BANK TIZIMIDA KORRUPSIYAVIY XAVF-XATARLARNI ANIQLASH VA BARTARAF ETISHDA XORIJIY DAVLATLAR TAJRIBASINING AHAMIYATI
Keywords:
bank tizimi, korrupsiyaviy xavf-xatarlar, Singapur modeli, komplayens-nazorat, ISO 37001, raqamlashtirish, manfaatlar to‘qnashuvi, sun’iy intellekt.Abstract
Mazkur maqolada bank-moliya sohasidagi barqarorlikka salbiy ta’sir qiluvchi korrupsiyaviy xavf-xatarlarni olidini olishda xalqaro standartlar va rivojlangan davlatlar (Singapur, AQSH, Germaniya) tajribasini qo‘llashning dolzarb masalalari tahlil qilinadi. Tadqiqot davomida bank tizimidagi xavflarning iqtisodiy o‘sishga ta’siri, agentlik va legetimlik nazariyalari ko‘rib chiqilgan. Shuningdek, O‘zbekiston bank sektorida 2024-2025-yilhlarda amalga oshirilayotgan raqamli transformatsiya jarayonlari, manfaatlar to‘qnashuvini deklaratsiyalash tizimi va sun’iy intellekt texnologiyalarining korrupsiyani oldindan aniqlashdagi o‘rni statistik ma’lumotlar asosida yoritilgan.
References
I. Xalqaro normativ-huquqiy hujjatlar va standartlar
1. United Nations. Convention against Corruption (UNCAC). – New York, 2003.
2. Basel Committee on Banking Supervision. Core Principles for Effective Banking Supervision. – Basel, 2024.
3. Financial Action Task Force. International Standards on Combating Money Laundering and the Financing of Terrorism. – Paris, 2012 (updated 2023).
4. International Organization for Standardization. ISO 37001: Anti-bribery management systems – Requirements with guidance for use. – Geneva, 2025.
5. Organisation for Economic Co-operation and Development. Managing Conflict of Interest in the Public Sector. – Paris, 2005.
II. Ilmiy adabiyotlar
6. Michael C. Jensen, William H. Meckling. Theory of the Firm: Managerial Behavior, Agency Costs and Ownership Structure. – Journal of Financial Economics, 1976.
7. Mark C. Suchman. Managing Legitimacy: Strategic and Institutional Approaches. – Academy of Management Review, 1995.
III. Xalqaro tashkilotlar hisobotlari va tadqiqotlari
8. International Monetary Fund. Governance and Anti-Corruption in the Financial Sector. – IMF Policy Paper, 2024.
9. World Bank. Enhancing Government Effectiveness and Transparency: The Fight Against Corruption. – Washington, 2020.
10. Wolfsberg Group. Anti-Bribery and Corruption Compliance Programme Guidance. – 2023.
