TIJORAT BANKLARIDA KREDIT RISKNI BOSHQARISHNING XORIJIY AMALIYOTI
DOI:
https://doi.org/10.5281/zenodo.20256465Ключевые слова:
kredit riski, tijorat banklari, Basel III, credit scoring, risk monitoring, muammoli kreditlar, sun’iy intellekt, Big Data.Аннотация
Mazkur maqolada tijorat banklarida kredit riskini boshqarishning xorijiy amaliyoti va uning zamonaviy
mexanizmlari o‘rganilgan. Tadqiqot davomida AQSH, Yevropa Ittifoqi davlatlari, Yaponiya va Janubiy Koreya bank
tizimlarida qo‘llanilayotgan kredit riskini boshqarish usullari tahlil qilindi. Kredit skoring tizimlari, Basel III standartlari,
sun’iy intellekt va Big Data asosidagi risk monitoring mexanizmlarining samaradorligi baholandi. Natijalar shuni ko‘rsatdiki,
raqamli risk boshqaruvi tizimlari kredit portfeli sifatini yaxshilash va muammoli kreditlar ulushini kamaytirishda muhim
ahamiyatga ega. Tadqiqot asosida O‘zbekiston tijorat banklarida kredit riskini boshqarish tizimini takomillashtirish bo‘yicha
amaliy tavsiyalar ishlab chiqildi
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