{"id":1635,"date":"2026-06-25T22:36:57","date_gmt":"2026-06-25T17:36:57","guid":{"rendered":"https:\/\/fintech.tsue.uz\/?p=1635"},"modified":"2026-06-25T22:36:57","modified_gmt":"2026-06-25T17:36:57","slug":"%d1%84%d0%b8%d0%bd%d1%82%d0%b5%d1%85-%d0%be%d1%80%d0%b8%d0%b5%d0%bd%d1%82%d0%b8%d1%80%d0%be%d0%b2%d0%b0%d0%bd%d0%bd%d0%b0%d1%8f-%d0%bc%d0%be%d0%b4%d0%b5%d0%bb%d1%8c-%d0%ba%d0%be%d0%bc%d0%bf%d0%bb","status":"publish","type":"post","link":"https:\/\/fintech.tsue.uz\/?p=1635","title":{"rendered":"\u0424\u0418\u041d\u0422\u0415\u0425-\u041e\u0420\u0418\u0415\u041d\u0422\u0418\u0420\u041e\u0412\u0410\u041d\u041d\u0410\u042f \u041c\u041e\u0414\u0415\u041b\u042c \u041a\u041e\u041c\u041f\u041b\u0415\u041a\u0421\u041d\u041e\u0419 \u041e\u0426\u0415\u041d\u041a\u0418 \u041a\u0420\u0415\u0414\u0418\u0422\u041e\u0421\u041f\u041e\u0421\u041e\u0411\u041d\u041e\u0421\u0422\u0418 \u041a\u041e\u0420\u041f\u041e\u0420\u0410\u0422\u0418\u0412\u041d\u042b\u0425 \u041a\u041b\u0418\u0415\u041d\u0422\u041e\u0412 \u0418 \u0415\u0401 \u0412\u041b\u0418\u042f\u041d\u0418\u0415 \u041d\u0410 \u042d\u0424\u0424\u0415\u041a\u0422\u0418\u0412\u041d\u041e\u0421\u0422\u042c \u0411\u0410\u041d\u041a\u041e\u0412\u0421\u041a\u0418\u0425 \u0420\u0415\u0428\u0415\u041d\u0418\u0419"},"content":{"rendered":"\n<p><strong>\u042e\u0441\u0443\u043f\u043e\u0432 \u0411\u0435\u0445\u0437\u043e\u0434 \u042e\u0441\u0443\u043f \u0443\u0433\u043b\u0438<\/strong><\/p>\n\n\n\n<p><em>\u043d\u0435\u0437\u0430\u0432\u0438\u0441\u0438\u043c\u044b\u0439 \u0441\u043e\u0438\u0441\u043a\u0430\u0442\u0435\u043b\u044c<\/em><\/p>\n\n\n\n<p><em>\u0433.\u0414\u0436\u0438\u0437\u0430\u043a, \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0430 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d<\/em><\/p>\n\n\n\n<p><em>E<\/em><em>&#8211;<\/em><em>mail<\/em><em>: <\/em><a href=\"mailto:bekzod130@gmail.com\"><em>bekzod<\/em><em>130@<\/em><em>gmail<\/em><em>.<\/em><em>com<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><em>O<\/em><em>RCID:0009-0007-4178-930X<\/em><strong><\/strong><\/p>\n\n\n\n<p><strong><em>\u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f.<\/em><\/strong><em> \u0412 \u0441\u0442\u0430\u0442\u044c\u0435 \u0438\u0441\u0441\u043b\u0435\u0434\u0443\u044e\u0442\u0441\u044f \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0438 \u043f\u0440\u0438\u043c\u0435\u043d\u0435\u043d\u0438\u044f fintech-\u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0439 \u043f\u0440\u0438 \u043e\u0446\u0435\u043d\u043a\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0441\u043f\u043e\u0441\u043e\u0431\u043d\u043e\u0441\u0442\u0438 \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432\u043d\u044b\u0445 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432. \u0420\u0430\u0441\u0441\u043c\u0430\u0442\u0440\u0438\u0432\u0430\u044e\u0442\u0441\u044f \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u0438\u044f \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u0445 \u043c\u0435\u0442\u043e\u0434\u043e\u0432 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e&nbsp; \u0430\u043d\u0430\u043b\u0438\u0437\u0430 \u0438 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u0430 \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u043e\u043d\u043d\u043e\u0439 \u0430\u0441\u0438\u043c\u043c\u0435\u0442\u0440\u0438\u0438. \u0410\u0432\u0442\u043e\u0440\u043e\u043c \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u0430 \u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0441\u043d\u0430\u044f fintech-\u043c\u043e\u0434\u0435\u043b\u044c, \u043e\u0441\u043d\u043e\u0432\u0430\u043d\u043d\u0430\u044f \u043d\u0430 \u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u0438 \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 \u0438\u0441\u0442\u043e\u0447\u043d\u0438\u043a\u043e\u0432 \u0434\u0430\u043d\u043d\u044b\u0445, \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0433\u043e \u0440\u0438\u0441\u043a-\u0441\u043a\u0440\u0438\u043d\u0438\u043d\u0433\u0430 \u0438 \u0430\u043d\u0430\u043b\u0438\u0437\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0445 \u043a\u043e\u044d\u0444\u0444\u0438\u0446\u0438\u0435\u043d\u0442\u043e\u0432. \u0420\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442\u044b \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u044f \u043f\u043e\u043a\u0430\u0437\u044b\u0432\u0430\u044e\u0442, \u0447\u0442\u043e \u0446\u0438\u0444\u0440\u043e\u0432\u043e\u0439 \u043f\u043e\u0434\u0445\u043e\u0434 \u043f\u043e\u0437\u0432\u043e\u043b\u044f\u0435\u0442 \u043f\u043e\u0432\u044b\u0441\u0438\u0442\u044c \u043a\u0430\u0447\u0435\u0441\u0442\u0432\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u0440\u0435\u0448\u0435\u043d\u0438\u0439, \u0441\u043e\u043a\u0440\u0430\u0442\u0438\u0442\u044c \u0432\u0440\u0435\u043c\u044f \u0430\u043d\u0430\u043b\u0438\u0437\u0430 \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u043e\u0432 \u0438 \u0441\u043d\u0438\u0437\u0438\u0442\u044c \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0435 \u0440\u0438\u0441\u043a\u0438.<\/em><\/p>\n\n\n\n<p><strong><em>\u041a\u043b\u044e\u0447\u0435\u0432\u044b\u0435 \u0441\u043b\u043e\u0432\u0430:<\/em><\/strong><em>fintech, creditworthiness, corporatelending, riskassessment, digitalunderwriting, \u0446\u0438\u0444\u0440\u043e\u0432\u043e\u0439 \u0431\u0430\u043d\u043a\u0438\u043d\u0433, \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0441\u043f\u043e\u0441\u043e\u0431\u043d\u043e\u0441\u0442\u044c, \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432\u043d\u043e\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u0435, \u0440\u0438\u0441\u043a-\u043c\u0435\u043d\u0435\u0434\u0436\u043c\u0435\u043d\u0442.<\/em><\/p>\n\n\n\n<p><strong>\u041a\u041e\u0420\u041f\u041e\u0420\u0410\u0422\u0418\u0412 \u041c\u0418\u0416\u041e\u0417\u041b\u0410\u0420 \u041a\u0420\u0415\u0414\u0418\u0422\u0413\u0410 \u041b\u0410\u0401\u049a\u0410\u0422\u041b\u0418\u041b\u0418\u0413\u0418\u041d\u0418 \u041a\u041e\u041c\u041f\u041b\u0415\u041a\u0421 \u0411\u0410\u04b2\u041e\u041b\u0410\u0428\u041d\u0418\u041d\u0413 <\/strong><strong>FINTECH<\/strong><strong>-\u0419\u040e\u041d\u0410\u041b\u0422\u0418\u0420\u0418\u041b\u0413\u0410\u041d \u041c\u041e\u0414\u0415\u041b\u0418 \u0412\u0410 \u0423\u041d\u0418\u041d\u0413 \u0411\u0410\u041d\u041a \u049a\u0410\u0420\u041e\u0420\u041b\u0410\u0420\u0418 \u0421\u0410\u041c\u0410\u0420\u0410\u0414\u041e\u0420\u041b\u0418\u0413\u0418\u0413\u0410 \u0422\u0410\u042a\u0421\u0418\u0420\u0418<\/strong><\/p>\n\n\n\n<p><strong>\u042e\u0441\u0443\u043f\u043e\u0432 \u0411\u0435\u04b3\u0437\u043e\u0434 \u042e\u0441\u0443\u043f \u045e\u0493\u043b\u0438<\/strong><\/p>\n\n\n\n<p><em>\u041c\u0443\u0441\u0442\u0430\u049b\u0438\u043b \u0438\u0437\u043b\u0430\u043d\u0443\u0432\u0447\u0438,<\/em><\/p>\n\n\n\n<p><em>\u0416\u0438\u0437\u0437\u0430\u0445 \u0448\u0430\u0445\u0440\u0438, \u040e\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u043e\u043d \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0430\u0441\u0438<\/em><\/p>\n\n\n\n<p><em>E<\/em><em>&#8211;<\/em><em>mail<\/em><em>: <\/em><a href=\"mailto:bekzod130@gmail.com\"><em>bekzod<\/em><em>130@<\/em><em>gmail<\/em><em>.<\/em><em>com<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><em>O<\/em><em>RCID:0009-0007-4178-930X<\/em><\/p>\n\n\n\n<p><strong><em>\u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f. <\/em><\/strong><em>\u041c\u0430\u049b\u043e\u043b\u0430\u0434\u0430 \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432 \u043c\u0438\u0436\u043e\u0437\u043b\u0430\u0440\u043d\u0438\u043d\u0433 \u043a\u0440\u0435\u0434\u0438\u0442\u0433\u0430 \u043b\u0430\u0451\u049b\u0430\u0442\u043b\u0438\u043b\u0438\u0433\u0438\u043d\u0438 \u0431\u0430\u04b3\u043e\u043b\u0430\u0448\u0434\u0430 <\/em><em>fintech<\/em><em>-\u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u044f\u043b\u0430\u0440\u0434\u0430\u043d \u0444\u043e\u0439\u0434\u0430\u043b\u0430\u043d\u0438\u0448 \u0438\u043c\u043a\u043e\u043d\u0438\u044f\u0442\u043b\u0430\u0440\u0438 \u0442\u0430\u04b3\u043b\u0438\u043b \u049b\u0438\u043b\u0438\u043d\u0433\u0430\u043d. \u0410\u043d\u044a\u0430\u043d\u0430\u0432\u0438\u0439 \u043a\u0440\u0435\u0434\u0438\u0442 \u0442\u0430\u04b3\u043b\u0438\u043b\u0438 \u0443\u0441\u0443\u043b\u043b\u0430\u0440\u0438\u043d\u0438\u043d\u0433 \u0447\u0435\u043a\u043b\u0430\u043d\u0433\u0430\u043d\u043b\u0438\u0433\u0438 \u0432\u0430 \u0430\u0445\u0431\u043e\u0440\u043e\u0442 \u0430\u0441\u0438\u043c\u043c\u0435\u0442\u0440\u0438\u044f\u0441\u0438 \u043c\u0443\u0430\u043c\u043c\u043e\u043b\u0430\u0440\u0438 \u043a\u045e\u0440\u0438\u0431 \u0447\u0438\u049b\u0438\u043b\u0433\u0430\u043d. \u041c\u0443\u0430\u043b\u043b\u0438\u0444 \u0442\u043e\u043c\u043e\u043d\u0438\u0434\u0430\u043d \u0440\u0430\u049b\u0430\u043c\u043b\u0438 \u043c\u0430\u044a\u043b\u0443\u043c\u043e\u0442\u043b\u0430\u0440 \u043c\u0430\u043d\u0431\u0430\u043b\u0430\u0440\u0438, \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u043b\u0430\u0448\u0442\u0438\u0440\u0438\u043b\u0433\u0430\u043d \u0440\u0438\u0441\u043a-\u0441\u043a\u0440\u0438\u043d\u0438\u043d\u0433 \u0432\u0430\u043c\u043e\u043b\u0438\u044f\u0432\u0438\u0439 \u043a\u043e\u044d\u0444\u0444\u0438\u0446\u0438\u0435\u043d\u0442\u043b\u0430\u0440 \u0442\u0430\u04b3\u043b\u0438\u043b\u0438\u0433\u0430 \u0430\u0441\u043e\u0441\u043b\u0430\u043d\u0433\u0430\u043d \u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0441 <\/em><em>fintech<\/em><em>-\u043c\u043e\u0434\u0435\u043b \u0442\u0430\u043a\u043b\u0438\u0444 \u044d\u0442\u0438\u043b\u0433\u0430\u043d. \u0422\u0430\u0434\u049b\u0438\u049b\u043e\u0442 \u043d\u0430\u0442\u0438\u0436\u0430\u043b\u0430\u0440\u0438 \u0440\u0430\u049b\u0430\u043c\u043b\u0438 \u0451\u043d\u0434\u0430\u0448\u0443\u0432 \u043a\u0440\u0435\u0434\u0438\u0442 \u049b\u0430\u0440\u043e\u0440\u043b\u0430\u0440\u0438 \u0441\u0438\u0444\u0430\u0442\u0438\u043d\u0438 \u043e\u0448\u0438\u0440\u0438\u0448, \u0442\u0430\u04b3\u043b\u0438\u043b \u0432\u0430\u049b\u0442\u0438\u043d\u0438 \u049b\u0438\u0441\u049b\u0430\u0440\u0442\u0438\u0440\u0438\u0448 \u0432\u0430 \u043a\u0440\u0435\u0434\u0438\u0442 \u0440\u0438\u0441\u043a\u043b\u0430\u0440\u0438\u043d\u0438 \u043a\u0430\u043c\u0430\u0439\u0442\u0438\u0440\u0438\u0448 \u0438\u043c\u043a\u043e\u043d\u0438\u043d\u0438 \u0431\u0435\u0440\u0438\u0448\u0438\u043d\u0438 \u043a\u045e\u0440\u0441\u0430\u0442\u0430\u0434\u0438.<\/em><\/p>\n\n\n\n<p><strong><em>\u041a\u0430\u043b\u0438\u0442 \u0441\u045e\u0437\u043b\u0430\u0440: <\/em><\/strong><em>fintech<\/em><em>, <\/em><em>credit<\/em><em> <\/em><em>worthiness<\/em><em>, <\/em><em>corporate<\/em><em> <\/em><em>lending<\/em><em>, <\/em><em>risk<\/em><em> <\/em><em>assessment<\/em><em>, <\/em><em>digital<\/em><em> <\/em><em>underwriting<\/em><em>, \u0440\u0430\u049b\u0430\u043c\u043b\u0438 \u0431\u0430\u043d\u043a\u0438\u043d\u0433, \u043a\u0440\u0435\u0434\u0438\u0442\u0433\u0430 \u043b\u0430\u0451\u049b\u0430\u0442\u043b\u0438\u043b\u0438\u043a, \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432 \u043a\u0440\u0435\u0434\u0438\u0442\u043b\u0430\u0448, \u0440\u0438\u0441\u043a-\u043c\u0435\u043d\u0435\u0436\u043c\u0435\u043d\u0442.<\/em><\/p>\n\n\n\n<p><strong>FINTECH-ORIENTED MODEL OF COMPREHENSIVE CREDITWORTHINESS ASSESSMENT OF CORPORATE CLIENTS AND ITS IMPACT ON THE EFFECTIVENESS OF BANKING DECISIONS<\/strong><\/p>\n\n\n\n<p><strong>Yusupov Bekhzod Yusup o\u2018g\u2018li<\/strong><\/p>\n\n\n\n<p><em>Independent Researcher,<\/em><\/p>\n\n\n\n<p><em>\u0414\u0436\u0438\u0437\u0430\u043a<\/em><em>, Republic of Uzbekistan<\/em><\/p>\n\n\n\n<p><em>E-mail: <\/em><a href=\"mailto:bekzod130@gmail.com\"><em>bekzod130@gmail.com<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><em>ORCID: 0009-0007-4178-930X<\/em><\/p>\n\n\n\n<p><strong><em>Abstract.<\/em><\/strong><em> The article examines the use of fintech technologies in assessing the creditworthiness of corporate clients. The limitations of traditional credit analysis methods and the problem of information asymmetry are analyzed. The author proposes a comprehensive fintech-based model integrating digital data sources, automated risk screening, and financial ratio analysis. The research findings demonstrate that the digital approach improves the quality of credit decisions, reduces borrower assessment time, and decreases credit risks.<\/em><\/p>\n\n\n\n<p><strong><em>Keywords:<\/em><\/strong><em>fintech, creditworthiness, corporate lending, risk assessment, digital underwriting, digital banking, risk management.<\/em><\/p>\n\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/06\/15.-\u042e\u0441\u0443\u043f\u043e\u0432-\u0411\u0435\u0445\u0437\u043e\u0434-\u042e\u0441\u0443\u043f-\u0443\u0433\u043b\u0438-\u0424\u0438\u043d\u0442\u0435\u0445-\u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f-\u043c\u043e\u0434\u0435\u043b\u044c-\u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0441\u043d\u043e\u0439-\u043e\u0446\u0435\u043d\u043a\u0438-\u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0441\u043f\u043e\u0441\u043e\u0431\u043d\u043e\u0441\u0442\u0438-\u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432\u043d\u044b\u0445-\u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432-\u0438-\u0435.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of 15. \u042e\u0441\u0443\u043f\u043e\u0432 \u0411\u0435\u0445\u0437\u043e\u0434 \u042e\u0441\u0443\u043f \u0443\u0433\u043b\u0438 - \u0424\u0438\u043d\u0442\u0435\u0445-\u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f \u043c\u043e\u0434\u0435\u043b\u044c \u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0441\u043d\u043e\u0439 \u043e\u0446\u0435\u043d\u043a\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0441\u043f\u043e\u0441\u043e\u0431\u043d\u043e\u0441\u0442\u0438 \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432\u043d\u044b\u0445 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432 \u0438 \u0435.\"><\/object><a id=\"wp-block-file--media-5e1fd4c0-5cca-4ef4-8b15-37d8cff60c20\" href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/06\/15.-\u042e\u0441\u0443\u043f\u043e\u0432-\u0411\u0435\u0445\u0437\u043e\u0434-\u042e\u0441\u0443\u043f-\u0443\u0433\u043b\u0438-\u0424\u0438\u043d\u0442\u0435\u0445-\u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f-\u043c\u043e\u0434\u0435\u043b\u044c-\u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0441\u043d\u043e\u0439-\u043e\u0446\u0435\u043d\u043a\u0438-\u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0441\u043f\u043e\u0441\u043e\u0431\u043d\u043e\u0441\u0442\u0438-\u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432\u043d\u044b\u0445-\u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432-\u0438-\u0435.pdf\">15. \u042e\u0441\u0443\u043f\u043e\u0432 \u0411\u0435\u0445\u0437\u043e\u0434 \u042e\u0441\u0443\u043f \u0443\u0433\u043b\u0438 &#8211; \u0424\u0438\u043d\u0442\u0435\u0445-\u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f \u043c\u043e\u0434\u0435\u043b\u044c \u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0441\u043d\u043e\u0439 \u043e\u0446\u0435\u043d\u043a\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0441\u043f\u043e\u0441\u043e\u0431\u043d\u043e\u0441\u0442\u0438 \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432\u043d\u044b\u0445 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432 \u0438 \u0435<\/a><a href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/06\/15.-\u042e\u0441\u0443\u043f\u043e\u0432-\u0411\u0435\u0445\u0437\u043e\u0434-\u042e\u0441\u0443\u043f-\u0443\u0433\u043b\u0438-\u0424\u0438\u043d\u0442\u0435\u0445-\u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f-\u043c\u043e\u0434\u0435\u043b\u044c-\u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0441\u043d\u043e\u0439-\u043e\u0446\u0435\u043d\u043a\u0438-\u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0441\u043f\u043e\u0441\u043e\u0431\u043d\u043e\u0441\u0442\u0438-\u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432\u043d\u044b\u0445-\u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432-\u0438-\u0435.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-5e1fd4c0-5cca-4ef4-8b15-37d8cff60c20\">Download<\/a><\/div>\n\n\n\n<p><strong>\u041b\u0438\u0442\u0435\u0440\u0430\u0442\u0443\u0440<\/strong><strong>\u0430<\/strong><\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Arner D., Barberis J., Buckley R. FinTech and RegTech in a Nutshell. &#8211; Journal of Banking Regulation, 2017.<\/li>\n\n\n\n<li>Basel Committee on Banking Supervision. Principles for the Sound Management of Credit Risk. &#8211; Basel, 2023.<\/li>\n\n\n\n<li>Berg T., Burg V., Gombovi\u0107 A. On the Rise of FinTechs. &#8211; Journal of Finance, 2020.<\/li>\n\n\n\n<li>World Bank. Digital Financial Services Report. &#8211; Washington, 2022.<\/li>\n\n\n\n<li>IMF. Fintech and the Future of Banking. &#8211; IMF Working Paper, 2021.<\/li>\n\n\n\n<li>Jagtiani J., Lemieux C. Fintech Lending: Financial Inclusion and Risk. &#8211; Federal Reserve Bank Review, 2019.<\/li>\n\n\n\n<li>OECD Digital Economy Outlook. &#8211; Paris, 2022.<\/li>\n\n\n\n<li>Philippon T. The FinTech Opportunity. &#8211; NBER Working Paper, 2019.<\/li>\n\n\n\n<li>Gomber P. Digital Finance and FinTech. &#8211; Journal of Business Economics, 2018.<\/li>\n\n\n\n<li>Claessens S. Financial Technology and Financial Services. &#8211; BIS Papers, 2018.<\/li>\n\n\n\n<li>Frost J. The Economic Forces Driving FinTech Adoption. &#8211; BIS Working Papers, 2020.<\/li>\n\n\n\n<li>World Economic Forum. Future of Financial Infrastructure. &#8211; Geneva, 2021.<\/li>\n\n\n\n<li>Deloitte. Digital Banking Maturity Report. &#8211; 2022.<\/li>\n\n\n\n<li>McKinsey Global Banking Annual Review. &#8211; 2023.<\/li>\n\n\n\n<li>KPMG. AI in Banking Risk Management. &#8211; 2022.<\/li>\n\n\n\n<li>PwC. Global FinTech Report. &#8211; 2023.<\/li>\n\n\n\n<li>Saunders A., Allen L. Credit Risk Management in Banking. &#8211; Wiley, 2021.<\/li>\n\n\n\n<li>Rose P. Commercial Bank Management. &#8211; McGraw-Hill, 2020.<\/li>\n\n\n\n<li>Mishkin F. Financial Markets and Institutions. &#8211; Pearson, 2021.<\/li>\n\n\n\n<li>Hull J. Risk Management and Financial Institutions. &#8211; Wiley, 2022.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>\u042e\u0441\u0443\u043f\u043e\u0432 \u0411\u0435\u0445\u0437\u043e\u0434 \u042e\u0441\u0443\u043f \u0443\u0433\u043b\u0438 \u043d\u0435\u0437\u0430\u0432\u0438\u0441\u0438\u043c\u044b\u0439 \u0441\u043e\u0438\u0441\u043a\u0430\u0442\u0435\u043b\u044c \u0433.\u0414\u0436\u0438\u0437\u0430\u043a, \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0430 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d E&#8211;mail: bekzod130@gmail.com ORCID:0009-0007-4178-930X \u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f. \u0412 \u0441\u0442\u0430\u0442\u044c\u0435 \u0438\u0441\u0441\u043b\u0435\u0434\u0443\u044e\u0442\u0441\u044f \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0438 \u043f\u0440\u0438\u043c\u0435\u043d\u0435\u043d\u0438\u044f fintech-\u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0439 \u043f\u0440\u0438 \u043e\u0446\u0435\u043d\u043a\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0441\u043f\u043e\u0441\u043e\u0431\u043d\u043e\u0441\u0442\u0438 \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432\u043d\u044b\u0445 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432. \u0420\u0430\u0441\u0441\u043c\u0430\u0442\u0440\u0438\u0432\u0430\u044e\u0442\u0441\u044f \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u0438\u044f \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u0445 \u043c\u0435\u0442\u043e\u0434\u043e\u0432 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e&nbsp; \u0430\u043d\u0430\u043b\u0438\u0437\u0430 \u0438 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u0430 \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u043e\u043d\u043d\u043e\u0439&#46;&#46;&#46;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-1635","post","type-post","status-publish","format-standard","hentry","category-2026-yil-3-son"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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