Tijorat banklarida kredit portfeli risklarini boshqarishdagi muammolar va innovatsion yondashuvlar

Muhаbbаtxоn Jurаyevа

GREEN ECONOMY AND DEVELOPMENT, 2024, vol. 2, issue 10

Abstract: Ushbu maqolada tijorat banklarida kredit portfeli risklarini boshqarish masalasiko‘rib chiqiladi. Banklarning kredit risklarini tahlil qilish va boshqarish jarayonida fintechtexnologiyalari, portfelni diversifikatsiya qilish, va kredit to‘lov qobiliyatini baholash usullario‘rganiladi. Tahlillar fintech texnologiyalarining banklardagi risklarni kamaytirishda sezilarlidarajada samarali ekanligini ko‘rsatadi. Sun'iy intellekt va katta ma’lumotlar texnologiyalarikredit risklarini real vaqt rejimida kuzatish va baholash imkonini beradi, bu esa banklar uchunrisklarni boshqarishda yangi imkoniyatlarni ochib beradi. Tadqiqot natijalariga ko‘ra, kreditrisklarini boshqarishning zamonaviy yondashuvlari banklar moliyaviy barqarorligini saqlabqolishda muhim rol o‘ynaydi.

Keywords: kredit portfeli; risk boshqaruvi; tijorat banklari; moliyaviy barqarorlik; innovatsiyalar. (search for similar items in EconPapers)
Date: 2024
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