIW&VSFIVK%RHV^IN+SWGMRWOM'PSYH'SQTYXMRK4VMRGMTPIWERH 4EVEHMKQW2011 г. .SI;IMRQER'PSYHSRSQMGW8LI&YWMRIWW:EPYISJ'PSYH'SQTYXMRKг. 1MGLEIP./EZMW%VGLMXIGXMRKXLI'PSYH(IWMKR(IGMWMSRWJSV'PSYH'SQTYXMRK7IVZMGI 1SHIPW 7EE74EE7ERH-EE7 2014 г. 8LSQEW)VP'PSYH'SQTYXMRK'SRGITXW8IGLRSPSK] %VGLMXIGXYVIг. 'SVRIPME(EZMW'PSYH2EXMZI4EXXIVRW(IWMKRMRK'LERKI8SPIVERX7SJX[EVIг. LXXTWMRJSGSQY^FYPYXPM\M^QEXPEVWXEXMWXMOEWM LXXTWOSQT]MRJS LXXTWG]FIVPIRMROEVY 504

Respublika ilmiy-amaliy konferensiyasi 24-25-aprel, 2024-yil LXXTWG]FIVPIRMROEVYEVXMGPIRFYPYXPMXI\RSPSKM]EPEVRMRKEJ^EPPMOPEVMZEOEQGLMPMOPEVM LXXT[[[Q]WLEVIHVYWPMHI LXXTWIFSSOXWYIY^TYFPMGIFSSOWFYPYXPMXI\RSPSKM]EPEV LXXTWOSQT]MRJSTEVWCHSGWVIJWTHJFIX LXXTWOSQT]MRJSTEVWCHSGWVIJWTHJFIX 505

Respublika ilmiy-amaliy konferensiyasi 24-25-aprel, 2024-yil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

Respublika ilmiy-amaliy konferensiyasi 24-25-aprel, 2024-yil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use: Cloud resource usage charges are often based on a “payJSV[LEX ]SYuse” model, allowing organizations to optimize IT costs and avoid the costs of unused VIWSYVGIW %GGSVHMRKXSVIWIEVGL?AXSHE]XLIVIEVIXLIJSPPS[MRKTVSFPIQWSJGPSYHXIGLRSPSKMIW (EXE WIGYVMX] 1SZMRK HEXE XS XLI GPSYH QE] MRZSPZI XLI VMWO SJ HEXE PIEOEKI SV YREYXLSVM^IHEGGIWW VIPMEFMPMX] ERH EZEMPEFMPMX] SJ WIVZMGIW YREZEMPEFMPMX] SJ XLI GPSYH GER PIEH XS FYWMRIWW HS[RXMQIERHHEXEPSWW 507

Respublika ilmiy-amaliy konferensiyasi 24-25-aprel, 2024-yil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

Respublika ilmiy-amaliy konferensiyasi 24-25-aprel, 2024-yil .YHMXL ,YV[MX^ 6SFMR &PSSV 1EVGME /EYJQER ERH *IVR ,EPTIV 'PSYH 'SQTYXMRK *SV (YQQMIW 6ENOYQEV &Y]]E .EQIW &VSFIVK %RHV^IN +SWGMRWOM 'PSYH 'SQTYXMRK 4VMRGMTPIW ERH 4EVEHMKQW 1MGLEIP./EZMW%VGLMXIGXMRKXLI'PSYH(IWMKR(IGMWMSRWJSV'PSYH'SQTYXMRK7IVZMGI 1SHIPW 7EE74EE7ERH-EE7 'SVRIPME(EZMW'PSYH2EXMZI4EXXIVRW(IWMKRMRK'LERKI8SPIVERX7SJX[EVI -)))<TPSVILXXTWMIII\TPSVIMIIISVK %'1(MKMXEP0MFVEV] +SSKPI7GLSPEVLXXTWWGLSPEVKSSKPIGSQ %QE^SRLXXTW[[[EQE^SRGSQ 509

Respublika ilmiy-amaliy konferensiyasi 24-25-aprel, 2024-yil SUG’URTA TASHKILOTLARIDA BIZNES JARAYONLARI HISOBINI %:831%80%7,8-6-0+%2%<&36388->-1-%737-(%8%7,/-05-0-7, )VKEWLIZE1YUEHHEW7LYLVEXUM^M 8SWLOIRXHEZPEXMUXMWSHM]SXYRMZIVWMXIXM&Y\KEPXIVM]ELMWSFMOEJIHVEWMXE]ERGL HSOXSVERXMQYUEHHEWIVKEWLIZE$FOVY %RRSXEXWM]E O‘zbekiston Respublikasi Prezidentining “Sug‘urta bozorini raqamlashtirish va hayot sug‘urtasi sohasini rivojlantirish bo‘yicha qo‘shimcha chora tadbirlar to‘g‘risida”gi hamda 2024 yil 1 mart kuni “Sug‘urta xizmatlari bozorini yanada VMZSNPERXMVMWLRMRK OSQTPIOW GLSVEtadbirlari to‘g‘risida”gi qarorilari sug‘urtaga sohasiga hamda raqamli texnologiyalarga qaratilayotgan e’tibor respublikamizda aholi va tadbirkorlik subyektlarining sug‘YVXE\M^QEXPEVMHERJS]HEPERMWLMRMWSHHEPEWLXMVMWLWLYRMRKHIOWSLEHE raqamlashtirishni jadallashtirish orqali sug‘urta tashkilotlari faoliyatining shaffofligini ta’minlash yo‘nalishlari belgilab olinganliginiEPSLMHEXEOMHPEWLPS^MQHIFLMWSFPE]QM^ /EPMX so‘z: Avtomatlashtirilgan axborot tizimi, Sug‘urta, Boshqaruv hisobi, &Y\KEPXIVM]ELMWSFM Raqamli texnologiyalar hayotimizning barcha sohalariga kirib kelmoqda shu o‘rinda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

Respublika ilmiy-amaliy konferensiyasi 24-25-aprel, 2024-yil SWLMVEHMKER ZE FSWLUEVYZ UEVSVSPEVMRM UEFYP UMPEHMKER XYVPM HEVENEPEVMHEKM QIRINIVPEVKE S XOE^MWLXEVXMFUSMHEPEVMXM^MQMHMV &SWLUEVYZ LMWSFM HSMVEWMHE WLEOPPERKER E\FSVSXXELPMPM] FE^E XEWLOMPSXRMRK FM^RIW NEVE]SRPEVMRM FSWLUEVMWL JYROXWM]EPEVMRM EQEPKE SWLMVMWL YGLYR EWSWHMV 7LY FMPER FMVKE QYXE\EWWMWPEV FY\KEPXIVM]E LMWSFM QE PYQSXPEVMRMRKELEQM]EXMRM UY]MHEKMGLE XE OMHPE]HMPEV FSWLUEVYZ LMWSFM FSWLUEVYZ XM^MQMHMV GLYROM YRMRK WMJEXM ZE FY\KEPXIVM]E LMWSFMHE IXEVPM HEVENEHEEOWIXMWLMFSWLUEVYZUEVSVPEVMRMRKWMJEXMRMOS TNMLEXHERSPHMRHERFIPKMPE]HM 7YK YVXE XEWLOMPSXPEVMHE FSWLUEVYZ LMWSFMRMRKXEWLOMPM]XY^MPQEWM FM^RMRK JMOVMQM^GLE FMVMRGLMREZFEXHEVEWQHEOS VWEXMPKERWYK YVXEOSQTERM]EWMJESPM]EXMRMXEZWMJPSZGLMFM^RIW NEVE]SRPEVMKE]S REPXMVMPKERFS PMWLMOIVEO Yo’ qotishlarni XEVXMFKEWSPMWL 7YK YVXE WLEVXRSQEWMRM ]YVMXMWL %RHIVVE]XMRK 7YK YVXE QELWYPSXPEVMRMWSXMWL 1EVOIXMRK 7YK YVXEQELWYPSXMRM MWLPEFGLMUMWL Sug’urta kompaniyalarining FM^RIWNEVE]SRPEVM VEWQ7YK YVXEOSQTERM]EPEVMRMRKFM^RIWNEVE]SRPEVM 5S PPEWL \EVEOXIVMKE OS VE FSWLUEVYZ LMWSFM YRMZIVWEPHMV 9RKE LEV XSQSRPEQE \EVENEXPEVKE ZE YPEVKE FSK PMU FS PKER JESPM]EX REXMNEPEVMKE IKE FS PKER FEVGLE OSV\SRE ZE XEWLOMPSXPEVHE ]E RM QMPPM] MUXMWSHM]SXRMRK HI]EVPM FEVGLE WSLEPEVMHE NSVM] IXMWL QYQOMR &Y\KEPXIVM]E LMWSFM WLY NYQPEHER FSWLUEVYZ LMWSFM EWSWER ^EVYV QE PYQSXPEV ZE YRMRK XEVNMQSRMRMRK]IXOE^MFFIVYZGLMWMRMRK\M^QEXJYROXWM]EWMRMFENEVEHM 7YK YVXEPSZGLMRMRK ZE^MJEPEVMRM FENEVMWL WEQEVEHSVPMKM FMVMRGLM REZFEXHE XEWLOMPM] XY^MPMWLKE FSK PMU 7LYRM LEQ XE OMHPEWLMQM^ PS^MQOM JESPM]EXRMRK XEWLOMPM] XY^MPQEWM ZE JESPM]EXRMRK EWSWM] NEVE]SRPEVMKE UEVEF NEHZEPHE OIPXMVMPKER LMWSFPEF GLMUMPKER SF IOXPEVRMENVEXMWLQYQOMR 7YK YVXEXEWLOMPSXMRMRKFM^RIWNEVE]SRPEVMRMLMWSFKESPMWLRMRKJYROXWMSREP ]S REPMWLPEVMRMRK\YWYWM]EXPEVM &M^RIWNEVE]SR &M^RIW NEVE]SR,MWSFRMRKJYROXWMSREPWSLEPEVM STIVEXWM]EPEVMRMRKQE^QYRM 511

Respublika ilmiy-amaliy konferensiyasi 24-25-aprel, 2024-yil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ug’urta 7YK YVXE XEWLOMPSXMRM \SHMQPEVMRM7YK YVXE EKIRXPEVMRMRK VS ]\EXPM QELWYPSXPEVMRM FSWLUEVMWL WEZHS OEREPPEVMRMXEVOMFMRM LMWSFKE SPMWL WYK YVXE WSXMWL OIRKE]XMVMWL WYK YVXEEKIRXPEVMRMRK QYOSJSXPEVMRM LMWSFKE WLEVXRSQEPEVMXY^MPMWLM SPMWL OSQTERM]E \SHMQPEVMRMRK MWL LEUMRMLMWSFKESPMWL %RHIVVE]XMRK 7YK YVXE WLEVXRSQEWMRMRK&SWLUEVYZ LMWSFM XM^MQMHE WYK YVXE ERHIVVE]XMRKM WYK YVXEWLEVXRSQEPEVMRM LMWSFKE SPMWL XS K VMWMHEKM ZE WYK YVXEWYK YVXE QYOSJSXPEVMRM LMWSFKE SPMWL \M^QEXPEVMRMRK REV\M XS K VMWMHEWYK YVXE^E\MVEPEVMRMLMWSFKESPMWL UEVSV UEFYP UMPMWL 7YK YVXE \EZJMRMFELSPEWLYWYPPEVMRMMWLPEF GLMUMWL 7YK YVXE &Y\KEPXIVM]E WXEXMWXMOE LMWSFMRM7YK YVXE FS ]MGLE LMWSFOMXSFPEVRM WLEVXRSQEPEVMRM ]YVMXMWL 1SPM]EZM] SUMQPEVRMLMWSFKE SPMWL WYK YVXE ^E\MVEPEVMRM LEVEOEXMRM VINEPEWLXMVMWL ZE FSWLUEVMWLNS]PEWLXMVMWL UE]XE WYK YVXE RE^SVEXUMPMWL 7YK YVXE^E\MVEPEVMRMNS]PEWLXMVMWLWLEVXRSQEPEVMRM LMWSFKE SPMWL \EXEVPEVRM UE]XE WYK YVXEPEWLHEFSWLUEVYZ ZE QSPM]EZM] FY\KEPXIVM]E S XOE^MWL LMWSFMYGLYRQE PYQSXPEV]MK MWL =S USXMWLPEVRM 7YK YVXEXS PSZPEVMRMXIOWLMVMWLZE7YK YVXE XS PSZPEVMRM LMWSFKE SPMWL XEVXMFKEWSPMWL EQEPKESWLMVMWL VIKVIWWM]E STIVEXWM]EPEVMRM LMWSFKE SPMWLQSPM]EZM]REXMNERMLMWSFKESPMWL %ZXSQEXPEWLXMVMPKER E\FSVSX XM^MQMRMRK QYLMQ EJ^EPPMKM XEWLUM FY\KEPXIVM]E LMWSFM FMPER MWLPEWL USFMPM]EXMHMV 7LY QEUWEHHE WYK YVXE ZE FY\KEPXIVM]E XM^MQPEVM I PSRPEV ZE LYNNEXPEV S VXEWMHE EPQEWLMRYZ XE QMRPEREHM %ZXSQEXPEWLXMVMPKER E\FSVSX XM^MQMHE FY\KEPXIVM]ELMWSFMYGLYREQEPKESWLMVMPKERLMWSFOMXSFHEZVMRM]STMWLJYROXWM]EWMWYK YVXE ZE FY\KEPXIVM]E XM^MQPEVM QE PYQSXPEVMRMRK XS PMU QYZSJMUPMKMRM XE QMRPE]HM QE PYQSXPEVHEKM LEVUERHE]RSQYZSJMUPMOPEVILXMQSPMRM]S UUMPEHM &Y\KEPXIVM]ELMWSFMHEWYK YVXEQYOSJSXPEVMSVUEPMWYK YVXETSVXJIPMRMWLEOPPERXMVMWLWSHMV 512

Respublika ilmiy-amaliy konferensiyasi 24-25-aprel, 2024-yil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

Respublika ilmiy-amaliy konferensiyasi 24-25-aprel, 2024-yil >%132%:-=6%5%10-8)<2303+-=%0%62-2+(92=3,%1.%1-=%8-(%+- %,%1-=%8-:%6-:3.0%2-7,-78-5&300%6- 1YLEQQEHIQMRSZE/SQMPE5YHVEXFIOUM^M TDIU “Raqamli iqtisodiyot va axborot texnologiyalari” fakulteti magistranti, QYLEQQEHIQMRSZEOU$KQEMPGSQ %RRSXEXWM]E 9WLFY QEUSPE VEUEQPM MUXMWSHM]SXRMRK OMGLMO FM^RIW OSV\SREPEVMKE EWSWM] XE WMVMKEEWSWPERKER&YOMGLMOZES VXEFM^RIWOSV\SREPEVMHE%/8WIOXSVMRMRKVSPMUERGLEPMO SVXMFFSVE]SXKERMRMOS VWEXEHM /EPMXWS ^6EUEQPMXVERWJSVQEXWM]EVEUEQPMMUXMWSHM]SXMUXMWSHM]SXOSV\SREPEVHEWXYVE\FSVSX OSQQYRMOEXWM]EXI\RSPSKM]EPEVMZEKPSFEPMUXMWSHM]SX /MVMWL 6EUEQPM XI\RSPSKM]EPEV XEVM\MQM^HEKM LEV UERHE] MRRSZEXWM]EKE UEVEKERHE XI^VSU VMZSNPERHM–FSVyo‘g‘i yigirQE]MPMGLMHEVMZSNPERE]SXKERHYR]S ELSPMWMRMRKUEVM]FJSM^MRM qamrab oldi va jamiyatlarni o‘zgartirdi. Ulanishni, moliyaviy inklyuzivlikni, savdo va davlat \M^QEXPEVMHER JS]HEPERMWLRM OYGLE]XMVMWL SVUEPM XI\RSPSKM]E ENS]MF IOZEPE]^IV FS PMWLM QYQOMR 1EWEPER WSK PMURM WEUPEWL WSLEWMHE WYR M] MRXIPPIOXKE EWSWPERKER GLIKEVE XI\RSPSKM]EPEVM LE]SXRMWEUPEFUSPMWLOEWEPPMOPEVKEXEWL\MWUS ]MWLZEYQVOS VMWLHEZSQM]PMKMRMY^E]XMVMWLKE ]SVHEQ FIVEHM 8E PMQHE ZMVXYEP S UYZ QYLMXM ZE QEWSJEZM] XE PMQ EOW LSPHE MWXMWRS UMPMREHMKERXEPEFEPEVYGLYRHEWXYVPEVRMSGLHM(EZPEX\M^QEXPEVMWLYRMRKHIOFPSOGLI]RFMPER ishlaydigan tizimlar orqali yanada qulayroq va hisobdor bo'lib bormoqda va Sun’iy intellekt ]SVHEQM REXMNEWMHE F]YVSOVEXMO NMLEXHER OEQVSU SK MVPMO UMPEHM /EXXE QE PYQSXPEV WLYRMRKHIO]EREHEWI^KMVZEERMUWM]SWEXZEHEWXYVPEVRMUS PPEFUYZZEXPEWLMQYQOMR 8EVM\HEZSQMHEXI\RSPSKMOMRUMPSFPEVMWLGLMOYGLMRMS ^KEVXMVHMQILREXRMRK]ERKMWLEOPPEVMZE WLEOPPEVMRM ]EVEXMWL FSWLUEPEVRM IWOMVKER ZE OIRKVSU MNXMQSM] S ^KEVMWLPEVKE SPMF OIPHM ,S^MVKM S ^KEVMWLPEV XS PUMRM GLYUYV XE WMV OS VWEXMWLM QYQOMR 1EWEPER <EPUEVS 1ILREX 8EWLOMPSXMRMRK LMWSFkitoblariga ko‘ra, yashil iqtisodiyotga o‘tish energetika sohasida barqaror amaliyotlarni o‘zlashtirish, eleOXV XVERWTSVX ZSWMXEPEVMHER JS]HEPERMWL LEQHE QEZNYH ZE OIPENEOHEKM FMRSPEVHE IRIVKM]E WEQEVEHSVPMKMRM SWLMVMWL SVUEPM ]MPKE OIPMF butun dunyo bo‘ylab 24 million yangi ish o‘rni yaratishi mumkin. Bugungi kunda maʼlumotlarni yigʻish va sunʼiy intellekt OEFM VEUEQPM XI\RSPSKM]EPEV UMWLPSU \SʻNEPMKMWSKʻPMURMWEUPEWLZEEXVSJQYLMXKESMHQYEQQSPEVRMOY^EXMWLZEXEWL\MWPEWL]SOM XVEJMORMFSWLUEVMWL]SOMLMWSFRMXSʻPEWLOEFMOYRHEPMOZE^MJEPEVRMFENEVMWLYGLYRUSʻPPERMPEHM 9PEVMRWSRLYUYUPEVMRMLMQS]EUMPMWLZEEQEPKESWLMVMWLYGLYRMWLPEXMPMWLMQYQOMRPIOMRYPEV QEWEPER LEVEOEXPEVMQM^RM \EVMHPEVMQM^RM WYLFEXPEVMQM^ ZE \EXXMLEVEOEXPEVMQM^RM OY^EXMWL SVUEPMYPEVRMFY^MWLYGLYRLEQMWLPEXMPMWLMQYQOMR,YOYQEXPEVZEOSV\SREPEVQSPM]EZM]ZE FSWLUEQEUWadlarda maʼlumotlarni qazib olish va ulardan foydalanish vositalariga tobora OSʻTVSUIKEFSʻPQSUHE 514

Respublika ilmiy-amaliy konferensiyasi 24-25-aprel, 2024-yil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ʻ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‘zbekiston Respublikasi Prezidentining 2018]MP sentabrdagi “Digital Trust” raqamli MUXMWSHMyotni rivojlantirishni qo‘llabquvvatlash jamg‘armasini shakllantirish to‘g‘risida”gi 45WSRUEVSVMLXXTWPI\Y^HSGW 2. O‘zbekiston Respublikasi Prezidentining 2018]MP noyabrdagi “Raqamli iqtisodiyotni VMZSNPERXMVMWL QEUWEHMHE VEUEQPM MRJVEXY^MPQERM ]EREHE QSHIVRM^EXWM]E UMPMWL GLSVE 515

Respublika ilmiy-amaliy konferensiyasi 24-25-aprel, 2024-yil tadbirlari to‘g‘risida”gi PQWSRUEVSVMLXXTWPI\Y^HSGW %\FSVSXZEXEVQSUMUXMWSHM]SXMXY^MPQEHMREQMOEXEVXMFKEWSPMWL1SRSKVEJM]E(]EXPSZ7% 1EV]ERIROS :4 7IPMWLGLIZE 8% 12-8W -2*6%1 W LXXT^RERMYQGSQFSSOVIEHTLT#FSSO! 6SWWM]EHEZE\SVMNHEE\FSVSXNEQM]EXMRMRKWLEOPPERMWLM(EVWPMO+:3WMTSZZEFSWLUEPEV .EQMXELVMVSWXMHE:%7EHSZRMGLIKS12SVQE7-'-2*6%1F 6EUEQPMMUXMWSHM]SXKEOMVMWL%:/IWLIPEZE:+&YHERSZ:=Y6YQ]ERXWIZZEFSWLUEPEV YQYQM] XELVMV SWXMHE % : /IWLIPEZE GL VEUEQPEV OEQGLMPMOPEVM -% >MQRIROS 1 :2--+ISWMWXIQ(“Raqamli kelajak” ostonasida; 1OMXSF –W )ZX]ERSZE (: -UXMWSHM]SXRM FSWLUEVMWL YGLYR VEUEQPM TPEXJSVQEPEVRM ]EVEXMWLQI^SRPEVM (:)ZX]ERSZE-UXMWSHM]XM^MQPEVjild. 10, № 3 (38). *631– 516

Respublika ilmiy-amaliy konferensiyasi 24-25-aprel, 2024-yil BARQAROR IQTISODIY RIVOJLANISHNI TA’MINLASH 3GLMPSZ&SFMV<EPMQFS]IZMGL.YQEFS]IZE4SOM^EG‘ayrat qizi Menejment va zamonaviy texnologiyalar universiteti “Talabalarni qo‘llabUYZZEXPEWL bo‘limi” boshlig‘i;IQEMPSGLFSFMV$KQEMPGSQ 1IRINQIRX ZE ^EQSREZM] XI\RSPSKM]EPEV YRMZIVWMXIXM QEKMWXVERXM IQEMP TSOM^ENYQEFS]IZE$KQEMPGSQ1EUSPEYGLYRNEZSFKEVTSOM^ENYQEFS]IZE$KQEMPGSQ %RRSXEXWM]E -UXMWSHM]VMZSNPERMWLRMRKFEVUEVSVPMKM MWLPEFGLMUEVMWL MNXMQSM]MUXMWSHM] sohalardagi parametrlarning barqarorligini ta’minlash, aholining moddiy va ma’naviy ILXM]SNPEVMRM USRHMVMWL FMPER FIPKMPEREHM -NXMQSM]MUXMWSHM] VMZSNPERMWLRMRK FEVUEVSVPMKM OSRXWITXWM]EWMEWSWM]LMWSFPEREHMZEMUXMWSHM]QYRSWEFEXPEVXM^MQMFMPERFIPKMPEREHMFYIWE \EVENEXPEVRMQMRMQEPPEWLXMVMWLZEIOSPSKMO\EZJWM^PMORMLMWSFKESPKERLSPHEELSPMILXM]SNPEVMRM USRHMVMWLKE ]SVHEQ FIVEHM &EVUEVSV VMZSNPERMWLKE NEQM]EXRMRK SQSR USPMWLM ZE Y^SU QYHHEXPM VMZSNPERMWLMRMRK WLYRMRKHIO XEFMM] QYLMXRM FMVMRGLM REZFEXHE FMSWJIVERM saqlashning uyg‘un kombinatsiyasi sifatida qarash lozim. Kalit so‘zlar: FEVUEVSVPMO MUXMWSH VMZSNPERMWL MWLPEF GLMUEVMWL VIWYVW EXVSJQYLMX YWXYZSVPMOXEPEFFS^SV Barqaror rivojlanishni ta’minlash butun dunyo davlatlari oldida turgan eng dolzarb ZE^MJEPEVHERFMVMHMV%WSWM]QYEQQSVIWYVWFE^EWMZEEXVSJQYLMXRMQYLSJE^EUMPKERLSPHE kelajak avlodlar ehtiyojlarini hisobga olgan holda iqtisodiy o‘sishga IVMWLMWLHMV &EVUEVSV MUXMWSHM]VMZSNPERMWLFYHYR]SRMRKFEVGLEHEZPEXPEVMSPHMHEXYVKERIRKHSP^EVFZE^MJEPEVHER biri, ishlab chiqarish, ijtimoiy soha va iqtisodiy ko‘rsatkichlar sohasidagi yakuniy parametrlarning barqarorligini ta’minlaydigan iqtisodi]SX -NXMQSM]MUXMWSHM]VMZSNPERMWLRMRKFEVUEVSVPMKMOSRWITWM]EWMXEOVSVMWLPEFGLMUEVMWLRMRK yakuniy natijalarini, shu jumladan, aholining moddiy va ma’naviy ehtiyojlarini qondirish bilan bog‘liq[1]. Ko‘payishning barqarorligi MNXMQSM]MUXMWSHM]LSHMWEWMJEXMHEUEVEPMFFEVUEVSVPMORM yoki iqtisodiy o‘sishni optimal mutanosiblik, minimal xarajatlar va ekologik xavfsizlikni doimiy qo‘llabquvvatlashni ta’minlaydigan iqtisodiy munosabatlar tizimi sifatida belgilanadi ZEFYQEQPEOEXimiz va uning hududlari aholisining moddiy va ma’naviy ehtiyojlarini yanada to‘liq qondirishga xizmat qilmoqda. ,EV FMV QEQPEOEX ZE QMRXEUEHE FEVUEVSV MUXMWSHM] VMZSNPERMWL MWLPEF GLMUEVMWL WLEVSMXPEVMVIWYVWWEPSLM]EXMELSPMQIRXEPMXIXMZEFSWLUEPEVFMPan belgilanadigan o‘ziga xos \YWYWM]EXPEVKE IKE?A -UXMWSHM]SXRMRK XMOPERMWL HEZVMHE MWLPEF GLMUEVMWLRMRK XYVPM XEVQSUPEVMHEJESPPMO]Y^EKEOIPEHMZEELSPMXYVQYWLHEVENEWMRMRKSWLMWLMLMWSFMKEFEVUEVSV talab darajasi shakllanadi. Shuni ta’kidlash kerakki MUXMWSHM] XMOPERMWLKE IVMWLMWL REV\ ZE WEPFM] SUMFEXPEVKE SPMF OIPEHM 7LY RYUXEM RE^EVHER FEVUEVSVPMOOE IVMWLMWL QEUWEHKE IVMWLMWLYGLYRQEUFYPYWXYZSVPMOPEVZEXIKMWLPMWXVEXIKM]ERMXERPEWLRMXEPEFUMPEHM &EVUEVSVVMZSNPERMWLRMRKEWSWM]\YWYWM]EXPEVMikkita asosiy jihatni o‘z ichiga oladi. &MVMRGLMHER FY XWMZMPM^EXWM]E ]SOM NEQM]EXRMRK SQSR USPMWLM ZE Y^SU QYHHEXPM VMZSNPERMWLM -OOMRGLMHERFYXEFMM]QYLMXRMFMVMRGLMREZFEXHEFMSWJIVERMWEUPEWL 517

Respublika ilmiy-amaliy konferensiyasi 24-25-aprel, 2024-yil 7LYRHE]UMPMFFEVUEVSVVMZSNPERMWLNEQM]EXRMRKY]g‘un va muvozanatli rivojlanishi va uning tabiiy muhit bilan o‘zaro ta’siridir. Ba’zi iqtisodchilarning fikriga ko‘ra, ishlab chiqarish barqarorligi odatda, asosan, tabiiy kuchlar ta’sirida yuzaga keladigan salbiy ta’sirlarga qarshi turish qobiliyatini va MWLPEF GLMUEVMWLRMRK TEWE]MWLMRM SPHMRM SPMWL ]SOM ]YQWLEXMWL USFMPM]EXMRM ERKPEXEHM 1EZNYH VIWYVWPEV ZE YPEVHER WEQEVEPM JS]HEPERMWLRMRK VIEP MQOSRM]EXPEVMKE EWSWPERMF QMRMQEP xarajat va eng qisqa vaqt ichida muayyan ehtiyojlar to‘plamini qondirishni ta’minlaydigan MWLPEFGLMUEVMWLNEVE]SRMVMZSNPERMWLHEFEVUEVSVLMWSFPEREHM&EVUEVSVVMZSNPERMWLXM^MQMRMRK EWSWMRM]YUSVMWMJEXPMVIWYVWPEVRMUE]XEMWLPEFGLMUEVMWLUY]MXM^MQMXEWLOMPIXEHMFYRHEMRWSR WEPSLM]EXMEWSWM]IPIQIRXLMWSFPEREHM 9QYQER SPKERHE FEVUEVSV VMZSNPERMWL HIKERHE MNXMQSM] VMZSNPERMWLRMRK MUXMWSHM] MNXMQSM] ZE IOSPSKMO WSLEPEVM FMPER QYXERSWMF ZE dinamik tarzda o‘zaro aloqada bo‘lgan VMZSNPERMWL XYWLYRMPEHM &EVUEVSV VMZSNPERMWLRMRK MNXMQSM]MUXMWSHM] EWSWM UEWLWLSUPMO ZE UEWLWLSUPikka qarshi kurashish, iste’mol shakllarini o‘zgartirish, aholi o‘sishini tartibga solish, inson salomatligini saqlash va hududlarning barqaror rivojlanishini qo‘llab UYZZEXPEWLKE UEVEXMPKER GLSVEXEHFMVPEV QENQYMRM NELSR QMU]SWMHE EQEPKE SWLMVMWLRM FIPKMPE]HM &EVUEVSVPMORMRKEWSWMMUXMWSHM]QYZS^EREXRMWEUPEWLHMVFYIWELEVUERHE]MUXMWSHM] XM^MQRMRK WEQEVEPM MWLPEWLM ZE VMZSNPERMWLMRMRK EWSWM] WLEVXMHMV 8EPEF ZE XEOPMJ FS^SVMHE muvozanatga erishish ko‘plab omillarga bog‘liq. Har holda, talab parametrlaVMRMRK o‘zgarishiga talab va ishlab chiqarish reaktsiyasini aniqlash mexanizmi kerak. Narxlar, ish haqi, kredit stavkalari, soliqlar va tegishli resurslar hajmining o‘zgarishi kabi RSQYXERSWMFPMOPEV]Y^EKEOIPKERHEXM^MQFEVUEVSVLSPEXRMXMOPEWLYGLYRXI^HENEZSFFIVMWLM OIVEO -WLPEF GLMUEVMWL XM^MQMRMRK FEVUEVSVPMKMRM WLEOPPERXMVMWLHE MGLOM XEPEF E]RMUWE WEQEVEPMXEPEFRMLS]EXHEQYLMQELEQM]EXKEIKEGLYROME]RERWLYREVWEMWLPEFGLMUEVMWL va iste’molning o‘sishini rag‘batlantiradi yoki cheklaydi[3]. KaXXE FS^SVRMRK QEZNYHPMKM FMV RIGLEWSLEPEVHEXEPEFRMRKFEVUEVSVPMKMKE]SVHEQFIVEHM Birinchidan, keng bozorda talabning doimiy o‘sishi mahsulotlarni katta ishlab GLMUEVMWLLENQMHEWSXMWLHE\EVENEXPEVZE\EVENEXPEVRMXINEWLMQOSRMRMFIVEHM -OOMRGLMHER FSzor hajmi tadqiqot va ishlanmalardan foydalanish bilan bog‘liq WSLEPEVHE VEUSFEX YWXYRPMKMRM ]EVEXMWL YGLYR NYHE QYLMQHMV &Y MRZIWXMXWM]EPEVRM UE]XE investitsiyalarni va ishlab chiqarishni jadal rivojlantirishni rag‘batlantirsa, haqiqatan ham YWXYRPMOOEE]PEREHM 9GLMRGLMHERFMVRIGLXEHSQMRERXPEVIQEWFEPOMFMVRIGLXEQYWXEUMP\EVMHSVPEVKEIKE bo‘lgan chuqur bozor innovatsiyalar uchun qo‘shimcha rag‘bat va imkoniyatlar yaratadi. To‘rtinchidan, talablarini tezroq to‘ldirish va mobil va reaktiv kompaniyaPEVKE]YUSVM natijalarni qo‘lga kiritish uchun, faol foydalanish imkoniyatlarini yaratish maqsadida, kompaniyalar o‘zlariga xos qulay shartWLEVSMXPEVRMXY^MWLEHM Bozor aylanishining barqarorligini ta’minlash zarur inventarizatsiyani yaratish, WLYRMRKHIO uning tuzilishi, holati, aylanma tezligi va texnik xizmat ko‘rsatish xarajatlarini HSMQM] RE^SVEX UMPMWLRM XEPEF UMPEHM?A -WLPEF GLMUEVMWL NEVE]SRPEVM ZE XSZEV E]PERQEWMRMRK 518

Respublika ilmiy-amaliy konferensiyasi 24-25-aprel, 2024-yil barqarorligini ta’minlashda tovarQSHHM] ^E\MVEPEVRM QYRXE^EQ RE^SVEX UMPMWL ZE ^EVYV HEVENEHE YWLPEF XYVMWL QYLMQ ELEQM]EX OEWF IXEHM -UXMWSHM] XM^MQ VMZSNPERMWLMRMRK barqarorligi kengaytirilgan takror ishlab chiqarishning doimiyligi va uzluksizligini ta’minlash bilan bog‘liq bo‘lib, u ishlab chiqarish vositalari va mehnat mahsulotPEVM LEVEOEXMHE ^E\MVEPEVRMWLEOPPERXMVMWLRMRE^EVHEXYXEHM Agar ishlab chiqarish hajmining yillar yoki fasllar bo‘yicha o‘zgarishi minimal bo‘lsa va optimal zaxiralar mavjudligi bilan qoplanadigan bo‘lsa, uni barqaror deb hisoblash QYQOMR &MVSU EKEV MWhlab chiqarishning o‘sishi oqilona ehtiyojlarni qondirmasa, bunday MWLPEFGLMUEVMWLRMFEVUEVSVHIFLMWSFPEWLUM]MR%KEVMWLPEFGLMUEVMWLRMRKUMWUEVMWLM]ERKM XI\RSPSKM]EPEVZEMPQM]XI\RMOEXEVEUUM]SXMXYJE]PMOEQVSUIRIVKM]EZEQIXEPPXEPEFUMPEHMKER ]ERgi mahsulotlarning paydo bo‘lishi bilan bog‘liq bo‘lsa, barqarorlikka ham erishish QYQOMR Shuni ta’kidlash kerakki, barqarorlik iqtisodiy rivojlanishdagi barqarorlik bilan chambarchas bog‘liq bo‘lsaHE YRMRK WMRSRMQM IQEW &EVUEVSVPMO MNXMQSM] VMZSNPERMWL XM^MQMRMRKMNXMQSM]IOSPSKMOZEMUXMWSHM]WLEVSMXPEVMRMRKFMVPMKMRMMJSHEPE]HM Ekologik va iqtisodiy xavfsizlik dasturlarini ishlab chiqish barqaror rivojlanishga o‘tish OSRWITWM]EWMKEEWSWPERMWLMOIVEO-UXMWSHM]SXRMHEZPEXXSQSRMHERXEVXMFKEWSPMWLFS^SVRMRK o‘zini o‘zi tartibga solish bilan o‘zaro aloqada bo‘lgan tizim rivojlanishining barqarorligining EWSWM]WLEVXMKEE]PEREHM-UXMWSHM]SXRMRKMGLOMFEVUEVSVPMKMMWLPEFGLMUEVMWLREV\PEVFERHPMO ZEXYVQYWLHEVENEWMFEVUEVSVPMKMRMXEWLUMFEVUEVSVPMOesa to‘lov balansining barqarorligini, XEWLUMWEZHSFEPERWMRMRKMNSFM]WEPHSWMRMZEQEQPEOEXSPXMR^ELMVEPEVMRMRKFEVUEVSVLSPEXMRM o‘z ichiga oladi. (EZPEXMUXMWSHM]WM]SWEXMF]YHNIXQSPM]EZM]WSPMUREV\ZEXEWLUMWEZHSGLSVEPEVMOEFM ZSWMXEPEVHER JS]HEPERKER LSPHE XM^MQRMRK MGLOM ZE XEWLUM FEVUEVSVPMKMKE IVMWLMWLKE qaratilgan. Davlat tomonidan tartibga solish bozorning o‘zini o‘zi tartibga solish bilan birgalikda iqtisodiy tizimga makromintaqa darajasida ta’sir ko‘rsatishning keng doirasi va YWYPPEVMRi o‘z ichiga oladi. Iqtisodiy salohiyatdagi farqlarga qaramay, turli hududlarning MNXMQSM]iqtisodiy rivojlanishining barqarorligi muammolari ularning o‘ziga xos xususiyatlari ZEILXM]SNPEVMRMLMWSFKESPKERLSPHELEPUMPMRMWLMOIVEO*ESPFEVUEVSVVMZSNPERMWLWM]SWEXMRM WLEOPPERXMVMWLKE UEVEXMPKER ERMU LYHYHPEVHEKM QEZNYH MNXMQSM]MUXMWSHM] ZE^M]EX XELPMPM o‘rganilayotgan makromintaqada barqaror rivojlanish muammosini hal etishga alohida yondashuv zarurligini ko‘rsatdi. Bunday yondashuvda tuman iqtisodiyotiRMRK XY^MPMWLM HIQSKVEJMOQMPPM]ZEHMRM]XEVOMFMXEFMM]WLEVSMXMWLYRMRKHIOXEFMM]VIWYVWPEVHERJS]HEPERMWL LSPEXMZEYPEVRMRKOIPENEOHEKMMQOSRM]EXPEVMLMWSFKESPMRMWLMOIVEO Xulosa o‘rnida shuni ta’kidlash mumkinki, barqaror rivojlanishga erishisLHYR]SRMRK FEVGLE QEQPEOEXPEVM YGLYR HSP^EVF ZE^MJEHMV %WSWM] QEUWEH – OIPENEO EZPSHPEV QERJEEXPEVMRM LMWSFKE SPKER LSPHE MUXMWSHM] XMOPERMWLRM VIWYVW FE^EWM ZE EXVSJQYLMXRM QYLSJE^E UMPMWL FMPER QYZS^EREXPEWL &EVUEVSV VMZSNPERMWL MWLPEF GLMUEVMWL WLEVSMXPEVM resurs salohiyati, aholi mentaliteti va boshqa omillarga bog‘liq holda o‘ziga xos \YWYWM]EXPEVKE IKE )ZSP]YXWMSR MUXMWSH RE^EVM]EWMHE XEWZMVPERKER MUXMWSHM] IZSP]YXWM]E jarayoni barqaror rivojlanishni ta’minlash uchun texnologik tuzilmalar orasidagi o‘tishlarni LMWSFKE SPMWL ^EVYV &EVUEVSV VMZSNPERMWLRMRK EWSWM] FIPKMPEVM NEQM]EXRMRK SQSR USPMWLM ZE 519

Respublika ilmiy-amaliy konferensiyasi 24-25-aprel, 2024-yil uzoq muddatli rivojlanishi, shuningdek, tabiiy muhitni asrashni o‘z ichiga oladi. Barqaror VMZSNPERMWL FY MNXMQSM] VMZSNPERMWL ZE EXVSJQYLMXRM QYLofaza qilishning uyg‘un OSQFMREXWM]EWM 7LYRHE] UMPMF YWLFY QYZS^EREXRM WEUPEWL SVUEPM QEQPEOEXPEV ZE mintaqalar hozirgi va kelajak avlodlar farovonligini ta’minlagan holda muvaffaqiyatli oldinga WMPNMWLMQYQOMR FOYDALANILGAN ADABIYOTLAR RO‘YXATI: Mo‘minov A. “Iqtisodiy o‘sish va uning omillari nimalardan iborat” //O‘zbekiston SZS^M]MPQE] Ismailova Nilufar Sabitjanovna, Uchqun Ro‘zimurod o‘g‘li, Abror Ro‘zimurod o‘g‘li. “Jahon savdo tashkilotiga qo‘shilish: qo‘shilish jarayoni hamda uning qonuniy asoslari.” 7GMIRXMJMGTVSKVIWW 6EWLMHSZ 9 6EWLMHSZ % 2EMQSZ 7 1SHIVR :MI[W SR XLI 4VSFPIQW SJ 1EREKIQIRX%GGSYRXMRKMR0SKMWXMGW7]WXIQ“3RPMRIconferences” platform. – 6EWLMHSZ 9 6EWLMHSZ % %WWIWWQIRX SJ 'SWXW *SV XLI 5YEPMX] SJ 0SKMWXMGW %GXMZMXMIW-RXIVREXMSREPNSYVREPSJFYWMRIWWHMTPSQEG]ERHIGSRSQ]––Т. 520