“O‘ZBEKISTON TIJORAT BANKLARIDA RISKLARNI BOSHQARISHNI TAKOMILLASHTIRISH YO‘NALISHLARI” (2025) Journal of Universal Science Research, 3(10), pp. 96–107. Available at: http://universalpublishings.com/index.php/jusr/article/view/13855 (Accessed: 18 May 2026).