O‘ZBEKISTONDA KICHIK BIZNES SUBYEKTLARINI MOLIYALASHTIRISHDA RAQAMLI KREDITLASH VA MUQOBIL SKORING MEXANIZMLARINI RIVOJLANTIRISH
DOI:
https://doi.org/10.5281/zenodo.20965086Ключевые слова:
kichik biznes, raqamli kreditlash, muqobil skoring, fintech, moliyaviy inklyuziya, garovsiz kredit, sun’iy intellekt, kredit riski.Аннотация
Maqolada O‘zbekistonda kichik biznes subyektlarini moliyalashtirishda raqamli kreditlash va muqobil skoring
mexanizmlarini rivojlantirish masalalari tahlil qilingan. Tadqiqot jarayonida garov ta’minotining yetishmasligi, kredit
tarixining shakllanmaganligi hamda kreditlash jarayonidagi institutsional to‘siqlar asosiy muammolar sifatida baholangan.
Raqamli platformalar, sun’iy intellekt asosidagi risklarni baholash va bank-fintech hamkorligining moliyaviy inklyuziyani
oshirishdagi ahamiyati asoslangan hamda garovsiz kreditlash imkoniyatlarini kengaytirish bo‘yicha ilmiy-amaliy takliflar
ishlab chiqilgan.
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