THE ROLE OF ARTIFICIAL INTELLIGENCE IN IMPROVING LOAN CLASSIFICATION AND CREDIT RISK ASSESSMENT
Keywords:
sun’iy intellekt, kredit riski, kredit tasnifi, mashinaviy o‘qitish, kredit skoringi, muammoli kreditlar,Abstract
Ushbu tezis kreditlarni tasniflash va kredit riskini baholash jarayonlarida sun’iy intellekt texnologiyalarining rolini tahlil qiladi. Tadqiqotda mashinaviy o‘qitish, ansambl modellari, neyron tarmoqlar va izohlanadigan sun’iy intellekt yondashuvlarining qarz oluvchining to‘lovga layoqatini baholash, muammoli kreditlarni erta aniqlash hamda kredit portfelini segmentlashdagi imkoniyatlari ko‘rib chiqiladi. Taklif etilgan konseptual model an’anaviy moliyaviy ko‘rsatkichlarni tranzaksion va xulq-atvor ma’lumotlari bilan birlashtiradi.
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References
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