Ermatov Musodjalil Komilovich was born in 1966 in the Asaka district of the Andijan region. He is highly educated. He: In 1990 he graduated from the Andijan Institute of Cotton Growing; In 1994 he graduated from the Andijan Institute of Economics and Management; In 1997 he graduated from the Banking and Finance Academy of the Republic of Uzbekistan; In 2002, he graduated from full-time graduate school at the Banking and Finance Academy of the Republic of Uzbekistan; Candidate of Economic Sciences, Associate Professor V. and about. Since 2022, acting assistant professor has been working. Department of Finance, Faculty of Economics, Alfraganus University His research is devoted to the development of the banking and financial system, improving the directions of the state trust fund. More than 50 research results on this topic have been published in international and national scientific publications. Author of 1 monograph and 1 co-authored brochure.