TIJORAT BANKLARIDA CHAKANA KREDITLASH AMALIYOTINI FICO VA VANTAGESCORE BILAN INTEGRATSIYASI
DOI:
https://doi.org/10.5281/zenodo.18194640Keywords:
chakana kreditlash, tijorat banklari, FICO, VantageScore, kredit skoring, kredit, riskni baholashAbstract
Ushbu maqolada FICO va VantageScorening tijorat banklaridagi chakana kreditlash amaliyotiga integratsiyalashuvi masalasi tahlil qilingan. Tadqiqot doirasida kredit reytinglarining bankning kredit berish qarorlariga, foiz stavkalarini belgilash hamda kredit riskini baholash jarayonlariga ko‘rsatadigan ta’siri o‘rganilgan. Shuningdek, tijorat banklari va onlayn kredit platformalarining solishtirma ma’lumotlari tahlil qilinib, kredit olish imkoniyatini belgilaydigan asosiy omillar aniqlangan. Tahlil natijalari shuni ko‘rsatadiki, FICO va VantageScore modellarini avtomatlashtirilgan kredit qarorlari tizimiga integratsiya qilish kredit risklarini aniq prognoz qilish, kredit portfelining sifatini oshirish hamda turli mijoz profillari uchun imkoniyatlarni kengaytirishga xizmat qiladi
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