XALQARO MOLIYA BOZORIDA KREDIT RISKINI BAHOLASHNING ZAMONAVIY USULLARI VA RISKLARNI BOSHQARISH TIZIMINING RIVOJLANISH TENDENSIYALARI

Xusniya Ochilova and Umida Yuldasheva

GREEN ECONOMY AND DEVELOPMENT, 2025, vol. 3, issue 12

Abstract: Ushbu maqolada xalqaro moliya bozorida kredit riskini baholashning zamonaviy yondashuvlari, raqamlitexnologiyalar rivojining ta’siri hamda global moliyaviy integratsiya sharoitida risklarni boshqarish tizimi evolyutsiyasi tahlilqilinadi. Tadqiqotda kredit riskini aniqlash, o‘lchash va kamaytirishda qo‘llanilayotgan ilg‘or amaliyotlar – takomillashgankredit skoring modellar, bank tizimidagi stress-testlash jarayonlari, shuningdek, kutilayotgan zarar (Expected Loss –EL) va kutilmagan zarar (Unexpected Loss – UL) metrikalarining ustunliklari yoritiladi. Shuningdek, maqolada sun’iyintellekt, mashinaviy o‘qitish va “Big Data” texnologiyalarining kredit riskini boshqarish samaradorligini oshirishdagiahamiyati ko‘rsatib beriladi. Ushbu texnologiyalar asosida kredit portfellarining xavf darajasini baholash, yuqori xavfli qarzoluvchilarni erta aniqlash hamda qaror qabul qilish jarayonini optimallashtirish imkoniyatlari tahlil qilinadi

Keywords: kredit riski; xalqaro moliya bozori; risklarni boshqarish; kredit skoring; PD; LGD; EAD; Basel III; stress-test; Monte-Karlo simulyatsiyasi; sun’iy intellekt; Big Data; kredit portfeli; moliyaviy barqarorlik; raqamli moliya (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:i:12:id:8303

DOI: 10.5281/zenodo.17983675

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