Summary: Creative use of the developed countries experience on realization of measures of state support of innovative processes in economy takes on a special significance for the Republic of Uzbekistan. The state regulation of innovative activity, realized by means of purposeful influence of state bodies on economic interests of institutes of innovative sphere, assumes as a condition of its efficiency a prediction of reactions of these institutes on these actions.

In the article there analyzed the innovative policy of Uzbekistan concerning groups of the industries different by character, volume of the resources necessary for updating and modernization of industrial potential on the basis of realization of domestic achievements of science and technology.

Keywords: innovations, innovative process, innovative activity, modernization of industry, market.

Summary:Issues of development of retail bank service represent insufficiently studied sphere of domestic economic science. In particular, there is no uniform point of view concerning determination of retail bank services and a majority of proceedings consider bank service of individuals from national economy without specifying its regional features, thus marketing approach to development and realization of development strategy of commercial banks and quality standards of customer service is insufficiently used.  The article can be served as a precondition for further researches on issues of improving the process of rendering retail services by commercial banks.

 Keywords: services, banks, financial business, bank risks