Ushbu ilmiy maqolada rivojlangan mamlakatlar bank amaliyotida kredit portfelini monitoring qilishning optimal mexanizmlariatroflicha tahlil qilingan. Tadqiqotda kredit riskining bir necha turlari — individual (avtonom) risk, portfel riski, konsentratsiyariski, mamlakat va suveren riski, kontragent kredit riski, model riski, likvidlikni transformatsiyalash riski hamda reputatsion risk— tasniflangan va ularning monitoring uslublari ko‘rib chiqilgan. Maqolada zamonaviy monitoring tizimining uch qatlamli raqamliarxitekturasi — ma’lumotlar yig‘ish, signallarni shakllantirish va prioritetlash, boshqaruv va harakat — atroflicha o‘rganilgan. Bundantashqari, sun’iy intellektga asoslangan kuzatuv (AI-assisted surveillance), Watchlist boshqaruvi, kovenant buzilishi ish jarayonlari,garov mulkini geofazoviy tahlil qilish (geospatial analytics), kunlik tezkor xabar berish (intraday alerting), Open Banking API integratsiyasiva ESG omillarini hisobga olish kabi yangi vositalar atroflicha tahlil qilingan. AQSH va Yevropa Ittifoqi tajribasining qiyosiytahlili shuni ko‘rsatadiki, AQSH modeli tez eskalatsiya va rezident-inspektor amaliyotiga, YeI modeli esa BCBS 239, IFRS 9, DORAva AI Act talablariga muvofiq institutsional ma’lumotlar intizomiga asoslanadi. Tadqiqotda “yong‘in sotuvlari” (fire sales) sharoitidagarov qiymati boshlang‘ich baholashga nisbatan 30–50% gacha pasayishi mumkinligi aniqlangan
| Mualliflar | Ismatov , Nodirjon |
|---|---|
| Jurnal | Муҳандислик ва Иқтисодиёт |
| Nashr sanasi | 2025-12-01 |
| Jild | 3 |
| Son | 12 |
| Til | O‘zbek |
kredit portfeli monitoringi, BCBS 239, IFRS 9, kutilayotgan kredit zarari (ECL), PD, LGD, EAD, sun’iy intellekt (AI), Watchlist, kovenant nazorati, geospatial analytics, ESG, DORA, AI Act, eskalatsiya, fire sales, model riski
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