Commercial banks provide trade finance services such as letters of credit and bank guarantees that facilitate international trade. In addition to financing, commercial banks in Uzbekistan also play an important role in promoting financial inclusion. They offer a range of financial products and services to individuals of all income levels, including savings accounts, debit cards and personal loans. It will help promote financial literacy and inclusion in the country. Commercial banks also make a significant contribution to the growth of the economy by attracting savings of the population and business entities. They pool these funds and allow them to be used for investment in various sectors of the economy. This will help stimulate economic growth and development.

It is clear that the implementation of construction projects is not safe and spontaneous. In most cases, an incorrect assessment of the current situation in construction, errors in the application of construction technologies and calculations, as well as imperfection of the primary documents permitting construction, lead to risks in construction. In order to prevent construction risks when designing construction projects, it is necessary to take into account the necessary insurance from the economic and technological side. Therefore, during design, costs are calculated, estimates are drawn up, technical and economic aspects of construction are analyzed, and then provided to insurance companies to determine insured amounts. This serves as a necessary measure to allow the client to avoid construction risks, especially those associated with loss of property.

There is presented in the article the findings, sugestions and recommendations for obtaining audit evidence, the quality of the organization’s data and the financial condition of the audited entity, as well as their documentation based on international standards.

The transition to a "green economy" necessitates significant investments across all sectors, particularly within industrial networks. This abstract examines the crucial role of these investments in fostering sustainable practices, promoting innovation, and driving economic growth. By exploring the multifaceted impact of green investments on industry networks, the abstract highlights the importance of public-private partnerships, policy incentives, and technological advancements in enabling a successful and equitable transition. Furthermore, the abstract emphasizes the need for a comprehensive framework that considers both economic and environmental objectives, ensuring that green investments contribute to a prosperous and sustainable future.

Marketing is the activity, set of institutions, and processes for creating, communicating, delivering, and exchanging offerings that have value for customers, clients, partners, and society at large.

Although marketing has always been crucial to building a company's reputation and fostering growth, our approach to promoting goods and services has evolved significantly over time. Technology, social media, smart gadgets, and easy access to the internet have all contributed to the evolution of marketing, making conventional approaches useless for generating steady growth.

Improving internal audit processes plays a crucial role in shaping socio-economic landscapes in various sectors. This improvement has significant implications for financial integrity, fraud prevention, compliance, governance, operational efficiency, risk management, investor confidence, job creation, public trust, innovation, growth and global competitiveness. By ensuring clarity, transparency and ethical practices, improved internal audits contribute to a sustainable and prosperous economy, while building trust among stakeholders and attracting investment.

Economic tourism development significantly influences financial, social, and societal dynamics within the public sphere. This paper examines the multifaceted impacts of tourism-driven economic growth, highlighting its effects on local economies, community social structures, and broader societal changes. Through a comprehensive analysis, we explore how increased tourism revenue contributes to financial stability and growth, while also affecting social cohesion and cultural exchange. The study further investigates the potential challenges, such as economic disparities and cultural erosion, that may arise from rapid tourism expansion. By understanding these transformative impacts, policymakers and stakeholders can better strategize to maximize the benefits of tourism while mitigating its negative consequences.

The article examines the advantages of cluster approaches in the fruit and vegetable sector. Foreign experiences related to the development and financing of fruit and vegetable clusters have been analyzed. Additional financial resources are needed for the development of high-tech industries and innovative projects related to the cultivation, harvesting, storage, processing, delivery and sale of fruit and vegetable products. Traditional and modern sources of financing investment projects in the field of fruit and vegetable growing are considered in this article. The purpose of the study is to evaluate the possibilities of alternative means of venture financing based on crowdfunding. In order to form and develop the innovative sector in Uzbekistan, conclusions are given on supporting small businesses in agribusiness. As a result of the observations, crowdfunding is considered one of the most common sources of alternative financing in developed countries due to the possibility of attracting resources to new promising projects based on high risk. The development of the crowdfunding system and directions aimed at supporting advanced investment projects were analyzed. A comparison with Jakhan's experience was described, legal aspects of the problem were considered. According to the results of the research, the problems hindering the introduction of new models of venture financing into the activities of fruit and vegetable clusters were studied, and the prospects for the development of the industry were considered.