Аннотация
Mazkur maqolada tijorat banklarida muammoli kreditlarni boshqarishning zamonaviy yondashuvlari, xalqaro tajriba hamda raqamli texnologiyalardan foydalanish imkoniyatlari tadqiq etilgan. Muammoli kreditlarning banklarning likvidligi, kapital yetarliligi, rentabelligi va moliyaviy barqarorligiga ta’siri tahlil qilingan. Kredit risklarini oldindan aniqlash, mijozlarning kreditga layoqatliligini baholash, kredit portfelini monitoring qilish, restrukturizatsiya, undirish va kredit zararlarini oldindan baholash kabi jarayonlarda sun’iy intellekt, Big Data, mashinaviy o‘qitish, raqamli skoring va avtomatlashtirilgan monitoring tizimlaridan foydalanish istiqbollari yoritilgan. Shuningdek, xalqaro amaliyotda qo‘llanilayotgan IFRS 9 asosidagi kutilayotgan kredit zararlarini baholash modeli hamda O‘zbekiston bank tizimida muammoli aktivlarni boshqarish mexanizmlarini takomillashtirish yo‘nalishlari ko‘rib chiqilgan.
Библиографические ссылки
International Monetary Fund. IFRS 9 Implementation from the Perspective of Banking Supervisors. Technical Notes and Manuals No. 2026/004, 2026.
International Monetary Fund. Republic of Uzbekistan: Financial Sector Assessment Program – Detailed Assessment of Observance of Basel Core Principles for Effective Banking Supervision. 2025.
International Monetary Fund. Republic of Uzbekistan: 2025 Article IV Consultation – Press Release and Staff Report. 2025.
Central Bank of the Republic of Uzbekistan. Financial Stability Report for 2025. 2026.
International Monetary Fund. Tech in Fin before FinTech: Blessing or Curse for Financial Stability? 2020.
International Monetary Fund. Republic of Kazakhstan: Financial Sector Assessment Program – Detailed Assessment of Observance of Basel Core Principles. 2024.