This article highlights the essence of the convergence of economic knowledge in school and higher education, their theoretical and practical aspects, and also expresses opinions on this topic, within the framework of an approach based on the economics of knowledge economics. Specific theoretical information is given on the formation of competencies for the purpose of training future specialists in economics.

This article analyzes the role of the IT sector in enhancing the competitiveness of the national economy under the conditions of globalization. Digital transformation is considered a key factor in economic modernization, export potential growth, and human capital development. The article examines current trends in the global IT market and highlights efforts to develop digital infrastructure in the Republic of Uzbekistan, particularly through the example of the Tashkent IT Park. Statistical data on the structure of ICT services, export volumes, and employment levels are presented. The importance of government support, investment in education, and the training of IT specialists is emphasized. In conclusion, strategic directions are proposed for developing a “knowledge economy” and integrating the IT sector into the global digital space. This article has been prepared within the framework of the scientific research project titled “Study of the prospects and challenges of liberalizing trade in services between Russia and Uzbekistan, as well as the development of recommendations for increasing its volume and mechanisms for achieving this goal”.

In this article, it is necessary to adapt higher education services to world standards so that the young generation, which will ensure the development of the country and its future, grows up healthy, comprehensively developed and knowledgeable. For this reason, in order to further increase the scale and effectiveness of the reforms, given that the need for our youth, who have matured, in modern knowledge and skills is increasing every day, special attention is paid to the application of professional and educational experience of developed countries in the education system of our country, as well as proposals and recommendations.

This article focuses on the fact that intellectual information technologies are one of the scientific and practical areas of informatics with a bright future and rapid development. The basic foundations of artificial intelligence are based on knowledge, the organization of communication in natural languages, understanding of text, logical inference, justification and explanation of solutions are given.

Economic growth and human capital are highly correlated. The expansion of an economy's knowledge base, health, and welfare can be facilitated by human capital, which also has an impact on economic growth. The ability to alter a life is known as human capital. Ensuring socio-economic advancement is a global problem for human capital development, particularly in the areas of health, education, and living standards. This essay examines the connection between Uzbekistan's economic expansion and the development of its human capital. In the dynamic landscape of Uzbekistan's economic transformation, human capital development emerges as a pivotal determinant of sustained economic growth

These findings underscore the need for context-specific corporate governance models to optimize overall financial performance and mitigate risk. This research contributes to the understanding of how multiple governance models affect bank stability globally and provides information for policy makers and bank executives aiming to improve governance frameworks. These findings underscore the need for context-specific ways of corporate governance to optimize economic performance and mitigate risk. This research contributes to the expert knowledge of the ways in which different governance models affect the global stability of financial institutions and provides information for policymakers and bank executives aiming to improve governance frameworks.

This article analyzes the financial literacy programs of the Russian Federation and explores ways to adapt them to the conditions of Uzbekistan. Emphasizing that financial literacy has a positive impact on economic stability and well-being of the population, the study notes the need for cooperation between the public and private sectors, the organization of special courses and training in educational institutions, as well as the use of modern technology. Suggestions and recommendations developed on the basis of the experience of the Russian Federation are of great importance in the formation of practical programs aimed at improving financial literacy in the school system of Uzbekistan.

This article theoretically covers the impact of the higher education system on the country's economy, its strategic importance, its role in economic growth, and innovative development. It also analyzed the problems and difficulties in the development of higher education, including such factors as quality of education, financing issues, inextricable connection with the labor market insufficient scientific potential. The article provides recommendations by the author for improving the higher education system.

In this article, the authors investigated the higher education system of Uzbekistan, outlined directions for the development of industry activities, and also highlighted the goals of supporting professors and teachers. Proposals and recommendations have also been developed for the development of the higher education system in Uzbekistan.

The article analyzes the importance of financial literacy in modern society and the need for its development in Uzbekistan. It examines the impact of financial knowledge on personal and economic well-being and studies international experiences, particularly examples from Denmark, Sweden, Canada, and Japan. Practical recommendations are developed for integrating financial literacy into school education and applying innovative methods.

Based on the research of scientific ideas of the schools of political economy, classical, neoclassical and modern human capital, which are the conceptual foundations of the development of the theory of human capital, the author's approach of human capital is developed in the article.

This article defines the conditions for the formation of a system for the development of innovations in industrial enterprises: recruitment of qualified personnel, study of the latest developments, protection of one’s own inventions, patent purity of manufactured products, assessment of the value of intangible assets and test marketing. In addition, enterprises are expected to cooperate with other market participants, due to the need to obtain new ideas, knowledge and qualified specialists. Such cooperation can be implemented within the framework of the well-known chain “science - personnel - production”.

Knowledge of optimal monetary policy and frequently the rules of optimization in flexible inflation targeting assign central banks the task of developing all types of cyclical policies. The goal of optimal inflation policy is to achieve macroeconomic stability and stimulate sustainable economic growth. To determine the amount of monetary policy associated with the rule of monetary policy and to establish the proposed optimal inflation target, we use the DSGE econometric model. The relationship between r (refinancing rate) and the optimal inflation target has a downward slope. Although the growth of the optimal inflation level is smaller than the decrease in r, it has been found that in areas with current empirical significance, the slope of the relationship is close to -1. This angle parameter is sufficient to ensure uncertainty. It was found that in strategies such as price level setting and their diversity, the optimal inflation target is significantly lower and less sensitive to r."*

The tourism industry is highly dependent on the skills of the workforce and the quality of their service in providing excellent services and experiences to travelers. Therefore, a solid system of personnel training is important to ensure that employees have the necessary skills and knowledge to meet the changing demands of the tourism industry, international standards, and the needs of tourists. However, various factors can affect the effectiveness of such training programs. In this research, several aspects that can affect the quality of the personnel training system in the field of tourism are studied. Based on empirical evidence and theoretical foundations, the article provides insights and recommendations on opportunities and strategies to optimize and modernize training systems to improve employee performance and organizational success in the tourism industry.

This article pays special attention to the fact that labor resources represent the working-age part of the country’s population. Suggestions and recommendations were made regarding the need to form labor resources from the population of the country or its individual regions, capable of working, possessing certain knowledge, skills, professions, production or service capabilities.

Currently, the reform and improvement of our country's continuous education system, the introduction of advanced pedagogical and information technologies, and the enhancement of education effectiveness have become state policy. Digital technologies and distance learning systems are rapidly developing, meeting modern requirements. In 2023, in leading countries such as the USA, European Union states, and South Korea, distance learning systems are widely used. In particular, in the USA, global educational platforms such as Coursera, edX, and Udemy provide educational services to more than 70 million users worldwide, holding leading positions. In the European Union, platforms like FutureLearn are also successfully operating. These platforms play a significant role in the convenience of education, time-saving, and improving the quality of knowledge.

This article is dedicated to the consideration of important issues of increasing the level of financial literacy in the educational system of Uzbekistan, especially in school education, and to the study of advanced foreign experiences. The article analyzes the financial literacy programs of Finland and examines ways of adapting them to the conditions of Uzbekistan and other countries. Emphasizing that financial literacy has a positive effect on the economic stability and well-being of the population, the research notes the need for public and private sector cooperation, the organization of special courses and training in educational institutions, as well as the use of modern technologies. Proposals and recommendations developed on the basis of Finnish experiences are of great importance in the formation of practical programs aimed at increasing financial literacy in the school education system of Uzbekistan. Today, the teaching experience of the pedagogues of their countries is embodied in the Finnish education system. After all, for more than ten years, 15-year-old students in this country have regularly shown very good results in the PISA international assessment program. The success of Finland is the teachers. Their status and independence are ensured for high-quality training. Education policy is aimed at equality. It should be mentioned that the location and climate of Finland have an impact on its economy.

The article examines the concepts of economic competence and its key components essential for the successful professional development of students. It highlights the features of economic competence and its structural elements, including knowledge, skills, and attitudes, and describes their content. An analysis is conducted on the relevance of developing economic competencies in the context of modern socio-economic realities. Finally, practical recommendations are proposed for the effective development of students' economic competence, which may be useful for educators and educational institutions.

The article discusses the development of a commercial risk management concept aimed at a holistic presentation of scientific hypotheses and ideas, patterns, goals and objectives, principles and functions of management, theoretical and methodological issues related to management methods and methodology for developing risk management strategies in modern enterprises. Based on the proposed risk management concept, a conceptual model is proposed that makes it possible to philosophically and conceptually comprehend the essence of risk management based on the basic rules of modern concepts of commercial, commercial management, strategic management and risk management, clarify possible sources of commercial risks, clarify the interrelation of a complex of scientific knowledge on risk management.