BANK TIZIMIDA KREDIT RISKLARINI KAMAYTIRISHNING ZAMONAVIY USULLARI VA ULARNING SAMARADORLIGI

Olimjon Abdusalamov

GREEN ECONOMY AND DEVELOPMENT, 2025, vol. 3

Abstract: 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 baholashva Basel standartlariga asoslangan risk boshqaruvi kabi mexanizmlarning samaradorligi ko‘rib chiqiladi. Raqamli moliyainfratuzilmasining kengayishi kreditga layoqatni baholash jarayonini takomillashtirayotgani hamda banklarning barqarorfaoliyat ko‘rsatishida strategik ahamiyat kasb etayotgani asoslab beriladi. Tadqiqot natijalari kredit risklarini kamaytirishbo‘yicha raqamli, analitik va institutsional yondashuvlarning uyg‘unlashuvi bank sektorining umumiy barqarorliginimustahkamlashini ko‘rsatadi

Keywords: kredit riski; scoring-modellar; sun’iy intellekt; real vaqt monitoringi; garov likvidligi; Basel standartlari; raqamli moliya; bank barqarorligi; diversifikatsiya (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:teu:ged000:v:3:y:2025:id:8034

DOI: 10.5281/zenodo.17744718

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