This article examines the concept and essence of retail business, retail lending and retail customer service, the role and importance of the implementation of social packages of services in the development of the country's economy, the donation of local and international financial institutions and foreign banks in the formation of banking resources. Moreover, the role and importance of the development of lending to retail customers, which is significant for a commercial bank, are considered. The perspective of the development of retail banking lending and its role in the development of the country's economy is considered. Suggestions and recommendations for improving retail lending are given

The article presents an analysis of the dynamics of economic indicators of the trade sector of the Bukhara region in 2012-2022. Based on the analysis, the dynamics of growth in the volume of retail trade, the number of business entities providing retail trade services, the dynamics of the period of retail trade and trade turnover in the Bukhara region are determined. Against the background of an increase in the share of imports and a decrease in the number of employees in the industry, proposals have been developed to increase the competitiveness of trade services by increasing labor productivity, introducing innovations into the industry, and organizing additional trade services.

In this article, the level of inter-regional interdependence and inter-regional equality in the development of the tourism sector is studied. For this, the hotel industry was studied and the level of distribution of hotels across regions was considered. In addition, tourist agencies and organizations were studied, and the degree of their inter-regional distribution was also seen. In addition, in order to create demand for the main segments of tourism mentioned above, it was seen as an urgent topic to pay attention to existing resources and to create new modern resources. In order to increase the number and quality of resources, a number of suggestions were made based on the potential of each region.

Direct or indirect regulation of the banking services market serves to prevent and minimize negative situations that may occur. Regulation and control of the market of banking services by the Central Bank will not only develop inter-bank competition in the country, but also create a basis for increasing the quantity and quality of banking services. From this point of view, the research and improvement of regulatory practices of the banking services market in the Republic of Uzbekistan is a factor of sustainable development of the banking system. In this article, the issues of regulation of the market of banking services in the Republic of Uzbekistan are studied and relevant recommendations are developed.

This article discusses the current concepts of modern accounting in trading enterprises, as well as the priority areas of its development and the specific features of the industry, the widespread use of modern technologies in the further development of trading enterprises to achieve time and labor productivity, as well as the adaptation of accounting of trading enterprises to international standards.

In this article, the equal importance of its main segments in the development of tourism and increasing its effectiveness is highlighted, and the importance of the direction that has been relatively neglected is touched upon. As such direction, retail (souvenir) shops were taken as a research object and thoroughly studied. In particular, factors directly and indirectly affecting it and their types were studied. In addition, it was considered as a key segment in the development of the tourism sector, and its importance was studied. The regional variety and uniqueness of souvenirs was studied, and it was studied that they originate from the uniqueness of each local settlement. In the conclusion and suggestions part of the article, the conclusion and several suggestions of the writer based on his own thoughts for the perspective of retail (souvenir) shops are given.