TIJORAT BANKLARIDA KREDIT RISKLARINI BOSHQARISHNING INNOVATSION USULLARI
DOI:
https://doi.org/10.5281/zenodo.17471176Keywords:
kredit riski, Basel III, skoring, regressiya modeli, sun’iy intellekt, big data, risk-menejment, tijorat banklari.Abstract
Maqolada O‘zbekiston tijorat banklarida kredit risklarini boshqarish tizimi va uning innovatsion usullari
tahlil qilinadi. Tadqiqotda Basel III standartlari, risklarni baholashda sun’iy intellekt va “big data” texnologiyalaridan
foydalanish amaliyoti yoritilgan. Shuningdek, kredit portfeli sifati ko‘rsatkichlari asosida regressiya modeli tuzilib, risklarni
kamaytiruvchi omillar aniqlangan. Natijalar asosida banklarda raqamli monitoring va skoring tizimlarini takomillashtirish
bo‘yicha tavsiyalar ishlab chiqilgan.
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