RAQAMLI IQTISODIYOT SHAROITIDA TIJORAT BANKLARIDA KREDIT RISKINI OLDINI OLISHNING NAZARIY ASOSLARI
Keywords:
Kalit so‘zlar: kredit riski, raqamli iqtisodiyot, tijorat banki, riskni oldini olish, sun’iy intellekt, mashinali o‘qitish, kredit skoringi, muqobil ma’lumotlar, Bazel kelishuvi, moliyaviy barqarorlik.Abstract
Annotatsiya. Mazkur maqolada raqamli iqtisodiyot sharoitida tijorat
banklarida kredit riskini oldini olishning nazariy-uslubiy asoslari tadqiq etilgan.
Kredit riskining iqtisodiy mohiyati, tarkibiy unsurlari (defolt ehtimoli, defolt holatidagi
yo‘qotish va riskka tortilgan mablag‘) hamda tasnifi ilmiy nuqtai nazardan ochib
berilgan. Raqamli texnologiyalar — sun’iy intellekt, mashinali o‘qitish, katta
ma’lumotlar va muqobil ma’lumot manbalari — ta’sirida kredit riskini boshqarish
paradigmasining o‘zgarishi, an’anaviy va raqamli yondashuvlar qiyosiy tahlil
qilingan. Tadqiqot natijasida kredit riskini oldini olishning to‘rt bosqichli
(identifikatsiya, baholash, monitoring va kamaytirish) konseptual modeli taklif etilgan
hamda O‘zbekiston bank tizimi uchun nazariy va amaliy xulosalar ishlab chiqilgan.
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