Our article discusses the importance of international financial organizations and their role in economic development, as well as an analysis of Uzbekistan's current financial relations with international financial organizations and the prospects for expanding cooperation between them. The main areas of cooperation are analyzed using the example of the International Monetary Fund (IMF) and the World Bank.

After gaining independence, Uzbekistan established active relations with international financial institutions. In particular, it has implemented a number of major projects in the fields of agriculture, transport, healthcare, education, infrastructure, energy, and construction. In recent years, reforms aimed at liberalizing the economy and increasing investment attractiveness have led to further expansion of cooperation. The article highlights Uzbekistan's promising projects with these organizations aimed at sustainable development, green economy, inclusive economy, poverty reduction, employment generation, and creation of modern infrastructure through long-term strategies. As a result of this cooperation, it is envisaged that our country will strengthen its integration into the global economy.

In the article, the development of dualism in economic systems during the emergence of new relations of production and the state's policies and institutions during this period to ensure that they support and help new methods of production, dualism studied by several economists methodological problems specific to the financial system are studied. The author has studied how the dualistic financial system affects the emergence of crises and conflict situations in the economy, in particular, its negative impact on the stable improvement of product production, competitiveness and general economic well-being. The author has further strengthened his views on these relations with a comprehensive analysis of the financial literature, which is presented in the cross-section of countries and years. According to the results of the study, due to the review of the dualistic financial system, the authors consider important proposals for the existing problems of the economy. The article examines the economic relations of the formation, distribution and use of monetary funds in the dualistic financial system and emphasizes the effects of their use.

Today, two benchmarks - International Financial Reporting Standards - IFRS (International Financial Reporting Standards - IFRS) and the generally accepted accounting rules of the USA - BHUQ (Generally Accepted Accounting Principles - GAAP) are recognized as the standard of accounting. According to the analysis, there is almost no accountant in the world who is not aware of MHXS. Also, the number of countries that recognize international standards is increasing day by day. Also, the number of countries that recognize international standards is increasing day by day. It serves as an important tool in mutual cooperation between the countries of the world, including in the development of economic relations, especially in improving the investment environment. This article covers a number of aspects such as MHSS, international experience, and its use in the countries of the world.

At the moment, the currency system is a set of various forms of organization of currency relations of certain countries. The main elements are the national currency, national authorities responsible for currency regulation, the regime of the national currency exchange rate, regulation of the convertibility of the national currency, the regime of gold markets and the currency of a certain country. The modern currency system is not subject to any strict rules of operation.

The article analyzes the economic content, forms and modern mechanisms of cooperation with international financial and credit institutions. Also, proposals and recommendations have been developed for the further development of relations with international financial institutions and increasing economic efficiency in the conditions of  Uzbekistan.

In a market economy, liquidity and solvency are the most important
characteristics of financial and economic activities of enterprises, in particular in oil refining. The
financial condition determines the competitiveness of an enterprise, its potential in business
processes, to what extent the economic interests of the enterprise and its counterparties in
financial and other relations are respected. Liquidity is the ability of an asset to be sold in a
business, economy, or invested without significant price changes and with little loss of value. The
most liquid asset is money or cash on hand, which can be immediately used to carry out economic
transactions, including buying, selling, paying off debts, and meeting urgent desires and needs.
The basis of any company is liquidity. A comprehensive liquidity assessment is necessary for each
company, as it helps to predict future behavior. The article examines the theoretical aspects of
liquidity and solvency, analyzes the refinery, while assessing the main shortcomings and problems,
and provides recommendations for improving the financial condition

The article examines the socio-economic content, essence, structure, interpretation and modern trends in the finances of higher educational institutions. In connection with the process of transformation of universities, the features of the formation of a financial mechanism and its main components that create sustainable financial relations in higher educational institutions have been comprehensively studied. Suggestions and recommendations for financial management of higher education institutions are also given.

This article analyzes the theoretical models of digitalization in institutional development and their relevance to the financial system. Based on scholarly sources and international experience, it is demonstrated that digital technologies enhance transparency, ensure accountability, reduce transaction costs, and increase economic efficiency in the relations between the state and the private sector. The Technology Acceptance Model, the Diffusion of Innovations Theory, and Institutional Theory are examined as the main approaches to implementing digital solutions. The study also highlights national-level challenges, including insufficient digital infrastructure integration, weak incentive mechanisms for small and medium-sized enterprises, and cybersecurity risks. According to the author’s conclusions, aligning digital technologies with institutional reforms and international standards is a key factor in strengthening the stability of Uzbekistan’s financial system and building public trust.

Particular attention is paid to insurance and insurance activities through theoretical studies of the insurance system. Development of insurance relations is a strategically important task in the implementation of the activities of modern economic systems. A sustainable insurance system contributes to the development of the national economy. In this regard, first of all, the features of the formation and development of the insurance system are considered, along with attracting additional investment resources for the development of the financial services market in the national economy, and the development of market relations in the insurance sector.

This article examines the concept of a banking ecosystem, the creation of a "banking ecosystem" as a modern model of international transformation processes in the activities of commercial banks in Uzbekistan and the processes of digital transformation of commercial banks. Is presented the role of the banking ecosystem in turning the banking industry into a kind of financial "supermarket" by radically changing the relationship between the bank and the client based on the organization of the banking ecosystem, increasing the prestige of the bank, rapid digitization of economic relations, expanding the offer of a wide range of banking and non financial services to customers.

This article explores the problems associated with the activities of risk-sharing financing models, primarily, in terms of Islamic financial instruments. It lists the disadvantages of risk-shifting mechanisms and the achievements of risk-sharing financing. Simultaneously, it discusses the main causes of problems with risk-sharing financing and strategies to eliminate them. It analyzes the problems connected with information asymmetry, moral hazard, adverse selection, principle-agent relations, and incentive structures.

Today, the shrinking volume of economic resources and the globalization of the international economy further increase the relevance of the introduction of an innovative economy in ensuring sustainable economic growth in the country. The economy of Uzbekistan is gradually moving from farming based on raw materials and agriculture, as it was before the 90s of the last century, to an innovative agricultural system that today produces and provides services for the production of finished consumer goods, the production of which is resource-saving and scientific. A significant in-depth understanding of the effectiveness of economic activity under the influence of the innovation system makes it necessary to ensure their proper combination within various industries and sectors of the economy. In turn, the process influenced by this combined system causes the need to ensure the fulfillment of a number of tasks aimed at the proper organization of financial and economic relations aimed at innovative activities.

This article analyzes the macroeconomic indicators affecting the tax potential of the regions. The system of budget-tax policy measures to increase the tax potential of the regions, the ability of the regions to pay taxes, the relations that take place in the process of increasing them and collecting taxes are highlighted on the basis of foreign experience

Today, Islamic social finance is developing not only in Muslim countries, but also in non-Muslim countries. Especially after the Covid-19 pandemic, it gained its important place. This article examines the essence of the concepts of social finance and Islamic social finance, and also highlights the goals and objectives of Islamic social finance, including reducing unemployment and poverty, helping to improve the socio-economic condition of disadvantaged groups, and implementing social justice in distribution. and growing the economy. The analyzes are summarized and general conclusions are given at the end of the article.

This article is devoted to the theoretical basis of reflecting the relations related to inventory in business entities of different types of ownership operating in our country in accounting. The types of inventories in business entities, the main tasks of the accountant in accounting for them, as well as opinions on the state of inventory and the establishment of internal control over their storage are highlighted. To fulfill these tasks, first of all, the proposals and recommendations on the use of primary accounting data, synthetic and analytical account registers have been developed. This eliminates several problems in the organization of inventory accounts in economic entities and serves to raise the level of financial reporting dataaccuracy.