Kalit so‘zlar
кредит тарихи
кредитга лаёқатлилик
чакана кредит
қарз юки
кредит риски
кредит бюро
кредит портфели
скоринг модели
сунъий интеллект
Qanday qilib iqtibos keltirish mumkin
Abstrak
Мақолада жисмоний шахсларни кредитга лаёқатлилигини баҳолаш ва скоринг тизимининг аҳамияти ёритилган. Тижорат банклари томонидан жисмоний шахсларни кредитлаш амалиётларининг кенгайиб бориши, ушбу жараён билан боғлиқ рискларни минималлаштириш ва муаммоли кредитларнинг юзага келишини олдини олиш учун мижознинг кредитга лаёқатлилигини такомиллаштиришни талаб этади. Хусусан, ҳозирги замонда онлайн кредит хизматларининг тақдим этилиши, жараённи автоматлаштириш ва барча омилларни ҳисобга олган ҳолда кредитга лаёқатлиликни баҳолашни талаб этмоқда.
Bibliografik manbalar
Абдуллаев Н.А.( 2021) Кредит скоринги: моҳият, қўллаш механизмлари, муаммолар / Иқтисод ва молия / Экономика и финансы, 2021 йил, 3(139)
Абдуллаева Ш.З. (2017) “Кредитлашда скорингни қўллаш амалиёти” “Халқаро молия ва ҳисоб” илмий электрон журнали. 2017 йил, №1, феврал.
Тошпўлатов Д.А. (2021) Банкларда кредит рискларни скоринг рейтинг тизими орқали баҳолаш / Иқтисодиёт ва таълим / 2021 йил, 5-сон.
Ahmet Burak Emel, Muhittin Oral, Arnold Reisman, Reha Yolalan (2003) A credit scoring approach for the commercial banking sector / https://doi.org/10.1016/S0038-0121(02)00044-7
Barefoot, Ann, and Christine Walika. (1996) Credit Scoring at a Crossroads: Privacy, Access, and Fairness Concerns Can Be Successfully Addressed. ABA Banking Journal 88: 26.
Blöchlinge, Andreas, and Markus Leippold. 2006. Economic benefit of powerful credit scoring. Journal of Banking & Finance 30: 851–73.
Caplinsk, Alina, and Manuela Tvaronaviciene (2020) Creditworthiness Place in Credit Theory and Methods. Enterpreneurship and Sustainability Issues 7: 2542–555.
Fensterstock, Albert (2005) Credit scoring and the next step. Business Credit 107: 46–49.
Fu, Guanghong, Minjuan Sun, and Qing Xu. (2020) An Alternative Credit Scoring System in China’s Consumer Lending Market:A System Based on Digital Footprint Data. Available online: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3638710 (accessed on 25 June 2021).
Giannopoulos, Vasileios. (2018) The Effectiveness of Artificial Credit Scoring Models in Predicting NPLs using Micro Accounting Data. Journal of Accounting & Marketing 7: 303.
Kerage, Peter, and Ambrose Jagongo. (2014) Credit Information Sharing and Performance of Commercial Banks in Kenya. Global Journal of Commerce & Management Perspective 3: 18–23.
Koh, Hian C.,Wei Chin Tan, and Chwee Peng Goh. (2006) A Two-step Method to Construct Credit Scoring Models with Data Mining Techniques. The International Journal of Business and Information 1: 96–118.
Ponicki, Chuck. (1996) Case Study: Improving the Efficiency of Small-Business Lending at First National Bank of Chicago. Commercial Lending Review 51: 51–60.
Xiao-Lin Li, Yu Zhong (2012) An Overview of Personal Credit Scoring: Techniques and Future Work / International Journal of Intelligence Science Vol.2 No.4A(2012), Article ID:24193,9 pages DOI:10.4236/ijis.2012.224024
Wu Y, Xie Z, Ji S, Liu Z, Zhang X, Lin C, Deng S, Zhou J, Wang T and Beyah R (2023). Fraud-Agents Detection in Online Microfinance: A Large-Scale Empirical Study, IEEE Transactions on Dependable and Secure Computing, 20:2, (1169-1185), Online publication date: 1-Mar-2023.
“Кредит ахборот таҳлилий маркази” (КАТМ) кредит бюроси интернет саҳифаси маълумотлари – https://infokredit.uz/uz/about/scoring
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Copyright (c) 2023 Iqtisodiyot va taʼlim