FINTEX INNOVATSIYALARI ORQALI KREDIT RISKLARINI BOSHQARISHDA KATTA MA’LUMOTLAR VA SUN’IY INTELEKTNING ROLI
Ключевые слова:
kredit riski, katta ma’lumotlar (Big Data), sun’iy intellekt (Artificial intelligence), mashinali o‘qitish, skoring, raqamli transformatsiya, kredit portfeli, algoritm.Аннотация
Ushbu maqolada zamonaviy fintex innovatsiyalari sharoitida kredit risklarini boshqarishda Katta ma’lumotlar (Big Data) va sun’iy intellekt (SI) texnologiyalarining o‘rni tahlil qilinadi. Maqolada raqamli texnologiyalarning kredit skoringi va qaror qabul qilish jarayonlariga ta’siri o‘rganilgan. Maqolada an’anaviy usullardan mashinali o‘qitish modellariga o‘tishning afzalliklari, ma’lumotlar sifati bilan bog‘liq muammolar va risklarni prognozlash samaradorligini oshirish masalalari yoritilgan. Yakunda bank tizimida SI algoritmlarini tatbiq etish orqali kredit portfeli sifatini yaxshilash va operatsion xatarlarni minimallashtirish bo‘yicha amaliy tavsiyalar ishlab chiqilgan.
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