RAQAMLI TEXNOLOGIYALAR ASOSIDA TIJORAT BANKLARINING XALQARO KREDIT RESURSLARIGA KIRISH IMKONIYATLARINI KENGAYTIRISH
Keywords:
raqamli texnologiyalar, tijorat banklari, xalqaro kredit resurslari, axborot assimetriyasi, kiberxavfsizlik, risk ma’lumotlarini yig‘ish, sun’iy intellekt.Abstract
Maqolada raqamli texnologiyalarning tijorat banklari uchun xalqaro kredit resurslariga kirish imkoniyatlarini kengaytirishdagi o‘rni kontseptual jihatdan tahlil qilingan. Tadqiqot Bazel qo‘mitasi, Moliyaviy barqarorlik kengashi, Xalqaro valyuta fondi va Jahon banki hujjatlari hamda O‘zbekiston qonunchiligini qiyosiy o‘rganishga asoslangan. Kreditorlarning axborot talablari, raqamli vosita, asosiy xavf va nazorat chorasini bog‘lovchi matritsa ishlab chiqilgan. Moliya sektori bahosiga ko‘ra, mamlakatda to‘lov infratuzilmasi va mijozni elektron identifikatsiya qilish tizimlari mavjud, biroq nazorat hisobotlaridagi ma’lumotlar sifati yaxshilanishi lozim. Maqolada kreditorlarga mo‘ljallangan raqamli ma’lumot platformasining tarkibi, uch bosqichli joriy etish yo‘l xaritasi va natijalarni o‘lchash ko‘rsatkichlari taklif etilgan. Raqamli vositalar axborot assimetriyasini kamaytirishi mumkin, ammo kirish imkoniyati kapital yetarliligi va aktivlar sifati bilan belgilanishi qayd etilgan.
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