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Rivojlanayotgan Davlatlarda Kredit Portfeli Riskini Boshqarishda Raqamli Bank Xizmatlarining Roli

Author

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  • Nodirjon Ismatov

Abstract

Ushbu ilmiy maqolada rivojlanayotgan davlatlarda kredit portfeli riskini boshqarishdaraqamli bank xizmatlarining roli atroflicha tahlil qilingan. Tadqiqotda rivojlanayotgan mamlakatlarning raqamlimoliya infratuzilmasi rivojlangan mamlakatlarning an’anaviy bank tizimidagi bosqichlarni aylanib o‘tib,“super-app” (hamma xizmatlar bitta ilovada), mobil hamyonlar, ochiq banking (open banking) platformalariva sun’iy intellektga asoslangan kredit baholash modellariga to‘g‘ridan-to‘g‘ri sakrash orqali (leapfrogging)rivojlanayotgani isbotlangan. Maqolada Xitoyning WeChat Pay va Alipay tizimlari, Janubi-Sharqiy OsiyodagiGrab va Gojek super-ilovalari, MDH mintaqasidagi Kaspi va Tinkoff bank-ekotizimlari kabi yetakchi misollarbatafsil o‘rganilgan. Raqamli kreditlashning afzalliklari — operatsion xarajatlarni qisqartirish, “credit invisible”mijozlarga muqobil ma’lumotlar asosida kredit berish, e-KYC va biometrik identifikatsiya, real vaqt rejimidatranzaksiya monitoringi — bilan bir qatorda, uning yangi riskli oqibatlari ham tahlil qilingan: qarz spirali (debtspiral), model drift, “qora quti” algoritmlari (black-box), AIga asoslangan firibgarlik, kiberhujumlar va ma’lumotlarmaxfiyligi risklari. Tadqiqot natijalariga ko‘ra, raqamli kanallar orqali kredit riski namoyon bo‘lish vaqti oylardankunlargacha qisqaradi, bu esa regulyator va banklardan SupTech va RegTech texnologiyalariga asoslangandeyarli real vaqtda monitoring tizimlarini joriy etishni talab qiladi. Maqolada O‘zbekiston uchun raqamli kreditorlaruchun kredit byurosiga majburiy hisobot, qarz yukini ko‘rsatuvchi yagona indikatorlar, antifraud registrlari vaRegulatory Sandbox mexanizmlarini joriy etish bo‘yicha aniq amaliy tavsiyalar berilgan

Suggested Citation

  • Nodirjon Ismatov, 2025. "Rivojlanayotgan Davlatlarda Kredit Portfeli Riskini Boshqarishda Raqamli Bank Xizmatlarining Roli," GREEN ECONOMY AND DEVELOPMENT, "Ma'rifat-Print-Media" LLC, Tashkent State University of Economics, vol. 3(11), November.
    • Handle: RePEc:teu:ged000:v:3:y:2025:i:11:id:11353
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