E Global Congress

METHODS AND TOOLS OF CREDIT RISK ASSESSMENT IN THE MODERN SYSTEM OF RISK MANAGEMENT

Ochilova Khusniya Olim kizi — 2025-01-08

This topic explores the essential practices and innovations in assessing credit risk within contemporary risk management, with a particular focus on financial institutions and markets like Uzbekistan’s. Credit risk assessment is central to determining a borrower’s likelihood of default and mitigating potential financial losses. Modern approaches leverage a mix of quantitative and qualitative tools, including statistical modeling, machine learning, and credit scoring systems, combined with more traditional evaluations like industry analysis and borrower interviews. These methods improve decision-making, operational efficiency, and the precision of risk evaluations.In the context of Uzbekistan, where economic reforms aim to strengthen the financial sector, credit risk assessment has a strategic importance aligned with national goals, such as those in the Uzbekistan 2030 Strategy. Regulatory compliance, coupled with these advanced tools, helps foster a more resilient financial environment, supportive of sustainable growth and financial inclusion. However, the topic also highlights challenges and criticisms, such as the risks of overreliance on technology and the need for balanced human judgment. In emerging markets, data limitations or biases in algorithms can compromise the accuracy of risk models, emphasizing the importance of combining advanced tools with local knowledge and traditional assessments. Overall, this topic underscores the vital role of effective credit risk assessment in building a stable financial system that can adapt to new risks and support economic development.

OPPORTUNITIES TO USE POSITIVE EXPERIENCES IN ENSURING THE FINANCIAL STABILITY OF FOREIGN INSURANCE COMPANIES

Khakberdiyev Bekzod Uktamovich — 2025-01-08

In foreign countries, extensive research is being conducted on the development of the insurance market infrastructure, ensuring the financial stability of insurance companies using scientific approaches and econometric instruments, and increasing the efficiency of companies based on the characteristics of the industry and sector. Today, it is relevant to conduct research aimed at assessing the effectiveness of insurance companies through multiplicative coefficients, determining the quantitative level of financial stability, and improving financial stability based on international standards and mechanisms. In our country, measures are being taken to further increase the importance of insurance companies in ensuring economic development, gradually increase their share in GDP, and further improve their participation in the securities market, as stipulated in the Regulation on "Investment Activities of Insurers and Reinsurers". Also, the introduction of modern insurance services through diversification of insurance services and the effective organization of active participation of the population in these processes are of great importance in ensuring the financial stability of insurance companies.

EFFECTIVE CARE OF EXPERIMENTAL DIABETES DEPENDS ON REGULAR MONITORING OF GLUCOSE AND GLYCATED HEMOGLOBIN LEVELS

Sobirova D. R. — 2025-01-10

Studying the morphofunctional state of pulmonary vascular endothelium in the alloxan diabetes model as a key aspect in evaluating the impact of diabetes on the pulmonary circulatory system. The study analyzed the morphometric changes in small and medium-diameter pulmonary blood vessels. It was found that alloxan diabetes leads to thickening of pulmonary capillary walls, narrowing of vessel diameters, and endothelial damage. These pathological processes are primarily associated with endothelial dysfunction, cellular degeneration, and the toxic effects of glucose.

EFFECTIVE CARE OF EXPERIMENTAL DIABETES DEPENDS ON REGULAR MONITORING OF GLUCOSE AND GLYCATED HEMOGLOBIN LEVELS

Sobirova D. R. — 2025-01-14

The link between glycemic control and the risk of developing microvascular complications in diabetes mellitus is well-documented in both domestic and foreign literature. The level of glucose and glycated hemoglobin (HbA1c) serves as the sole indicator of carbohydrate metabolism compensation, reflecting the quality of treatment and the likelihood of long-term complications in diabetes mellitus. Consequently, diabetes specialists worldwide emphasize the importance of regular HbA1c assessments, typically recommended to be conducted four times a year. Similarly, Uzbekistan also imposes the same frequency requirements for research.

FEATURES OF GATHERING EVIDENCE ABOUT THE RELIABILITY OF FINANCIAL STATEMENTS

Jumaboev Tolibjon Golib ugli — 2025-01-18

This scientific thesis is devoted to the issues of collecting audit evidence and forming an auditor’s opinion based on it. It describes the quantitative and qualitative characteristics of evidence, the description of the evidence collected at the stages of the audit, the important audit evidence selected for the important objects of the account, and the procedure for performing the evidence collection.