Том 11 № 4 (2025): MOLIYA VA BANKISHI
Nashr maqolalari

Tijorat banklarida sun'iy intellektni joriy etishdagi tizimli to'siqlar uchun ikki tomonlama asosli model

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  • Nozima Makhmudova

Nashr qilingan 2025-12-19

Kalit so'zlar

  • sun'iy intellekt (SI), Tijorat banklari, Qabul qilish to'siqlari, Normativ-huquqiy baza, Bank faoliyatini tartibga solish, Korporativ boshqaruv, Ichki nazorat, Operatsion risklarni boshqarish.

Iqtibos

Makhmudova, N. (2025). Tijorat banklarida sun’iy intellektni joriy etishdagi tizimli to’siqlar uchun ikki tomonlama asosli model. MOLIYA VA BANK ISHI, 11(4), 7–18. Retrieved from https://journal.bfa.uz/index.php/bfaj/article/view/369

Аннотация

Tijorat banklarida sun'iy intellektni integratsiyalash bo'yicha mavjud
adabiyotlarda qabul qilish to'siqlari bir-biridan uzilgan ro'yxat sifatida
taqdim etiladi. Ushbu kontseptual maqolada qabul qilish to'siqlari
ro'yxatini bankning tashqi tartibga solish va ichki institutsional o'lchovlari
kontekstida qayta ko'rib chiqadigan yangi ikki tomonlama model taklif
etiladi. Integrativ ko'rib chiqish metodologiyasidan foydalangan holda
ishlab chiqilgan ushbu model sun'iy intellektni qabul qilish to'siqlari
shunchaki izolyatsiya qilingan va mustaqil o'zgaruvchilar emas, balki
tijorat banklarining institutsional va tartibga solish muhitiga xos bo'lgan
chuqurroq boshqaruv va tartibga solishga asoslangan cheklovlarning
namoyon bo'lishi ekanligini ko'rsatishga qaratilgan. Taklif etilayotgan
model amaliyotchilar va siyosatchilarga qabul qilish to'siqlarining asosiy
sababiga, ya'ni institutning xavf va muvofiqlikni boshqarish uchun qanday
tuzilganligiga e'tibor qaratish orqali xavfsiz sun'iy intellektni
integratsiyalash bo'yicha maqsadli strategiyalarni ishlab chiqishga
yordam beradi.

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