KREDIT SKORING TIZIMLARIDA SUN’IY INTELLEKT VA MASHINAVIY O‘QITISH TEXNOLOGIYALARINI QO‘LLASHNING ZAMONAVIY YONDASHUVLARI
DOI:
https://doi.org/10.5281/zenodo.22689373Abstract
Bank tizimida kredit skoring jarayonlarini sun’iy intellekt va mashinaviy o‘qitish texnologiyalari asosida
takomillashtirishning zamonaviy yondashuvlari tadqiq etilgan. Kredit skoring modellarining an’anaviy statistik usullardan
mashinaviy va chuqur o‘qitish modellariga evolyutsiyasi, ularning qarz oluvchilar defoltini prognozlash imkoniyatlari hamda
vaqt davomida prognozlar barqarorligini ta’minlash masalalari yoritilgan. Shuningdek, kredit skoring samaradorligini
oshirishda Particle Swarm Optimization (PSO) algoritmi asosida xususiyatlarni tanlash va modellarni optimallashtirish
imkoniyatlari tahlil qilingan. Tadqiqot natijalari sun’iy intellekt texnologiyalaridan foydalanish kredit skoring modellarining
prognozlash aniqligi, barqarorligi va shaffofligini oshirish, shuningdek, banklarda kredit riskini baholash jarayonlarini
takomillashtirish uchun muhim imkoniyatlar yaratishini ko‘rsatadi
Keywords
kredit skoring, sun’iy intellekt, mashinaviy o‘qitish, kredit riski, defolt ehtimoli, Particle Swarm Optimization (PSO), prognozlash aniqligi, model barqarorligi.References
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