TIJORAT BANKLARIDA JINOIY DAROMADLARNI LEGALLASHTIRISHGA QARSHI KURASHISHDA SUN’IY INTELLEKT TEXNOLOGIYALARIDAN FOYDALANISH
DOI:
https://doi.org/10.5281/zenodo.23141699Abstract
Ushbu maqolada bank operatsiyalarida jinoiy daromadlarni legallashtirish xavfini baholash ko‘rsatkichlarini takomillashtirish masalalari tadqiq etilgan. Tadqiqotda banklarda xavfni aniqlash va baholashda mijoz profili, tranzaksiya xususiyatlari, mablag‘larning kelib chiqish manbasi, kontragentlar, geografik yo‘nalishlar hamda raqamli faoliyat kabi omillarning o‘rni tahlil qilingan. Xavfni kompleks va dinamik baholashga asoslangan yondashuv taklif etilib, xavf indikatorlarini vaznlash va integral xavf ko‘rsatkichini shakllantirish imkoniyatlari yoritilgan. Shuningdek, avtomatlashtirilgan monitoring, ma’lumotlarni tahlil qilish va sun’iy intellekt texnologiyalaridan foydalanish orqali noodatiy operatsiyalarni aniqlash hamda monitoring samaradorligini oshirish yo‘nalishlari asoslangan. Tadqiqot natijasida banklarning komplayens nazoratini takomillashtirish, xavf profilini muntazam yangilash va jinoiy daromadlarni legallashtirish xavfini boshqarish samaradorligini oshirishga qaratilgan amaliy takliflar ishlab chiqilgan.Keywords
jinoiy daromadlarni legallashtirish, bank operatsiyalari, xavfni baholash, AML/CFT, komplayens nazorat, riskka asoslangan yondashuv, tranzaksiya monitoringi, xavf indikatorlari, integral xavf ko‘rsatkichi, sun’iy intellekt, raqamli monitoringReferences
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