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A Methodology for Assessing the Effectiveness of the Introduction of Digital Technologies in Commercial Banks of Uzbekistan 评估乌兹别克斯坦商业银行引入数字技术的有效性的方法
Muyassarzoda Fayzieva
The main aim of this research is to develop a methodology for the assessment of the effectiveness of the introduction of new digital technologies in commercial banks in Uzbekistan. In the process of developing the methodology, assessment methodologies of digital technologies in various fields were studied and analyzed, such as agriculture, public administration, the oil industry. Studied and analyzed methodologies were used as secondary data in the data collection method in the research. The assessment process in compliance with this developed methodology is carried out in line with the algorithm diagram, which describes the assessment process step-by-step. At the end of the research, the researcher developed factors that can be used for the effective application of digital technologies in commercial banks in Uzbekistan.
本研究的主要目的是开发一种方法来评估乌兹别克斯坦商业银行引入新数字技术的有效性。在开发方法的过程中,对农业、公共行政、石油工业等各个领域的数字技术评估方法进行了研究和分析。在本研究的数据收集方法中,研究和分析的方法被用作次要数据。按照这种开发方法的评估过程按照算法图进行,该算法图一步一步地描述了评估过程。在研究的最后,研究人员得出了乌兹别克斯坦商业银行有效应用数字技术的因素。
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引用次数: 0
ECONOMETRIC MODELING OF CENTRAL BANK REFINANCING RATE IN UZBEKISTAN 乌兹别克斯坦中央银行再融资利率的计量经济模型
Shohjakhon Khamdamov, A. S. Usmanov, Ogiloy Abdulazizova, F. Isaev, Nodirbek Kholbaev, S. Makhmudov, Sabina Kholbaeva
We know that regulation of inflation, creating a favorable environment for market economy and ensuring economic growth is an important issue in every country. To achieve these goals, the monetary policy of the Central Bank, the influence of the refinancing rate is very large. How much do factors affect the central bank's main rate? To answer these pressing questions, we conducted a scientific research. Analytical data for the research were used from the official website of the Central Bank of the Republic of Uzbekistan and the official data of the State Statistics Committee. In the study, quarterly indicators were observed for the years 2016-2022, and the number of observations was 26. In the study, regression, Cook's Distance test and Forward stepwise econometric methods were used using IBM SPSS Statistics 25 program. In the analysis, factors affecting the rate of refinancing of the Central Bank of the Republic of Uzbekistan were selected as the factors of the country's inflation rate, the percentage of deposits in commercial banks, the percentage of preferential loans, the average percentage of total loans, the percentage of consumer loans, and a regression model was created. The level of reliability of the model was checked by the Forward stepwise method and the result was 89.4%. As a result of the study, it was determined that only 3 of the 5 selected factors have an effect on the refinancing rate of the Central Bank and how much of an effect it has. The same 3 factors were included in the model: inflation rate, percentage of deposits in commercial banks, percentage of preferential loans. The number of migrants from Russia has been increasing sharply in Uzbekistan in recent months because of the Ukrain War. It is necessary to determine the degree of influence of these migration factors on the refinancing rate of the Central Bank of the Republic of Uzbekistan.
我们知道,控制通货膨胀,为市场经济创造良好的环境,保证经济增长,是每个国家的重要问题。要实现这些目标,央行的货币政策,对再融资利率的影响是非常大的。影响央行主要利率的因素有多大?为了回答这些迫切的问题,我们进行了一项科学研究。本研究的分析数据来自乌兹别克斯坦共和国中央银行的官方网站和国家统计委员会的官方数据。本研究对2016-2022年的季度指标进行了观测,观测次数为26次。本研究采用IBM SPSS Statistics 25程序,采用回归、库克距离检验和正向逐步计量经济学方法。在分析中,选取影响乌兹别克斯坦共和国中央银行再融资率的因素作为该国通货膨胀率、商业银行存款比例、优惠贷款比例、贷款总额平均比例、消费贷款比例的因素,建立回归模型。采用正演逐步法检验模型的信度水平,结果为89.4%。研究结果表明,所选的5个因素中,只有3个因素对央行再融资利率有影响,影响程度有多大。模型中也包括了同样的三个因素:通货膨胀率、商业银行存款比例、优惠贷款比例。由于乌克兰战争,近几个月来,来自俄罗斯的移民在乌兹别克斯坦急剧增加。有必要确定这些移民因素对乌兹别克斯坦共和国中央银行再融资利率的影响程度。
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引用次数: 0
Strengthen Digitalization Technologies on Regulation of Labor Migrant Workers Abroad 加强数字化技术对外出务工人员的监管
Odiljon Rixsimbayev, Sulkhiya Gazieva, Mukhabbat Toshmurodova, Gavkhar Khidirova, Narzillo Rustamov
Our goal is to precisely define the relationship between digitalization process development and labor migrant workers' outflow abroad. This paper contests the claim that any relationship between labor migrant workers and the digital regulation process. The research also aimed to determine how important ICT is for workers' daily activity abroad in evidence from the 5 regions of Uzbekistan. The study uses quantitative analysis to gain insights into migrant workers' pull factors. We analyzed a unique panel dataset of five independent variables in the period of ranging 2017-2021. There is a linear relationship (correlation) between keywords occurrences and their total strength. But, using fixed effects and random effects models, we found significant changes in the model. By analyzing the Hausman test we found test results Prob>chi2 = 0.0001, so we use Random effect model parameters. But in this model, only internet personal users have a negative relationship by 3.428 units. As for sigma_u-303.64505, sigma_e- 824.88704 and rho .1193317 (fraction of variance due to u_i), analysis of the variability over time showed F-test that all u_i=0: F (4, 15) = 0.25 with Prob > F = 0.9075. It means model estimations need not necessarily pooled regression results. Mainly the study provides the first detailed evidence of the association with a migrant who left the country for working in Uzbekistan regions.
我们的目标是准确界定数字化进程发展与农民工外流之间的关系。本文对农民工与数字监管过程之间存在任何关系的说法提出了质疑。该研究还旨在通过乌兹别克斯坦5个地区的证据确定ICT对工人在国外日常活动的重要性。本研究采用定量分析的方法来深入了解农民工的拉动因素。我们分析了一个独特的面板数据集,其中包括2017-2021年期间的五个自变量。关键词的出现次数与其总强度之间存在线性关系(相关性)。但是,使用固定效应和随机效应模型,我们发现模型发生了显著变化。通过分析Hausman检验,我们发现检验结果Prob>chi2 = 0.0001,所以我们使用Random effect模型参数。但在该模型中,只有互联网个人用户负向关系为3.428个单位。对于sigma_u-303.64505, sigma_e- 824.88704和rho .1193317(由于u_i的方差分数),随时间的变异性分析显示,F-检验表明所有u_i=0: F (4,15) = 0.25, Prob > F = 0.9075。这意味着模型估计不一定需要汇总回归结果。主要是,这项研究提供了第一个详细的证据,证明这种联系与离开该国到乌兹别克斯坦地区工作的移民有关。
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引用次数: 0
DO R&D AND DIGITALIZATION AFFECT SHADOW ECONOMY IN UZBEKISTAN? 研发和数字化对乌兹别克斯坦影子经济有影响吗?
Maftuna Amanova
The purpose of this article is to determine the impact of the economy digitalization on reduction of the share of the shadow sector as a whole. This study is focused on the analysis of the impact of spending on research and development and the prevalence and availability of the Internet among the population on the share of the shadow economy as a whole; and the impact of the availability of Internet and personal computers in firms on the percentage of the shadow labor force. Analysis and synthesis of diverse views and generalization of statistics help to conclude concerning the benefits and risks of digitalization for the shadow economy. Macroeconomic data for the period 2000-2020 from the open data of the World Bank, calculated by the Multiple Indices Multiple Causes model for Uzbekistan and Ordinary Least Squares regression model are used to discover both positive and negative effects digitalization proxies on shadow economy. Statistic data for the Informal employment (2015-2020) is taken from the State Committee of the Republic of Uzbekistan on Statistics. Results allow to distinguish possible legal, regulatory and technical recommendations to reduce shadow sector. According to the estimation results, there is a negative relationship between the shadow sector and the country's research and development expenditure amount and the number of personal computers negatively correlated with the share of informal employment, meanwhile, an increase in internet availability both for individuals and firms encourages further deeper research into this problem.
本文的目的是确定经济数字化对降低整个影子部门份额的影响。本研究的重点是分析研究和开发支出以及互联网在人口中的普及和可用性对整个影子经济份额的影响;以及公司中互联网和个人电脑的可用性对影子劳动力百分比的影响。对各种观点的分析和综合以及统计数据的归纳有助于得出关于数字化对影子经济的利弊的结论。本文利用世界银行开放数据中的2000-2020年宏观经济数据,采用乌兹别克斯坦的多指标多原因模型和普通最小二乘回归模型计算,发现数字化代理对影子经济的正面和负面影响。非正式就业统计数据(2015-2020年)来自乌兹别克斯坦共和国国家统计委员会。结果允许区分可能的法律、监管和技术建议,以减少影子部门。根据估算结果,影子部门与国家研发支出金额呈负相关关系,个人电脑数量与非正规就业份额呈负相关关系,同时,个人和企业互联网可用性的增加鼓励了对这一问题的进一步深入研究。
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引用次数: 0
SOCIO-ECONOMIC NECESSITY AND PROSPECTS FOR THE INTRODUCTION OF THE DIGITAL ECONOMY 引入数字经济的社会经济必要性和前景
J. Tukhtabaev, O. Bondarskaya, G. M. Abdulxayeva, D. Sabirova, Rushana Rashidovna Mamarayimova, Zuhra Baxtiyor kizi Ibroximova, F. M. Isroilova, Dostonbek Dilmurod ug'li Kurolboyev
This article discusses the socio-economic benefits of the introduction of the digital economy. The relevance of this article is due to the fact that in recent years digital technologies have penetrated into all sectors and links of the economy, becoming one of the most promising means of development at the macro, meso and micro levels. Within the framework of this study, the problems associated with the introduction of digital technologies were studied, its socio-economic significance was analyzed. Scientific and practical proposals and recommendations have been developed to achieve the socio-economic efficiency of the introduction of the digital economy.
本文讨论了引入数字经济的社会经济效益。这篇文章的相关性是由于近年来数字技术已经渗透到经济的各个部门和环节,成为宏观、中观和微观层面上最有希望的发展手段之一。在本研究的框架内,研究了与数字技术引入相关的问题,并分析了其社会经济意义。为实现引入数字经济的社会经济效率,已经制定了科学和实用的提案和建议。
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引用次数: 0
FACTORS THAT INCREASE THE EFFECTIVENESS OF HYBRID TEACHING IN A DIGITAL EDUCATIONAL ENVIRONMENT 提高数字教育环境下混合教学效果的因素
Mukhabbat Fayziyevna Khakimova, Mexribonu Sheraliyevna Kayumova
In this article, we present the functional characteristics of the qualities of students' professional competence in the hybrid educational environment. We have shown the criteria and indicators of students' analysis-synthesis algorithm. We have considered ways of developing students' creative activity and professional competencies. We have provided information on virtual learning tools based on a mutually beneficial combination of the communicative level and self-motivational preparation factors in the cognitive domain.
本文提出了混合教育环境下学生专业能力素质的功能特征。给出了学生分析综合算法的标准和指标。我们考虑了培养学生创造性活动和专业能力的方法。我们提供了基于交际水平和自我激励准备因素在认知领域的互利组合的虚拟学习工具的信息。
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引用次数: 0
AN OVERVIEW OF CHALLENGES IN MEDICAL IMAGE PROCESSING 医学图像处理的挑战概述
A. O. A. Deheyab, M. H. Alwan, Islam khalid Abdul Rezzaqe, O. A. Mahmood, Y. Hammadi, A. N. Kareem, Maha Ibrahim
Computers and various imaging technologies effectively enhanced the diagnostic procedures of medical imaging, where various medical images enhance the early diagnosis, characterizing and discriminating of different health problems, which lead to efficient healthcare services and treatments. Digital image processing and medical images analysis can significantly support medical diagnosis by providing the necessary tools for automatic detection, extracting significant information and accurate measurement of visible abnormalities. However, there are many challenges related to medical images as well as challenges that arise during the various stages of image processing. This paper provides an overview of different challenges related to medical images and medical image processing. The most prominent and significant challenges are identified and introduced not to discourage the interested researchers in this field of image processing, but to fill the gap of missing a comprehensive overview on these challenges.
计算机和各种成像技术有效地增强了医学成像的诊断程序,其中各种医学图像增强了对不同健康问题的早期诊断,表征和区分,从而实现高效的医疗保健服务和治疗。数字图像处理和医学图像分析可以为医学诊断提供必要的工具,用于自动检测、提取重要信息和准确测量可见异常。然而,与医学图像相关的挑战以及在图像处理的各个阶段出现的挑战很多。本文概述了与医学图像和医学图像处理相关的不同挑战。识别和介绍最突出和最重要的挑战,不是为了阻止对图像处理领域感兴趣的研究人员,而是为了填补对这些挑战进行全面概述的空白。
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引用次数: 0
DATA ANALYSIS AND FORECASTING IN AGRICULTURAL ENTERPRISES 农业企业数据分析与预测
S. Qulmatova, Botirjon Karimov, D. Azimov
In economic-statistical modeling, the use of a linear regression model gives high results in the analysis of the relationship between economic indicators and production factors. The article analyzes the relationship between the volume of agricultural production and agricultural techniques using multiple regression models. As we know, it is important to get a better result for the decline of multiple regression. It is important to normalize the data set using feature-scaling techniques to get a good accuracy of the results. In this experiment, we also worked with scaling the dataset. First, we tried standard scalers algorithm and calculated the loss using the mean square error. In this way we achieved an accuracy of regression of mean square error 2.48, residual (between and ) sum of square is 6.16 and mean square error 1.03 terms. This work proves what can be predicted from multiple regressions and provides a guide to the impact of techniques on agricultural production.
在经济统计建模中,使用线性回归模型在分析经济指标与生产要素之间的关系方面具有很高的效果。本文运用多元回归模型分析了农业产量与农业技术之间的关系。正如我们所知,对于多元回归的衰落,得到一个更好的结果是很重要的。使用特征缩放技术对数据集进行归一化以获得良好的结果准确性是很重要的。在这个实验中,我们还研究了数据集的缩放。首先,我们尝试了标准标量算法,并利用均方误差计算了损失。通过这种方法,我们获得了均方误差2.48,残差(和)平方和6.16,均方误差1.03项的回归精度。这项工作证明了多重回归可以预测什么,并为技术对农业生产的影响提供了指导。
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引用次数: 0
Linking the potentials of customer behavior focused digital marketing technologies and entrepreneurship growth: Developing an analytical hierarchy process framework of business growth supported by digital marketing technologies 连接以客户行为为中心的数字营销技术和创业成长的潜力:开发一个由数字营销技术支持的业务增长的分析层次过程框架
N. Sharopova
The contemporary customers are positioned as the complex and constantly changing nature of market that challenges entrepreneurs. Adequate Understanding this nature would bring a profit and overall progress of both the company business and the individuals inside the company. In addition to this, customer impulsive buying behavior is one of the most important factors that need to be considered in making the correct decision and taking right actions. Thus, the paper fits in this context by proposing the economic and marketing framework connected with complex analysis of customer purchasing habits. Literature review and stakeholder interview-based analysis of the link between the impact of digital marketing technologies and entrepreneurial challenges and growth areas result in the identification of criteria that influence to both customers buying behavior and digital marketing strategies. Good solution to the problem of evaluating impulsive customer buying behavior, we propose the Analytical Hierarchical Process (AHP) method which has strong mathematical base by utilizing those criteria useful to develop entrepreneurial areas and digital marketing tactics connected to the business growth. This method is used to make quality customer buying behavior and marketing technology evaluation and selection of the best marketing technology and the most important factors that influence highly customer buying behavior, in case of entrepreneurship development.
当代客户被定位为复杂且不断变化的市场,这对企业家提出了挑战。充分了解这种性质将为公司业务和公司内部的个人带来利润和整体进步。除此之外,顾客的冲动购买行为也是做出正确决策和采取正确行动时需要考虑的最重要的因素之一。因此,本文通过提出与客户购买习惯的复杂分析相联系的经济和营销框架来适应这一背景。文献回顾和基于利益相关者访谈的数字营销技术与创业挑战和增长领域的影响之间的联系分析导致确定影响客户购买行为和数字营销策略的标准。很好地解决了评估冲动客户购买行为的问题,我们提出了层次分析法(AHP)方法,该方法具有强大的数学基础,利用这些标准有助于开发与业务增长相关的创业领域和数字营销策略。该方法用于对优质客户购买行为和营销技术进行评价和选择,在创业发展的情况下,选择最优的营销技术和对客户购买行为影响最大的最重要因素。
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引用次数: 0
A systematic mapping study of using digital marketing technologies in health care: the state of the art of digital healthcare marketing 在医疗保健中使用数字营销技术的系统映射研究:数字医疗保健营销的艺术状态
Maksud Kurolov
People are getting smarter and more selective to use quality healthcare services concerning with sustainability of their mental and physical health. Understanding the behavioral patterns of those smart customers requires careful consideration of digital marketing strategies so that healthcare businesses can maximize the awareness and loyalty of the customers for their healthcare service. Thus, updating the digital healthcare marketing plan with current advances in digital healthcare marketing research becomes a key commitment of health care business managers who must implement adequate healthcare marketing strategies for the sustainability and survival of their business in highly changing and fiercely competitive health care markets. This study aims to systematize the literature of digital healthcare marketing through content taxonomy and logical generalization, thereby addressing the current state of the art. Relevant studies from four academic databases were reviewed, analyzed, and categorized concerning research questions. The research findings highlight connected and cognitive devices and blockchain as the most common categories of the usage of digital marketing technologies in human care services. The systematic mapping study proves that digital marketing is today an integral part of the promotion of medical business in the network, revealing the future research directions where insufficient understanding of the correct use of the cutting-edge technology applications such as artificial intelligence exists.
人们越来越聪明,越来越有选择性地使用高质量的医疗保健服务,这与他们的精神和身体健康的可持续性有关。了解这些聪明客户的行为模式需要仔细考虑数字营销策略,以便医疗保健企业可以最大限度地提高客户对其医疗保健服务的认知度和忠诚度。因此,根据数字医疗营销研究的最新进展更新数字医疗营销计划成为医疗保健业务经理的一项关键承诺,他们必须实施适当的医疗保健营销策略,以便在高度变化和竞争激烈的医疗保健市场中实现业务的可持续性和生存。本研究旨在通过内容分类和逻辑概括系统化数字医疗营销的文献,从而解决当前的艺术状态。对四个学术数据库的相关研究进行综述、分析和分类。研究结果强调,连接和认知设备以及区块链是数字营销技术在人类护理服务中最常见的使用类别。系统的图谱研究证明,数字营销是当今医疗业务网络推广不可或缺的组成部分,揭示了对人工智能等前沿技术应用正确使用认识不足的未来研究方向。
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引用次数: 0
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Proceedings of the 6th International Conference on Future Networks & Distributed Systems
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