SUN’IY INTELLEKT SHAROITIDA TIJORAT BANKLARINING KREDIT PORTFELI RISKLARINI BOSHQARISH MEXANIZMINI TAKOMILLASHTIRISH
DOI:
https://doi.org/10.5281/zenodo.22955925Abstract
Maqolada sun’iy intellekt texnologiyalarini bank faoliyatiga faol joriy etish sharoitida tijorat banklarining kredit portfeli risklarini boshqarish mexanizmini takomillashtirish yo‘nalishlari tadqiq etilgan. Kredit riskini aniqlash, baholash, monitoring qilish va prognozlashning an’anaviy yondashuvlarini raqamli bank xizmatlari ko‘lamining kengayishi hamda kredit qarorlarini qabul qilishda foydalanilayotgan ma’lumotlar hajmining ortishi sharoitida transformatsiya qilish zarurati asoslangan. Tadqiqotda kredit oluvchilarning kreditga layoqatliligini baholash, muammoli kreditlarning yuzaga kelish ehtimolini oldindan aniqlash, kredit portfelini segmentatsiyalash hamda erta ogohlantirish tizimini takomillashtirishda mashinali o‘qitish va intellektual ma’lumotlar tahlili texnologiyalaridan foydalanish imkoniyatlariga alohida e’tibor qaratilgan. O‘zbekiston Respublikasi Markaziy bankining rasmiy ma’lumotlari asosida tijorat banklari kredit portfeli va muammoli kreditlarining uch to‘liq yillik (2023–2025-yillar) dinamikasi tahlil qilingan: kredit portfeli 54,9 foizga, muammoli kreditlar hajmi 29,0 foizga oshgan, ularning ulushi esa 3,6 foizdan 3,0 foizgacha pasaygan, biroq 2024-yilda NPL o‘sishi (27,5 foiz) portfel o‘sishidan ikki baravardan ko‘proq yuqori bo‘lgan. Kredit risklarini boshqarishning amaldagi tizimiga sun’iy intellekt texnologiyalarini integratsiya qilish, ichki nazorat mexanizmlari va mas’uliyatli kreditlash tamoyillarini uyg‘unlashtirishga asoslangan konseptual yondashuv taklif etilgan.Keywords
sun’iy intellekt, tijorat banklari, kredit portfeli, kredit riski, risklarni boshqarish, muammoli kreditlar, mashinali o‘qitish, kreditga layoqatlilik, bank faoliyatini raqamlashtirish, erta ogohlantirish.References
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