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Kredit Skoring Tizimlarida Sun’Iy Intellekt Va Mashinaviy O‘Qitish Texnologiyalarini Qo‘Llashning Zamonaviy Yondashuvlari

Author

Listed:
  • Feruza Nabiyeva

Abstract

Bank tizimida kredit skoring jarayonlarini sun’iy intellekt va mashinaviy o‘qitish texnologiyalari asosidatakomillashtirishning zamonaviy yondashuvlari tadqiq etilgan. Kredit skoring modellarining an’anaviy statistik usullardanmashinaviy va chuqur o‘qitish modellariga evolyutsiyasi, ularning qarz oluvchilar defoltini prognozlash imkoniyatlari hamdavaqt davomida prognozlar barqarorligini ta’minlash masalalari yoritilgan. Shuningdek, kredit skoring samaradorliginioshirishda Particle Swarm Optimization (PSO) algoritmi asosida xususiyatlarni tanlash va modellarni optimallashtirishimkoniyatlari tahlil qilingan. Tadqiqot natijalari sun’iy intellekt texnologiyalaridan foydalanish kredit skoring modellariningprognozlash aniqligi, barqarorligi va shaffofligini oshirish, shuningdek, banklarda kredit riskini baholash jarayonlarinitakomillashtirish uchun muhim imkoniyatlar yaratishini ko‘rsatadi

Suggested Citation

  • Feruza Nabiyeva, 2026. "Kredit Skoring Tizimlarida Sun’Iy Intellekt Va Mashinaviy O‘Qitish Texnologiyalarini Qo‘Llashning Zamonaviy Yondashuvlari," GREEN ECONOMY AND DEVELOPMENT, "Ma'rifat-Print-Media" LLC, Tashkent State University of Economics, vol. 4, pages 698-701, February.
    • Handle: RePEc:teu:ged000:v:4:y:2026:id:12275
    DOI: 10.5281/zenodo.22689373
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