SUN’IY INTELLEKT ASOSIDAGI KREDIT SKORING TIZIMLARINING ADOLATLILIGI VA SHAFFOFLIGI: BANK-HUQUQIY TAHLIL (O‘ZBEKISTON BANK TIZIMI MISOLIDA)
DOI:
https://doi.org/10.65164/1jzc3n32Kalit so‘zlar:
Bank tizimi, kreditlash, kredit riski, kredit skoring, sun’iy intellekt, shaffoflik, adolatlilik, bank huquqi.Abstrak
Mazkur maqolada bank kreditlash amaliyotida sun’iy intellekt asosidagi kredit
skoring tizimlaridan foydalanish jarayoni bank-huquqiy nuqtayi nazardan tahlil qilinadi. Tadqiqotda
kredit riskini avtomatlashtirilgan tarzda baholashning bank faoliyatiga ta’siri, shuningdek, kredit
qarorlarini qabul qilishda shaffoflik va adolatlilik tamoyillarining ta’minlanish darajasi o‘rganiladi.
Tadqiqot natijalari sun’iy intellekt asosidagi kredit skoring tizimlari banklar uchun samaradorlikni
oshirish imkonini bersa-da, ularni qo‘llash jarayonida mijozlar huquqlarini himoya qilishga doir
muayyan huquqiy muammolar mavjudligini ko‘rsatdi. Maqolada O‘zbekiston bank tizimi misolida
kredit skoring tizimlarining amaldagi normativ-huquqiy asoslari tahlil qilinib, ushbu sohani
takomillashtirish zarurligi ilmiy jihatdan asoslab berildi.
Havolalar
1. O‘zbekiston Respublikasi “Banklar va bank faoliyati to‘g‘risida”gi Qonuni.
170 OECD. Artificial Intelligence in the Financial Sector. 2022.https://www.oecd.org/finance/artificial-intelligence-in
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doir
ma’lumotlar
2. O‘zbekiston
3. O‘zbekiston Respublikasi Markaziy bankining bank kreditlash va risklarni boshqarish bo‘yicha
normativ hujjatlari. https://cbu.uz/oz/legislation/
4. Thomas L.C., Edelman D.B., Crook J.N. Credit Scoring and Its Applications. SIAM.
https://epubs.siam.org/doi/book/10.1137/1.9780898718317
5. European Commission. Ethics Guidelines for Trustworthy Artificial Intelligence. https://digital
strategy.ec.europa.eu/en/library/ethics-guidelines-trustworthy-ai
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https://www.oecd.org/finance/artificial-intelligence-in-finance.htm
7. BIS. Sound Practices: implications of fintech developments for banks and bank supervisors.
