The article explores the theoretical foundations of the concept of financial stability of banks. It also includes corresponding conclusions based on the analysis of external and internal factors affecting the financial stability of commercial banks.

This scientific article describes the conceptual basis of scientific views on the
financial system. The scientific views of the supporters of classical and neoclassical financial
theory on the financial system, its elements and financial stability in a polysemantic description
are studied. Scientific views on the prospects of ensuring the stability of the financial system under
the influence of endogenous and exogenous factors are systematized

The article analyzes the key elements of the financial system of joint-stock companies: capital structure, dividend policy, and the theoretical aspects of financial stability. Mechanisms for enhancing investment attractiveness through effective management of capital structure and dividend policy are examined. The prospects for the long-term development of companies by ensuring financial stability are also highlighted. The interconnection of these elements and their practical application are described.

This article examines approaches to optimizing capital requirements for insurance companies in Uzbekistan. It analyzes existing regulatory frameworks and international standards, including Solvency II. The study explores risks associated with insufficient capitalization and proposes measures to improve capital and reserve management mechanisms. The research aims to adapt advanced regulatory practices to the national insurance market, ensuring its sustainable development.

It is important to audit the correctness, accuracy and truthfulness of the comparative information included in the financial statements of economic entities. Taking this into account, this article focuses on the processes of assessment comparative information, obtaining reliable audit evidence on comparative information, and conducting analytical procedures. Also, based on the comparative analysis of the financial statements of economic entities, suggestions and recommendations are given for drawing reliable conclusions about their financial position.

This article analyzes the processes of preparing and analyzing the financial statements of joint-stock companies in Uzbekistan. Issues related to the transparency of financial statements and their alignment with international standards are discussed, including opportunities to enhance investment attractiveness through the application of IFRS requirements. A comparative analysis of national and international reporting standards is provided, along with the advantages of using modern digital technologies in financial analysis. Based on the conducted research, recommendations are proposed to ensure the financial stability of the corporate sector and its future development.

This article describes the economic importance of developing strategic financial decisions in ensuring the financial sustainability of enterprises. Financial decision-making is analyzed using the example of joint-stock companies aimed at increasing the efficiency of capital use. A scientific proposal and practical recommendations for improving the mechanism for making financial decisions have been formulated.

This article describes the importance of insurance companies in the
development of the national economy. Practical data on financial transactions carried out by
insurance companies is analyzed. Foreign experience in the development of investment activities
of insurance companies has been studied. Conclusions and proposals for improving the activities
of insurance companies are formulated

The article discusses the concept of financial stability of an enterprise, describes modern approaches to assessing financial stability and ways to improve it. The importance of managing the financial stability of an enterprise in modern conditions of external threats is emphasized.

In the article, the analysis of the practical situation of the financial indicators directly and indirectly affecting the lending mechanism is carried out on the example of a foreign commercial bank, and the results are highlighted. In particular, scientific conclusions were formed by analyzing the 10-year dynamics of commercial banks' composition of assets and liabilities, profitability of assets and capital, structure of bank income.

This article describes the relevance of managing and assessing financial risks when developing company forecasts. International standards for assessing financial risks and their economic essence have been studied. Conclusions are drawn about the important features of financial risk management. A scientific proposal and practical recommendations for improving risk management have been developed

This article is devoted to the study of the economic essence of the financial stability of insurance companies in the context of Uzbekistan. Particular attention is paid to various aspects of determining financial stability that are unique to the Uzbek insurance market. The study is based on an analysis of current data and literature sources, as well as on the experience of experts in the insurance industry.

Multifamily housing funds face the challenge of providing high-quality service while managing complex financial structures and competing demands. This article explores the need for a more efficient service system for multifamily housing stocks, focusing on areas such as tenant communications, maintenance times, and financial transparency.

In recent years, the financing of higher education has undergone significant transformations, influenced by shifting economic policies and the increasing demand for educational services. This article examines the evolution of financial planning in higher education institutions (HEIs) worldwide, highlighting the interplay between public and private funding sources. It explores various financing models adopted by countries, particularly focusing on the roles of government and private sector contributions. Comparative case studies from the United States, Germany, and the United Kingdom illustrate the diverse strategies employed to ensure access, quality, and sustainability in higher education. The article concludes with key lessons for HEIs aiming to navigate financial challenges and achieve long-term growth, emphasizing the importance of strategic financial planning, revenue diversification, and institutional autonomy.

In the article, the composition of local budget revenues, the role of land tax, which is considered as a local tax, in the budget-tax policy, scientific and theoretical views on the formation of local budget revenues, as well as the organizational, legal and financial foundations of the formation of local budget revenues, the existing land tax in the conditions of tax reforms carried out in our republic today, in particular, the characteristics of these taxes, the experience of foreign countries in order to further improve the effective and productive use of land.

The article discusses a strategy for improving the financial condition of the enterprise, proposes measures to improve the financial condition of the enterprise and the introduction of a management system analysis.

This article presents a literature review of the experience of foreign scientists in improving the financial activities of state-owned enterprises. Official data and analyzes of the Ministry of Economy and Finance of the Republic of Uzbekistan are also provided. Based on this literature review and analysis, practical suggestions and recommendations are presented.

The insurance portfolio plays an important role in forming the basis of any insurance company's activities. Creating a balanced, stable and effectively organized insurance portfolio by an insurance company is an urgent task. Its specific principles and functions, the theoretical foundations of its organization are considered one of the pressing issues that are always in the focus of attention of researchers

This article addresses topical issues of increasing the level of capitalization and strengthening the financial stability of commercial banks. In addition, the amount and dynamics of capital of commercial banks of the republic, the share of authorized capital in their own funds and the state of indicators characterizing their level of capitalization are analyzed and conclusions are made.