SUN’IY INTELLEKT TEXNOLOGIYALARI ASOSIDA TIJORAT BANKLARIDA RISK-MENEJMENT SAMARADORLIGINI OSHIRISH

Sanjar Davronov

SUN’IY INTELLEKT TEXNOLOGIYALARI ASOSIDA TIJORAT BANKLARIDA RISK-MENEJMENT SAMARADORLIGINI OSHIRISH

Authors

Sanjar Davronov

Keywords:

sun’iy intellekt, risk-menejment, tijorat banklari, kredit riski, bozor riski, operatsion risk, prediktiv analitika, mashinaviy o‘rganish, firibgarlikni aniqlash, raqamli bank.

Abstract

Mazkur maqolada tijorat banklari faoliyatida risk-menejment tizimini sun’iy intellekt texnologiyalari asosida
takomillashtirishning nazariy va amaliy jihatlari tadqiq etilgan. Bank tizimida kredit riski, likvidlik riski, operatsion risk,
bozor riski va firibgarlik xatarlarini boshqarishda sun’iy intellekt texnologiyalarining o‘rni tahlil qilinib, an’anaviy risk-boshqaruv
yondashuvlarining cheklovlari yoritilgan. Maqolada mashinaviy o‘rganish, prediktiv analitika, katta ma’lumotlar tahlili,
sun’iy neyron tarmoqlar va real vaqt monitoringi asosida risklarni aniqlash, baholash va oldindan prognozlash imkoniyatlari
ochib berilgan. Shuningdek, tijorat banklarida risk-menejment tizimini takomillashtirish bo‘yicha kompleks model taklif
etilib, unda ma’lumotlar integratsiyasi, algoritmik baholash, erta ogohlantirish mexanizmlari, adaptiv nazorat va qarorlarni
qo‘llab-quvvatlash tizimlari yagona tizim sifatida asoslangan. Tadqiqot natijalari sun’iy intellekt texnologiyalaridan foydalanish
bank risklarini boshqarish samaradorligini oshirish, yo‘qotishlar ehtimolini kamaytirish hamda moliyaviy barqarorlikni
mustahkamlashga xizmat qilishini ko‘rsatadi.

Author Biography

Sanjar Davronov

“Ipak Yo‘li” AIT banki, “Protsessing markazi” boshqarmasi,
Milliy to‘lovlar tizimining kliring amaliyotlari bo‘limi boshlig‘i

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SUN’IY INTELLEKT TEXNOLOGIYALARI ASOSIDA TIJORAT BANKLARIDA RISK-MENEJMENT SAMARADORLIGINI OSHIRISH