RAQAMLI IQTISODIYOT SHAROITIDA BANK VA KREDIT TIZIMIDA INTELLEKTUAL TEXNOLOGIYALARDAN FOYDALANISH ORQALI MOLIYAVIY BOSHQARUV SAMARADORLIGINI OSHIRISH
Keywords:
Kalit so’zlar: kredit skoring, sun’iy intellekt, bank tizimi, moliyaviy boshqaruv, kredit riski, raqamli transformatsiya, O’zbekiston, Kapitalbank, muddati o’tgan kreditlar, mashinali o’rganish.Abstract
ANNOTATSIYA
Ushbu tadqiqot Kapitalbank MChJ 2019–2024 yillar kredit ma’lumotlari asosida
sun’iy intellekt asosidagi skoring tizimini joriy etish natijalarini o’rganadi. Tahlil
uchun 2 400 dan ortiq kredit arizasi ma’lumoti qo’llanilib, O’zbekiston Markaziy banki
statistikasi va bank ochiq hisobotlari asosida muddati o’tgan kreditlar ulushining 2022–
2024 yillar davomida sezilarli kamayishi (taxminan 4,5 foizgacha) qayd etilgan.
Tadqiqot ko’rsatdiki, bu natijaga texnologiyaning o’zi emas, balki to’plangan kredit
tarixi bazasi va xodimlarning yangi tizimga tayyor bo’lishi hal qiluvchi rol o’ynagan.
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