BANK SEKTORIDA RISKLARNI BOSHQARISH: XALQARO TAJRIBA VA IQTISODIY ISLOHOTLAR SHAROITIDA TAKOMILLASHTIRISH YO‘LLARI
DOI:
https://doi.org/10.55439/INS/vol2_iss4/321##article.subject##:
bank risklari, risk-menejment, Bazel III, CAMELS, stress-test, iqtisodiy islohotlar, kiberxavfsizlik, raqamlashtirish.##article.abstract##
Mazkur maqolada bank sektorida risklarni boshqarishning xalqaro tajribasi va iqtisodiy islohotlar sharoitida uni takomillashtirish yo‘llari tahlil qilinadi. Tadqiqot davomida Bazel I, II va III standartlari, Yevropa Markaziy Banki ko‘rsatmalari hamda CAMELS, ORAP, SCOR, SEER kabi risk baholash tizimlari o‘rganildi. Statistik modellar, stress-testlar va guruh tahlili orqali banklarning moliyaviy barqarorligi baholandi. Natijalar shuni ko‘rsatadiki, risk madaniyatini rivojlantirish, IT-infratuzilmani modernizatsiya qilish, raqamli texnologiyalarni joriy etish va xalqaro standartlarni uyg‘unlashtirish bank tizimining barqarorligini oshirishda muhim omillardir. Maqolada strategik tavsiyalar sifatida Bazel III standartlarini milliy qonunchilikka to‘liq joriy etish, kiberxavfsizlikni mustahkamlash va transchegaraviy risklarni boshqarish mexanizmlarini takomillashtirish taklif etiladi.
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