TIJORAT BANKLARIDA MIJOZLARNING KREDIT QOBILIYATINI BAHOLASH UCHUN SKORING MODELIDA SUN’IY INTELLEKTNI JORIY ETISHNING AHAMIYATI

Komiljon Karimov

GREEN ECONOMY AND DEVELOPMENT, 2026, vol. 4, issue 5

Abstract: Tijorat banklarida skoring modellariga sun’iy intellekt (SI) va mashinali o‘qitish (ML)ni joriy etish tahlil qilingan.Tadqiqot SI asosidagi skoringning nazariy asoslarini, asosiy model arxitekturalarini — gradiyentni kuchaytirish, chuquro‘rganish, tushuntirilishi mumkin bo‘lgan SI — hamda interpretatsiya, algoritmik noxolislik va me’yoriy muvofiqlik kabimuhim muammolarni o‘rganadi. Oltita qiyosiy tadqiqotdan olingan empirik dalillar SI modellarining logistik regressiyadanAUC bo‘yicha 9–13 foiz bandga ustunligini tasdiqlaydi. Interpretatsiya qilish qobiliyati va samaradorlik o‘rtasidagimuvozanat markaziy ziddiyat sifatida belgilanib, tabiatan tushuntirilishi mumkin bo‘lgan modellar me’yoriy talablar bilanmuvofiqlikni ta’minlashning maqbul yo‘li ekanligi ko‘rsatilgan. Mas’uliyatli SI baholashini joriy etish bo‘yicha amaliytavsiyalar ishlab chiqilgan.

Keywords: sun’iy intellekt; kredit baholash; mashinali o‘qitish; kreditga layoqatlilik; tijorat banklari; tushuntirib bo‘ladigan sun’iy intellekt; gradiyentni kuchaytirish; model xavfi; algoritmik adolat; Bazel III. (search for similar items in EconPapers)
Date: 2026
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Persistent link: https://EconPapers.repec.org/RePEc:teu:ged000:v:4:y:2026:i:5:id:10695

DOI: 10.5281/zenodo.20445988

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