Keywords
Abstract
Ushbu maqolada tijorat banklarida prudensial nazorat va moliyaviy monitoring tizimlariga Generativ Sun'iy Intellekt modellarini integratsiya qilish masalalari tadqiq etilgan. Moliyaviy operatsiyalar murakkabligi va ma'lumotlar hajmining ortib borishi sharoitida, an'anaviy avtomatlashtirilgan tizimlar tarkiblashtirilmagan hisobotlarni kontekstual tahlil qilishda yetarli samara bermayapti. Tadqiqot doirasida zamonaviy Katta Til Modellari (LLM) va axborotni qidirish bilan kengaytirilgan generatsiya (RAG) arxitekturalarining komplayens-audit, stress-test hisobotlari tahlili va xavf-xatarlarni erta aniqlash jarayonlarini avtomatlashtirishdagi funksional imkoniyatlari o'rganilgan. GenAI qoidalarga asoslangan filtrlardan semantik risk tahliliga o'tish orqali bank barqarorligi ko'rsatkichlari va jinoiy daromadlarni legallashtirishga qarshi kurash jarayonlarini uzluksiz monitoring qilish imkonini beradi. Tadqiqotning amaliy ahamiyati an'anaviy mashinali o'qitish algoritmlari va generativ modellarni birgalikda qo'llashning konseptual modelini ishlab chiqilganligi bilan belgilanadi. Olingan natijalar GenAI modellarining qo'llanilishi monitoring jarayonlaridagi xatolik ko'rsatkichlarini (false-positives) sezilarli darajada kamaytirishini hamda tizimli risklarni barvaqt bartaraf etishga xizmat qilishini ko'rsatadi.
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