Tijorat banklarida operatsion risklarini baholash va boshqarish tizimini tashkil qilish
DOI:
https://doi.org/10.5281/zenodo.15766004Keywords:
operatsion tavakkalchilik, tijorat banklari, risk appetit, sun’iy intellekt (SI).Abstract
Mazkur maqolada tijorat banklarida operatsion tavakkalchiliklarni baholash va boshqarish tizimini
shakllantirish masalalari chuqur tahlil etilgan. Tadqiqotda O‘zbekiston bank tizimining amaldagi normativ-huquqiy bazasi,
xususan, Markaziy bankning 3427-sonli “Banklar va banklar guruhlarining tavakkalchiliklarni boshqarish tizimiga doir
talablar to‘g‘risida”gi nizomida belgilangan talablar o‘rganiladi. Shuningdek, AQSh, Buyuk Britaniya va Singapur kabi ilg‘or
davlatlar tajribasi asosida real vaqtli monitoring, sun’iy intellektga asoslangan anomal faoliyatlarni aniqlash tizimlari va
risk axboroti platformalari kabi texnologik yondashuvlar tahlil qilinadi.
Tadqiqot natijasida O‘zbekiston bank sektorida operatsion tavakkalchiliklarni samarali boshqarishga to‘sqinlik qilayotgan
asosiy muammolar aniqlanib, ularni bartaraf etish bo‘yicha amaliy tavsiyalar ishlab chiqilgan. Jumladan, risk appetit tizimini
takomillashtirish, stress-test amaliyotini chuqurlashtirish va ilg‘or axborot texnologiyalarini integratsiya qilish zarurligi
asoslab berilgan. Mazkur maqola tijorat banklari, tahlilchilar va bank nazoratchilari uchun ilmiy-uslubiy ahamiyatga ega
manba sifatida xizmat qiladi.
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