TIJORAT BANKLARIDA YASHIL MOLIYALASHTIRISH XIZMATLARINI RIVOJLANTIRISHDA SUNʻIY INTELLEKT TEXNOLOGIYALARIDAN FOYDALANISH IMKONIYATLARI
Keywords:
yashil moliyalashtirish, sunʻiy intellekt, ESG-skoring, iqlim risklari, tijorat banklari, Oʻzbekiston, mashinaviy oʻqitish, yashil kredit, raqamli transformatsiya, barqaror moliya.Abstract
Maqolada Oʻzbekiston Respublikasi tijorat banklarida yashil moliyalashtirish xizmatlarini rivojlantirishda sunʻiy intellekt (SI) texnologiyalaridan foydalanish imkoniyatlari tizimli tarzda tahlil qilingan. Tadqiqotning empirik bazasini Jahon banki, OECD, EBRD va GGGI hisobotlari, KPMG va UNDP analitik nashrlari, Oʻzbekiston Respublikasining meʻyoriy-huquqiy hujjatlari (Prezident qarori PQ-436, 2022 yil; Prezident farmoni PF-358, 2024 yil 14-oktabr) hamda Scopus va Web of Science maʻlumotlar bazalaridagi 2022–2026 yillarga tegishli retsenzlangan ilmiy nashrlardan olingan maʻlumotlar tashkil etadi. Tadqiqot natijasida SI texnologiyalarining tijorat banklari yashil xizmatlarida qoʻllanilishi olti asosiy yoʻnalish boʻyicha tasniflangan: ESG-skoring va yashil kredit baholash; iqlim risklarini kompleks baholash va stress-testing; korxonalarning karbon izini avtomatlashtirilgan hisoblash hamda real vaqtda monitoring qilish; tabiiy tilni qayta ishlash (NLP) algoritmlari yordamida greenwashing hodisalarini aniqlash; barqarorlikka oid hisobotlarni avtomatik shakllantirish; va mijozlarga yashil moliyaviy mahsulotlarni shaxsiylashtirilgan tarzda taqdim etish. Tahlil natijalari shuni koʻrsatadiki, Oʻzbekistondagi 36 ta tijorat banki bank tizimi aktivlarining ulushi YaIM ning 53% ini tashkil etgan holda, 2030 yilgacha mitigatsiya uchun talab etilayotgan 33,7 milliard AQSh dollari miqdoridagi iqlim moliyaviy ehtiyojini qondirishda asosiy institutsional rolga egadir. Biroq mahalliy banklarning SI boʻyicha yetilganlik darajasi global trendlardan sezilarli ravishda orqada qolmoqda. Maqolada bu boʻshliqni bartaraf etish maqsadida bosqichli “ESG–AI sandbox” integratsion modeli taklif etilgan.
References
1. Oʻzbekiston Respublikasi Prezidentining 2022 yildagi PQ-436 sonli qarori “Oʻzbekiston Respublikasida 2030 yilga qadar yashil iqtisodiyotga oʻtishni taʻminlash chora-tadbirlari toʻgʻrisida”. – Lex.uz, 2022.
2. Oʻzbekiston Respublikasi Prezidentining 2024 yil 14-oktabrdagi PF-358 sonli farmoni “2030 yilgacha sunʻiy intellekt texnologiyalarini rivojlantirish strategiyasini tasdiqlash toʻgʻrisida”. – Lex.uz, 2024.
3. Ahmedov K. M. A. The Effect of Green Credit on the Risk-Taking Behavior of Commercial Banks in Uzbekistan // American Journal of Economics and Business Management. – 2025. – Vol. 8(7). – P. 1–18.
4. Bansal N., Taneja S., Özen E. AI-Powered Sustainability: Transforming Finance Sector for a Better Tomorrow. – IGI Global, 2025. – P. 27–45.
5. Chen J. Impact of Green Credit on the Performance of Commercial Banks: Evidence from 42 Chinese Listed Banks // Economics. – 2025. – Vol. 19(1). – doi: 10.1515/econ-2025-0131.
6. EBRD. EBRD Supports Green Lending in Uzbekistan: GEFF II Uzbekistan Loan to Hamkorbank. – EBRD Press Release, 2025.
7. GGGI. Uzbek Banks Receive Green Banking and ESG Integration Training. – Tashkent: Global Green Growth Institute, December 10, 2025.
8. IMF. Republic of Uzbekistan: Financial Sector Assessment. – Washington: International Monetary Fund, 2025.
9. KPMG. The Intelligent Bank 2025: Global Digital Banking Trends & Insights. – KPMG International, 2025.
10. Lim T., Ang J. S., Tan W. AI in ESG for Financial Institutions: An Industrial Survey // arXiv preprint. – 2024. – arXiv:2403.05541.
11. Lian Y., Gao J., Ye T. How Does Green Credit Affect the Financial Performance of Commercial Banks? Evidence from China // Journal of Cleaner Production. – 2022. – Vol. 344. – doi: 10.1016/j.jclepro.2022.131069.
12. Li Y., Wu G. The Green Advantage: Mapping the Profit Power of Green Credit in Commercial Banks // Economic Change and Restructuring. – 2025. – Vol. 58(2). – doi: 10.1007/s10644-025-09869-0.
13. OECD. Financing Uzbekistan’s Green Transition. – Paris: OECD Publishing, 2023.
14. Qozoqov Sh. Assessing the Ecosystem Readiness for AI Adoption in Uzbekistan’s Banking Sector: A Multi-Stakeholder Perspective // Financial and Credit Systems: Prospects for Development. – 2025. – No. 3(18). – P. 9–19. – doi: 10.26565/2786-4995-2025-3-01.
15. Abdurashidova M. S., Balbaa M. E. Artificial Intelligence in the Banking Sector in Uzbekistan: Exploring the Impacts and Opportunities // Proceedings of ICFNDS ’23. – New York: ACM, 2023. – doi: 10.1145/3644713.3644721.
16. UNDP. Digital Economy of Uzbekistan: The State of Digital Entrepreneurship and Artificial Intelligence. – Tashkent: UNDP, 2025.
17. World Bank. Prime Picks for a Green Pivot: Uzbekistan State Funds for Climate Action. – Washington: World Bank, 2025.
18. World Bank Blogs. Uzbekistan’s Green Leap. – February 26, 2025.
19. Springer Nature. Artificial Intelligence Applications for Advancing Sustainable Green Finance // Discover Sustainability. – 2026. – doi: 10.1007/s43621-026-02980-w.
20. MDPI. The Application of Artificial Intelligence in the Implementation of ESG-Oriented Sustainable Development Strategies in the Banking Sector // Sustainability. – 2026. – Vol. 18(2). – Article 732.
