TIJORAT BANKLARIDA KREDITLASH JARAYONINI RAQAMLASHTIRISHNING SAMARADORLIKKA TA’SIRI (“HAMKORBANK” ATB MISOLIDA)
Article Sidebar
Main Article Content
Аннотация:
Mazkur maqolada tijorat banklarida kreditlash jarayonini raqamlashtirishning samaradorlikka ta’siri “Hamkorbank” ATB misolida tahlil qilinadi. Raqamli texnologiyalar bank xizmatlari sifatini oshirish, kredit risklarini kamaytirish va mijozlarga qulaylik yaratishdagi asosiy omil sifatida ko‘rib chiqiladi. Tadqiqotda kreditlash jarayonida elektron hujjat aylanishi, onlayn ariza topshirish tizimi, scoring-modellar va sun’iy intellektdan foydalanish amaliyoti o‘rganilib, ularning samaradorlikka ta’siri iqtisodiy ko‘rsatkichlar orqali yoritiladi. Natijalar shuni ko‘rsatadiki, raqamlashtirish jarayoni “Hamkorbank” ATBda kredit portfelining sifatini yaxshilash, operatsion xarajatlarni qisqartirish hamda moliyaviy inklyuziyani oshirishda muhim ahamiyat kasb etmoqda.
Article Details
Как цитировать:
Библиографические ссылки:
Berg, T., Burg, V., Gombović, A. va Puri, M. (2020) On the rise of FinTechs: Credit scoring using non-traditional data. Journal of Banking & Finance, 121, 105963.
Jagtiani, J. va Lemieux, C. (2019) The roles of alternative data and machine learning in fintech lending. Federal Reserve Bank of Philadelphia Working Paper, 19-15.
Philippon, T. (2019) The FinTech opportunity. The Review of Financial Studies, 32(5), 2211–2267.
Frost, J. (2020) The economic forces driving fintech adoption. BIS Working Papers, No. 838.
Gambacorta, L., Huang, Y., Qiu, H. va Shin, H.S. (2020) BigTech credit: lending without banks. BIS Bulletin, No. 9.
World Bank. (2022) The Global Findex Database 2021: Financial inclusion, digital payments, and resilience in the age of COVID-19. Washington, DC: World Bank.
Financial Stability Board (FSB). (2023) Artificial intelligence and machine learning in financial services: Market developments and financial stability implications. Basel: FSB.
European Bank for Reconstruction and Development (EBRD). (2021) Uzbekistan Banking Sector Diagnostic. London: EBRD.
O‘zbekiston Respublikasi Markaziy banki. (2023) Bank tizimining rivojlanishi bo‘yicha yillik hisobot 2023. Toshkent: O‘RMB.
“Hamkorbank” ATB. (2023) Annual Report 2023. Tashkent: Hamkorbank.
Ruziev, K. (2021) Uzbekistan’s development experiment: An assessment of economic reforms. Post-Communist Economies, 33(7), 846–872.