Tezisda O‘zbekiston Respublikasida to‘lovga qobiliyatsizlik tartib-taomillarini raqamli transformatsiya qilish masalalari ko‘rib chiqiladi. Mazkur sohada milliy qonunchilikni takomillashtirishning asosiy yo‘nalishlari, shuningdek, to‘lovga qobiliyatsizlik to‘g‘risidagi ishlarni an’anaviy shakllarda yuritishda yuzaga keladigan muammolar tahlil qilinadi. Sud, kreditorlar, sud boshqaruvchilari va boshqa ishtirokchilar o‘rtasidagi elektron hamkorlikni ta’minlaydigan yagona raqamli muhitni shakllantirish zarurligi asoslanadi. O‘zbekiston Respublikasi Prezidentining 2026-yil 6-maydagi «To‘lovga qobiliyatsizlik institutini yanada takomillashtirish chora-tadbirlari to‘g‘risida»gi PF-78-son Farmoni bilan belgilangan vazifalarga alohida e’tibor qaratiladi. Mazkur hujjatda to‘lovga qobiliyatsizlik tartib-taomillarini boshqarishning raqamli mexanizmlarini rivojlantirish hamda tegishli institutsional infratuzilmani takomillashtirishga yo‘naltirilgan chora-tadbirlar nazarda tutilgan. Qarzdorlarning moliyaviy holati to‘g‘risidagi ma’lumotlarni qayta ishlash, inqiroz holatlarining belgilarini aniqlash va qarorlar qabul qilish tezkorligini oshirishda elektron platformalar, tahliliy vositalar va sun’iy intellekt texnologiyalaridan foydalanish imkoniyatlari ko‘rib chiqiladi. Raqamlashtirish to‘lovga qobiliyatsizlik tartib-taomillarining shaffofligi va samaradorligini oshirish, ma’muriy xarajatlarni kamaytirish, korrupsiya xavflarini pasaytirish hamda tadbirkorlik subyektlarini o‘z vaqtida moliyaviy sog‘lomlashtirish uchun sharoit yaratishga xizmat qilishi mumkin degan xulosaga kelinadi.

The theses examine the digital transformation of insolvency procedures in the Republic of Uzbekistan. The main directions of improving national legislation in this area are considered, along with the problems associated with the traditional administration of insolvency proceedings. The paper substantiates the need to establish a unified digital environment that would facilitate electronic interaction between courts, creditors, insolvency administrators and other participants in the proceedings. Particular attention is paid to Presidential Decree No. UP-78 of May 6, 2026, “On measures for further improvement of the insolvency institution”, which provides for the development of digital mechanisms for administering insolvency procedures and the improvement of the relevant institutional infrastructure. The potential use of electronic platforms, analytical tools and artificial intelligence technologies for processing information on the financial condition of debtors, identifying signs of financial distress and improving the efficiency of decision-making is considered. It is concluded that digitalization can increase the transparency and effectiveness of insolvency procedures, reduce administrative costs and corruption risks, and create conditions for more timely financial rehabilitation of business entities.