JISMONIY SHAXSLARNI KREDITLASH AMALIYOTINI TAKOMILLASHTIRISH: RAQAMLI SKORING, KREDIT RISKLARINI BOSHQARISH VA MAS’ULIYATLI KREDITLASHNING INNOVATSION MEXANIZMLARI
Nashr sanasi
14.11.2026
Jurnal
Yashil iqtisodiyot sharoitida makroiqtisodiy barqarorlikni taʼminlash va milliy barqaror rivojlanish: muammo va yechimlar
Nashr
Yashil iqtisodiyot sharoitida makroiqtisodiy barqarorlikni taʼminlash va milliy barqaror rivojlanish: muammo va yechimlar
Sahifalar
203-219
Mualliflar
Annotatsiya
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.
Kalit so‘zlar
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
Foydalanilgan adabiyotlar
1. Stiglitz, J. E., & Weiss, A. (1981). Credit Rationing in Markets with Imperfect Information. The American Economic Review, 71(3), 393–410.
2. Merton, R. C. (1974). On the Pricing of Corporate Debt: The Risk Structure of Interest Rates. The Journal of Finance, 29(2), 449–470.
3. Basel Committee on Banking Supervision. (2024). Core Principles for Effective Banking Supervision. Bank for International Settlements.
4. Bank for International Settlements. (2024). Artificial Intelligence and the Economy: Implications for Central Banks. BIS Annual Economic Report.
5. Tigges, M., Mestwerdt, S., Tschirner, S., & Mauer, R. (2024). Who gets the money? A qualitative analysis of fintech lending and credit scoring through the adoption of AI and alternative data. Technological Forecasting and Social Change, 205, 123491.
6. Consultative Group to Assist the Poor. (2025). Responsible Digital Credit: Frontier Solutions for Authorities and Providers. CGAP.
7. World Bank. Digital Finance Inclusion: Digital Credit.
8. World Bank. Credit Reporting.
9. International Monetary Fund. (2026). Republic of Uzbekistan: 2026 Article IV Consultation—Press Release and Staff Report. IMF Country Report No. 2026/152.
10. Central Bank of the Republic of Uzbekistan. (2026). Financial Stability Report for 2025.
11. Central Bank of the Republic of Uzbekistan. Debt-service-to-income.
12. Central Bank of the Republic of Uzbekistan. Debt-to-income.
13. International Monetary Fund. Financial Soundness Indicators Compilation Guide. IMF.
14. World Bank. Global Financial Development Database.