TIJORAT BANKLARIDA PRUDENSIAL NAZORAT VA MOLIYA MONITORINGINI AVTOMATLASHTIRISHDA GENERATIV SUN'IY INTELLEKT MODELLARINI QOʻLLASH ISTIQBOLLARI
Authors/Creators
- 1. Toshkent Davlat Iqtisodiyot Universiteti Raqamli Iqtisodiyot Va Axborot Texnologiyalari Fakulteti Talabasi
- 2. Ilmiy rahbar
- 3. Worldly Knowledge Publishing Centre
Description
Ushbu maqolada global moliya tizimining raqamli transformatsiyalashuvi sharoitida tijorat banklarida prudensial nazorat va moliya monitoringi (AML/CFT) jarayonlarini avtomatlashtirish masalalari tadqiq etilgan. An'anaviy qoidalarga asoslangan (rule-based) tizimlarning cheklovlari tahlil qilinib, ularning oqibatida yuzaga keladigan yuqori darajadagi "soxta trevogalar" (false positives) muammosi yoritilgan. Tadqiqotda bank ichki hujjatlari va tranzaksiyalarning matnli kontekstini semantik tahlil qilish uchun Katta til modellari (LLM) va RAG (Retrieval-Augmented Generation) texnologiyasiga asoslangan yangi konseptual arxitektura taklif etilgan. Olingan natijalar shuni koʻrsatadiki, generativ sun'iy intellekt agentlarining joriy etilishi asossiz shubhali signallarni 65%–75% gacha kamaytirish va Shubhali faoliyat toʻgʻrisidagi hisobotlarni (SAR) tayyorlash vaqtini 80% gacha qisqartirish imkonini beradi. Maqola yakunida bank siri va ma'lumotlar xavfsizligini ta'minlash uchun lokal (On-Premise) modellardan foydalanish zaruriyati asoslangan hamda Oʻzbekiston bank sektori uchun amaliy tavsiyalar ilgari surilgan.
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Additional details
References
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- 4.Assefa, S. A., Dervovic, D., Mahfouz, M., & Balch, T. (2024). Generating Synthetic Financial Data using Generative Adversarial Networks (GANs) and LLMs for Fraud Detection. Quantitative Finance, 24(3), pp. 311-325.
- 5.Basel Committee on Banking Supervision. (2018). Sound Practices: Implications of fintech developments for banks and bank supervisors. Bank for International Settlements, pp. 12-18.