Tijorat banklari orqali jinoiy yo‘l bilan olingan daromadlarni legallashtirishga qarshi kurashish mexanizmlari
DOI:
https://doi.org/10.5281/zenodo.16879893Keywords:
AML, CFT, tijorat banklari, shubhali tranzaksiyalar, FATF, EAG, riskga asoslangan yondashuvAbstract
Ushbu maqolada O‘zbekiston Respublikasi tijorat banklari orqali jinoyiy yo‘l bilan olingan daromadlarni
legallashtirishga qarshi kurashish (AML) mexanizmlari, ularning huquqiy asoslari va amaldagi tizim samaradorligi
tahlil qilinadi. Milliy qonunchilikning FATF va EAG xalqaro standartlariga moslashuvi jarayoni, bank ichki monitoring
tizimlarining ishlash prinsiplari hamda riskga asoslangan yondashuvning afzalliklari yoritiladi. Shuningdek, 2018–2024-
yillar davomidagi statistik ma’lumotlar, trendlar va prognozlar asosida AML tizimining amaliy natijalari baholanadi. Tahlil
natijalariga ko‘ra, bank sektorida shubhali tranzaksiyalarni aniqlash aniqligi (precision) ko‘rsatkichi yildan-yilga oshib
bormoqda, biroq noto‘g‘ri ogohlantirishlar (false positives) ulushi yuqoriligicha qolmoqda. Tadqiqot yakunida tijorat
banklarida AML/CFT mexanizmlarini yanada takomillashtirish bo‘yicha amaliy tavsiyalar ishlab chiqilgan
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