(untitled) (Лучшие интеллектуальные исследования, 2025)
Annotatsiya. Mazkur maqolada kichik biznesni uzluksiz qo‘llab-quvvatlashda davlat va tijorat banklarining o‘rni hamda bu jarayonda foydalaniladigan zamonaviy yondashuvlar va usullar tahlil qilingan. Kichik biznesni moliyaviy qo‘llab-quvvatlash davlat byudjeti barqarorligini ta’minlash, iqtisodiyotni diversifikatsiya qilish va bandlikni oshirishga xizmat qiluvchi muhim ko‘rsatkichlar asosida amalga oshiriladi. Maqolada kichik biznesni qo‘llab-quvvatlash jarayonida davlat va tijorat banklarining rolini aniqlash, bu jarayonda moliyaviy boshqaruv va innovatsion texnologiyalardan foydalanishning afzalliklari o‘rganilgan. Tadqiqot davomida kichik biznesni rivojlantirish uchun kreditlash mexanizmlarini takomillashtirish, tijorat banklarining rolini oshirish va davlat tomonidan qo‘shimcha moliyaviy rag‘batlantirish dasturlarini joriy qilish bo‘yicha taklif va tavsiyalar ishlab chiqilgan. Ushbu tadqiqot natijalari kichik biznesni samarali qo‘llab-quvvatlashga qaratilgan strategik qarorlar qabul qilishda amaliy qo‘llanma sifatida foydalanilishi mumkin. Abstract. This article analyzes the role of state and commercial banks in ensuring continuous support for small businesses and the modern approaches and methods used in this process. Financial support for small businesses is carried out based on key indicators that contribute to ensuring state budget stability, diversifying the economy, and increasing employment. The article examines the role of state and commercial banks in supporting small businesses, highlighting the advantages of using financial management and innovative technologies in this process. The study provides recommendations and proposals for improving credit mechanisms, enhancing the role of commercial banks, and implementing additional financial incentive programs by the state to foster small business development. The results of this study can serve as a practical guide for making strategic decisions aimed at effectively supporting small businesses.