JISMONIY SHAXSLARNI KREDITLASH AMALIYOTINI TAKOMILLASHTIRISH: RAQAMLI SKORING, KREDIT RISKLARINI BOSHQARISH VA MAS’ULIYATLI KREDITLASHNING INNOVATSION MEXANIZMLARI
Published
14.11.2026
Journal
Ensuring Macroeconomic Stability and National Sustainable Development in the Context of the Green Economy: Problems and Solutions
Issue
Ensuring Macroeconomic Stability and National Sustainable Development in the Context of the Green Economy: Problems and Solutions
Pages
203-219
Authors
Abstract
Mazkur maqolada jismoniy shaxslarni kreditlash amaliyotini takomillashtirishning nazariy, metodologik va amaliy jihatlari kompleks tadqiq etiladi. Zamonaviy bank tizimida chakana kreditlash hajmining kengayishi, raqamli moliyaviy xizmatlarning rivojlanishi, kredit axborotlari tarkibining o‘zgarishi hamda uy xo‘jaliklari qarzdorlik darajasining ortishi banklar oldiga kreditlash mexanizmlarini sifat jihatidan yangilash vazifasini qo‘ymoqda. Tadqiqotda an’anaviy kredit skoringi tizimining cheklovlari, sun’iy intellekt va mashinaviy o‘rganish algoritmlarining kreditga layoqatlilikni aniqlashdagi imkoniyatlari, muqobil ma’lumotlardan foydalanish, qarz oluvchining real to‘lov qobiliyatini baholash, kredit risklarini oldindan prognozlash va mas’uliyatli kreditlash mexanizmlari o‘rganiladi.
O‘zbekiston bank tizimining 2025–2026-yillardagi rivojlanish tendensiyalari, Markaziy bankning makroprudensial siyosati va xalqaro moliya institutlarining tavsiyalari asosida jismoniy shaxslarni kreditlashni takomillashtirishning integratsiyalashgan konseptual modeli taklif etiladi. Shuningdek, kreditlash samaradorligini baholash uchun ekonometrik tadqiqot metodologiyasi ishlab chiqiladi.
Keywords
jismoniy shaxslarni kreditlash
chakana kreditlash
kredit skoringi
sun’iy intellekt
mashinaviy o‘rganish
Big Data
kredit riski
qarzdorlik yuki
DSTI
DTI
moliyaviy inklyuziya
mas’uliyatli kreditlash
raqamli bank
ekonometrik modellashtirish
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