Oʻzbekiston bank amaliyotiga ai va simulyatsiya modellarini joriy etish orqali muammoli kreditlarni qaytarish jarayonlarini optimallashtirish
DOI:
https://doi.org/10.5281/zenodo.16522452Keywords:
muammoli qarzlar, qaytarish jarayoni, sun’iy intellekt, simulyatsiya modeli, bank xavfi, O‘zbekiston, kredit xavfi, optimallashtirishAbstract
Ushbu maqolada O‘zbekiston bank tizimida muammoli kredit qarzlarini qaytarish samaradorligini oshirish
uchun sun’iy intellekt texnologiyalari va simulyatsiya modellari asosida optimallashtirish yondashuvlari tahlil qilinadi.
Rasmiy statistika va NPL ko‘rsatkichlari asosida muammoli qarzlar bilan ishlashda sun’iy intellektga asoslangan,
ma’lumotlar bilan boshqariladigan yondashuvlarning zarurligi asoslab berilgan. Amaldagi tizimni raqamlashtirish, kredit
xavfini monitoring qilish va xarajatlarni kamaytirish bo‘yicha amaliy tavsiyalar ishlab chiqilgan
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