ИСПОЛЬЗОВАНИЕ СОВРЕМЕННЫХ ТЕХНОЛОГИЙ И МЕТОДОВ В СОВЕРШЕНСТВОВАНИИ СИСТЕМЫ УПРАВЛЕНИЯ РИСКАМИ КОММЕРЧЕСКИХ БАНКОВ РЕСПУБЛИКИ УЗБЕКИСТАН

Аннотация

The article analyzes modern approaches to improving the risk management system in commercial banks of Uzbekistan. It provides specific statistical data on commercial banks for the period of 2022–2025. Definitions are given for credit, market, operational, liquidity, reputational, and compliance risks encountered in banking activities and practices, along with proposed measures to prevent these risks in the Uzbekistan market. In this regard, methods for risk reduction are suggested through the implementation of artificial intelligence and machine learning technologies, as well as integrated solutions that encompass international standards, technological innovations, and the development of human capital to enhance the financial stability of banks. Keywords: credit risks, market risks, operational risks, liquidity risks, reputational risks, compliance risks, banking sector transformation, Basel III agreement, artificial intelligence technologies, machine learning system, modern methods.