SUN’IY INTELLEKT VA PREDIKTIV ANALITIKA ASOSIDA KORXONALARDA KREDITGA LAYOQATLILIKNI BAHOLASHNING RAQAMLI MODELI
Аннотация
Raqamli texnologiyalar va sun’iy intellekt asosidagi kredit skoring tizimlari korxonalarda risklarni aniqlash va boshqarishni yangi bosqichga olib chiqadi. An’anaviy modellar cheklovli va kechikkan bo‘lsa, AI va big data tahlili real vaqtda ma’lumotlarni tahlil qilib, aniq va tez qarorlar qabul qilinishini ta’minlaydi. Ushbu maqolada kreditga layoqatlilikni baholash, risklarni prognozlash va portfelni optimallashtirish bo‘yicha AI usullari, ularning afzalliklari va cheklovlari tahlil qilinadi. Natijalar kredit siyosatini takomillashtirish va moliyaviy barqarorlikni oshirish bo‘yicha takliflar beradi.Библиографические ссылки
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