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Tijorat Banklarining Kreditlash Amaliyotida Sun’Iy Intellekt Texnologiyalaridan Foydalanishni Takomillashtirish

Author

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  • Sodir Melibayev

Abstract

takomillashtirishning nazariy-uslubiy va amaliy jihatlari tadqiq etilgan. Jahon iqtisodiyotida raqamlitransformatsiya jarayonlarining jadallashuvi hamda moliya bozorlarida raqobatning kuchayishi bank xizmatlarinimodernizatsiya qilish zaruratini yuzaga keltirmoqda. Shu nuqtai nazardan, sun’iy intellekt texnologiyalari kreditlash tizimisamaradorligini oshirish, kredit risklarini minimallashtirish va mijozlarga xizmat ko‘rsatish sifatini yaxshilashning muhimomili sifatida namoyon bo‘lmoqda.Tadqiqot davomida Jahon banki (World Bank), Xalqaro Valyuta Fondi (IMF), Bank for International Settlements (BIS),OECD hamda McKinsey & Company hisobotlari asosida sun’iy intellekt texnologiyalarining bank tizimidagi iqtisodiysamaradorligi tahlil qilindi. Xususan, mashinali o‘qitish (Machine Learning), chuqur o‘qitish (Deep Learning), prediktivanalitika va tabiiy tilni qayta ishlash (Natural Language Processing) texnologiyalarining kredit skoring tizimlari, firibgarlikoperatsiyalarini aniqlash va kredit risklarini baholashdagi afzalliklari ilmiy jihatdan asoslab berildi.Tahlillar natijasida sun’iy intellekt texnologiyalaridan foydalanish kredit ajratish jarayonini tezlashtirishi, operatsionxarajatlarni 20–30 foizga kamaytirishi, muammoli kreditlar ulushini pasaytirishi hamda qaror qabul qilish aniqliginioshirishi aniqlandi. Shuningdek, AI asosidagi kreditlash tizimlari banklarning moliyaviy barqarorligini mustahkamlashi varaqobatbardoshligini oshirishga xizmat qilishi qayd etildi.Maqolada O‘zbekiston tijorat banklarida sun’iy intellekt texnologiyalarini joriy etish bilan bog‘liq mavjud muammolar,jumladan, raqamli infratuzilmaning yetarli rivojlanmaganligi, malakali mutaxassislar yetishmasligi, ma’lumotlar bazasiningintegratsiyalashmaganligi hamda kiberxavfsizlik risklari tahlil qilindi. Tadqiqot yakunida tijorat banklarining kreditlashamaliyotida sun’iy intellekt texnologiyalaridan foydalanishni takomillashtirish bo‘yicha ilmiy-amaliy tavsiyalar ishlab chiqildi.

Suggested Citation

  • Sodir Melibayev, 2026. "Tijorat Banklarining Kreditlash Amaliyotida Sun’Iy Intellekt Texnologiyalaridan Foydalanishni Takomillashtirish," GREEN ECONOMY AND DEVELOPMENT, "Ma'rifat-Print-Media" LLC, Tashkent State University of Economics, vol. 4(5), May.
    • Handle: RePEc:teu:ged000:v:4:y:2026:i:5:id:10425
    DOI: 10.5281/zenodo.20160755
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