BANK TIZIMIDA KREDIT RISKLARINI KAMAYTIRISHNING ZAMONAVIY USULLARI VA ULARNING SAMARADORLIGI
DOI:
https://doi.org/10.5281/zenodo.17744718Keywords:
kredit riski, scoring-modellar, sun’iy intellekt, real vaqt monitoringi, garov likvidligi, Basel standartlari, raqamli moliya, bank barqarorligi, diversifikatsiyaAbstract
Maqolada bank tizimida kredit risklarini kamaytirishning zamonaviy yondashuvlari ilmiy asosda tahlil qilinadi.
Scoring-modellar, sun’iy intellekt algoritmlari, real vaqt monitoringi, portfelni diversifikatsiyalash, garov likvidligini baholash
va Basel standartlariga asoslangan risk boshqaruvi kabi mexanizmlarning samaradorligi ko‘rib chiqiladi. Raqamli moliya
infratuzilmasining kengayishi kreditga layoqatni baholash jarayonini takomillashtirayotgani hamda banklarning barqaror
faoliyat ko‘rsatishida strategik ahamiyat kasb etayotgani asoslab beriladi. Tadqiqot natijalari kredit risklarini kamaytirish
bo‘yicha raqamli, analitik va institutsional yondashuvlarning uyg‘unlashuvi bank sektorining umumiy barqarorligini
mustahkamlashini ko‘rsatadi
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