id	sid	tid	token	lemma	pos
egc-294	1	1	eglobal	eglobal	PROPN
egc-294	1	2	congress	congress	PROPN
egc-294	1	3	hosted	host	VERB
egc-294	1	4	online	online	ADV
egc-294	1	5	from	from	ADP
egc-294	1	6	dubai	dubai	PROPN
egc-294	1	7	,	,	PUNCT
egc-294	1	8	u.	u.	PROPN
egc-294	1	9	a.	a.	PROPN
egc-294	1	10	e.	e.	PROPN
egc-294	1	11	,	,	PUNCT
egc-294	1	12	e	e	PROPN
egc-294	1	13	conference	conference	NOUN
egc-294	1	14	.	.	PUNCT
egc-294	2	1	date	date	NOUN
egc-294	2	2	:	:	PUNCT
egc-294	2	3	30th	30th	ADJ
egc-294	2	4	january	january	PROPN
egc-294	2	5	2025	2025	NUM
egc-294	2	6	website	website	NOUN
egc-294	2	7	:	:	PUNCT
egc-294	2	8	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-294	2	9	issn	issn	PROPN
egc-294	2	10	(	(	PUNCT
egc-294	2	11	e	e	NOUN
egc-294	2	12	):	):	PUNCT
egc-294	2	13	2836	2836	NUM
egc-294	2	14	-	-	SYM
egc-294	2	15	3612	3612	NUM
egc-294	2	16	1	1	NUM
egc-294	2	17	|	|	ADV
egc-294	2	18	p	p	X
egc-294	2	19	a	a	DET
egc-294	2	20	g	g	NOUN
egc-294	2	21	e	e	NOUN
egc-294	2	22	methods	method	NOUN
egc-294	2	23	and	and	CCONJ
egc-294	2	24	tools	tool	NOUN
egc-294	2	25	of	of	ADP
egc-294	2	26	credit	credit	NOUN
egc-294	2	27	risk	risk	NOUN
egc-294	2	28	assessment	assessment	NOUN
egc-294	2	29	in	in	ADP
egc-294	2	30	the	the	DET
egc-294	2	31	modern	modern	ADJ
egc-294	2	32	system	system	NOUN
egc-294	2	33	of	of	ADP
egc-294	2	34	risk	risk	NOUN
egc-294	2	35	management	management	NOUN
egc-294	2	36	ochilova	ochilova	VERB
egc-294	2	37	khusniya	khusniya	PROPN
egc-294	2	38	olim	olim	PROPN
egc-294	2	39	kizi	kizi	PROPN
egc-294	2	40	tashkent	tashkent	PROPN
egc-294	2	41	state	state	PROPN
egc-294	2	42	university	university	PROPN
egc-294	2	43	of	of	ADP
egc-294	2	44	economics	economic	NOUN
egc-294	2	45	,	,	PUNCT
egc-294	2	46	master	master	NOUN
egc-294	2	47	degree	degree	NOUN
egc-294	2	48	1	1	NUM
egc-294	2	49	-	-	PUNCT
egc-294	2	50	year	year	NOUN
egc-294	2	51	student	student	NOUN
egc-294	2	52	,	,	PUNCT
egc-294	2	53	e	e	NOUN
egc-294	2	54	-	-	NOUN
egc-294	2	55	mail	mail	NOUN
egc-294	2	56	:	:	PUNCT
egc-294	2	57	achilova.kh1998@gmail.com	achilova.kh1998@gmail.com	X
egc-294	2	58	annotation	annotation	NOUN
egc-294	2	59	this	this	DET
egc-294	2	60	topic	topic	NOUN
egc-294	2	61	explores	explore	VERB
egc-294	2	62	the	the	DET
egc-294	2	63	essential	essential	ADJ
egc-294	2	64	practices	practice	NOUN
egc-294	2	65	and	and	CCONJ
egc-294	2	66	innovations	innovation	NOUN
egc-294	2	67	in	in	ADP
egc-294	2	68	assessing	assess	VERB
egc-294	2	69	credit	credit	NOUN
egc-294	2	70	risk	risk	NOUN
egc-294	2	71	within	within	ADP
egc-294	2	72	contemporary	contemporary	ADJ
egc-294	2	73	risk	risk	NOUN
egc-294	2	74	management	management	NOUN
egc-294	2	75	,	,	PUNCT
egc-294	2	76	with	with	ADP
egc-294	2	77	a	a	DET
egc-294	2	78	particular	particular	ADJ
egc-294	2	79	focus	focus	NOUN
egc-294	2	80	on	on	ADP
egc-294	2	81	financial	financial	ADJ
egc-294	2	82	institutions	institution	NOUN
egc-294	2	83	and	and	CCONJ
egc-294	2	84	markets	market	NOUN
egc-294	2	85	like	like	ADP
egc-294	2	86	uzbekistan	uzbekistan	PROPN
egc-294	2	87	’s	’s	PART
egc-294	2	88	.	.	PUNCT
egc-294	3	1	credit	credit	NOUN
egc-294	3	2	risk	risk	NOUN
egc-294	3	3	assessment	assessment	NOUN
egc-294	3	4	is	be	AUX
egc-294	3	5	central	central	ADJ
egc-294	3	6	to	to	ADP
egc-294	3	7	determining	determine	VERB
egc-294	3	8	a	a	DET
egc-294	3	9	borrower	borrower	NOUN
egc-294	3	10	’s	’s	PART
egc-294	3	11	likelihood	likelihood	NOUN
egc-294	3	12	of	of	ADP
egc-294	3	13	default	default	NOUN
egc-294	3	14	and	and	CCONJ
egc-294	3	15	mitigating	mitigate	VERB
egc-294	3	16	potential	potential	ADJ
egc-294	3	17	financial	financial	ADJ
egc-294	3	18	losses	loss	NOUN
egc-294	3	19	.	.	PUNCT
egc-294	4	1	modern	modern	ADJ
egc-294	4	2	approaches	approach	NOUN
egc-294	4	3	leverage	leverage	VERB
egc-294	4	4	a	a	DET
egc-294	4	5	mix	mix	NOUN
egc-294	4	6	of	of	ADP
egc-294	4	7	quantitative	quantitative	ADJ
egc-294	4	8	and	and	CCONJ
egc-294	4	9	qualitative	qualitative	ADJ
egc-294	4	10	tools	tool	NOUN
egc-294	4	11	,	,	PUNCT
egc-294	4	12	including	include	VERB
egc-294	4	13	statistical	statistical	ADJ
egc-294	4	14	modeling	modeling	NOUN
egc-294	4	15	,	,	PUNCT
egc-294	4	16	machine	machine	NOUN
egc-294	4	17	learning	learning	NOUN
egc-294	4	18	,	,	PUNCT
egc-294	4	19	and	and	CCONJ
egc-294	4	20	credit	credit	NOUN
egc-294	4	21	scoring	scoring	NOUN
egc-294	4	22	systems	system	NOUN
egc-294	4	23	,	,	PUNCT
egc-294	4	24	combined	combine	VERB
egc-294	4	25	with	with	ADP
egc-294	4	26	more	more	ADV
egc-294	4	27	traditional	traditional	ADJ
egc-294	4	28	evaluations	evaluation	NOUN
egc-294	4	29	like	like	ADP
egc-294	4	30	industry	industry	NOUN
egc-294	4	31	analysis	analysis	NOUN
egc-294	4	32	and	and	CCONJ
egc-294	4	33	borrower	borrower	NOUN
egc-294	4	34	interviews	interview	NOUN
egc-294	4	35	.	.	PUNCT
egc-294	5	1	these	these	DET
egc-294	5	2	methods	method	NOUN
egc-294	5	3	improve	improve	VERB
egc-294	5	4	decisionmaking	decisionmake	VERB
egc-294	5	5	,	,	PUNCT
egc-294	5	6	operational	operational	ADJ
egc-294	5	7	efficiency	efficiency	NOUN
egc-294	5	8	,	,	PUNCT
egc-294	5	9	and	and	CCONJ
egc-294	5	10	the	the	DET
egc-294	5	11	precision	precision	NOUN
egc-294	5	12	of	of	ADP
egc-294	5	13	risk	risk	NOUN
egc-294	5	14	evaluations.in	evaluations.in	ADP
egc-294	5	15	the	the	DET
egc-294	5	16	context	context	NOUN
egc-294	5	17	of	of	ADP
egc-294	5	18	uzbekistan	uzbekistan	PROPN
egc-294	5	19	,	,	PUNCT
egc-294	5	20	where	where	SCONJ
egc-294	5	21	economic	economic	ADJ
egc-294	5	22	reforms	reform	NOUN
egc-294	5	23	aim	aim	VERB
egc-294	5	24	to	to	PART
egc-294	5	25	strengthen	strengthen	VERB
egc-294	5	26	the	the	DET
egc-294	5	27	financial	financial	ADJ
egc-294	5	28	sector	sector	NOUN
egc-294	5	29	,	,	PUNCT
egc-294	5	30	credit	credit	NOUN
egc-294	5	31	risk	risk	NOUN
egc-294	5	32	assessment	assessment	NOUN
egc-294	5	33	has	have	VERB
egc-294	5	34	a	a	DET
egc-294	5	35	strategic	strategic	ADJ
egc-294	5	36	importance	importance	NOUN
egc-294	5	37	aligned	align	VERB
egc-294	5	38	with	with	ADP
egc-294	5	39	national	national	ADJ
egc-294	5	40	goals	goal	NOUN
egc-294	5	41	,	,	PUNCT
egc-294	5	42	such	such	ADJ
egc-294	5	43	as	as	ADP
egc-294	5	44	those	those	PRON
egc-294	5	45	in	in	ADP
egc-294	5	46	the	the	DET
egc-294	5	47	uzbekistan	uzbekistan	PROPN
egc-294	5	48	2030	2030	NUM
egc-294	5	49	strategy	strategy	NOUN
egc-294	5	50	.	.	PUNCT
egc-294	6	1	regulatory	regulatory	ADJ
egc-294	6	2	compliance	compliance	NOUN
egc-294	6	3	,	,	PUNCT
egc-294	6	4	coupled	couple	VERB
egc-294	6	5	with	with	ADP
egc-294	6	6	these	these	DET
egc-294	6	7	advanced	advanced	ADJ
egc-294	6	8	tools	tool	NOUN
egc-294	6	9	,	,	PUNCT
egc-294	6	10	helps	help	VERB
egc-294	6	11	foster	foster	VERB
egc-294	6	12	a	a	DET
egc-294	6	13	more	more	ADV
egc-294	6	14	resilient	resilient	ADJ
egc-294	6	15	financial	financial	ADJ
egc-294	6	16	environment	environment	NOUN
egc-294	6	17	,	,	PUNCT
egc-294	6	18	supportive	supportive	ADJ
egc-294	6	19	of	of	ADP
egc-294	6	20	sustainable	sustainable	ADJ
egc-294	6	21	growth	growth	NOUN
egc-294	6	22	and	and	CCONJ
egc-294	6	23	financial	financial	ADJ
egc-294	6	24	inclusion	inclusion	NOUN
egc-294	6	25	.	.	PUNCT
egc-294	7	1	however	however	ADV
egc-294	7	2	,	,	PUNCT
egc-294	7	3	the	the	DET
egc-294	7	4	topic	topic	NOUN
egc-294	7	5	also	also	ADV
egc-294	7	6	highlights	highlight	VERB
egc-294	7	7	challenges	challenge	NOUN
egc-294	7	8	and	and	CCONJ
egc-294	7	9	criticisms	criticism	NOUN
egc-294	7	10	,	,	PUNCT
egc-294	7	11	such	such	ADJ
egc-294	7	12	as	as	ADP
egc-294	7	13	the	the	DET
egc-294	7	14	risks	risk	NOUN
egc-294	7	15	of	of	ADP
egc-294	7	16	overreliance	overreliance	NOUN
egc-294	7	17	on	on	ADP
egc-294	7	18	technology	technology	NOUN
egc-294	7	19	and	and	CCONJ
egc-294	7	20	the	the	DET
egc-294	7	21	need	need	NOUN
egc-294	7	22	for	for	ADP
egc-294	7	23	balanced	balanced	ADJ
egc-294	7	24	human	human	ADJ
egc-294	7	25	judgment	judgment	NOUN
egc-294	7	26	.	.	PUNCT
egc-294	8	1	in	in	ADP
egc-294	8	2	emerging	emerge	VERB
egc-294	8	3	markets	market	NOUN
egc-294	8	4	,	,	PUNCT
egc-294	8	5	data	datum	NOUN
egc-294	8	6	limitations	limitation	NOUN
egc-294	8	7	or	or	CCONJ
egc-294	8	8	biases	bias	NOUN
egc-294	8	9	in	in	ADP
egc-294	8	10	algorithms	algorithm	NOUN
egc-294	8	11	can	can	AUX
egc-294	8	12	compromise	compromise	VERB
egc-294	8	13	the	the	DET
egc-294	8	14	accuracy	accuracy	NOUN
egc-294	8	15	of	of	ADP
egc-294	8	16	risk	risk	NOUN
egc-294	8	17	models	model	NOUN
egc-294	8	18	,	,	PUNCT
egc-294	8	19	emphasizing	emphasize	VERB
egc-294	8	20	the	the	DET
egc-294	8	21	importance	importance	NOUN
egc-294	8	22	of	of	ADP
egc-294	8	23	combining	combine	VERB
egc-294	8	24	advanced	advanced	ADJ
egc-294	8	25	tools	tool	NOUN
egc-294	8	26	with	with	ADP
egc-294	8	27	local	local	ADJ
egc-294	8	28	knowledge	knowledge	NOUN
egc-294	8	29	and	and	CCONJ
egc-294	8	30	traditional	traditional	ADJ
egc-294	8	31	assessments	assessment	NOUN
egc-294	8	32	.	.	PUNCT
egc-294	9	1	overall	overall	ADV
egc-294	9	2	,	,	PUNCT
egc-294	9	3	this	this	DET
egc-294	9	4	topic	topic	NOUN
egc-294	9	5	underscores	underscore	VERB
egc-294	9	6	the	the	DET
egc-294	9	7	vital	vital	ADJ
egc-294	9	8	role	role	NOUN
egc-294	9	9	of	of	ADP
egc-294	9	10	effective	effective	ADJ
egc-294	9	11	credit	credit	NOUN
egc-294	9	12	risk	risk	NOUN
egc-294	9	13	assessment	assessment	NOUN
egc-294	9	14	in	in	ADP
egc-294	9	15	building	build	VERB
egc-294	9	16	a	a	DET
egc-294	9	17	stable	stable	ADJ
egc-294	9	18	financial	financial	ADJ
egc-294	9	19	system	system	NOUN
egc-294	9	20	that	that	PRON
egc-294	9	21	can	can	AUX
egc-294	9	22	adapt	adapt	VERB
egc-294	9	23	to	to	ADP
egc-294	9	24	new	new	ADJ
egc-294	9	25	risks	risk	NOUN
egc-294	9	26	and	and	CCONJ
egc-294	9	27	support	support	VERB
egc-294	9	28	economic	economic	ADJ
egc-294	9	29	development	development	NOUN
egc-294	9	30	.	.	PUNCT
egc-294	10	1	keywords	keyword	NOUN
egc-294	10	2	:	:	PUNCT
egc-294	10	3	credit	credit	NOUN
egc-294	10	4	risk	risk	NOUN
egc-294	10	5	assessment	assessment	NOUN
egc-294	10	6	,	,	PUNCT
egc-294	10	7	risk	risk	NOUN
egc-294	10	8	management	management	NOUN
egc-294	10	9	,	,	PUNCT
egc-294	10	10	financial	financial	ADJ
egc-294	10	11	institutions	institution	NOUN
egc-294	10	12	,	,	PUNCT
egc-294	10	13	qualitative	qualitative	ADJ
egc-294	10	14	tools	tool	NOUN
egc-294	10	15	,	,	PUNCT
egc-294	10	16	uzbekistan	uzbekistan	PROPN
egc-294	10	17	2030	2030	NUM
egc-294	10	18	strategy	strategy	NOUN
egc-294	10	19	,	,	PUNCT
egc-294	10	20	machine	machine	NOUN
egc-294	10	21	learning	learning	NOUN
egc-294	10	22	in	in	ADP
egc-294	10	23	finance	finance	NOUN
egc-294	10	24	,	,	PUNCT
egc-294	10	25	credit	credit	NOUN
egc-294	10	26	scoring	scoring	NOUN
egc-294	10	27	models	model	NOUN
egc-294	10	28	,	,	PUNCT
egc-294	10	29	regulatory	regulatory	ADJ
egc-294	10	30	compliance	compliance	NOUN
egc-294	10	31	,	,	PUNCT
egc-294	10	32	financial	financial	ADJ
egc-294	10	33	stability	stability	NOUN
egc-294	10	34	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	ADJ
egc-294	10	35	mailto:achilova.kh1998@gmail.com	mailto:achilova.kh1998@gmail.com	PROPN
egc-294	10	36	eglobal	eglobal	PROPN
egc-294	10	37	congress	congress	PROPN
egc-294	10	38	hosted	host	VERB
egc-294	10	39	online	online	ADV
egc-294	10	40	from	from	ADP
egc-294	10	41	dubai	dubai	PROPN
egc-294	10	42	,	,	PUNCT
egc-294	10	43	u.	u.	PROPN
egc-294	10	44	a.	a.	PROPN
egc-294	10	45	e.	e.	PROPN
egc-294	10	46	,	,	PUNCT
egc-294	10	47	e	e	PROPN
egc-294	10	48	conference	conference	NOUN
egc-294	10	49	.	.	PUNCT
egc-294	11	1	date	date	NOUN
egc-294	11	2	:	:	PUNCT
egc-294	11	3	30th	30th	ADJ
egc-294	11	4	january	january	PROPN
egc-294	11	5	2025	2025	NUM
egc-294	11	6	website	website	NOUN
egc-294	11	7	:	:	PUNCT
egc-294	11	8	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-294	11	9	issn	issn	PROPN
egc-294	11	10	(	(	PUNCT
egc-294	11	11	e	e	NOUN
egc-294	11	12	):	):	PUNCT
egc-294	11	13	2836	2836	NUM
egc-294	11	14	-	-	SYM
egc-294	11	15	3612	3612	NUM
egc-294	11	16	2	2	NUM
egc-294	11	17	|	|	ADV
egc-294	11	18	p	p	X
egc-294	11	19	a	a	DET
egc-294	11	20	g	g	NOUN
egc-294	11	21	e	e	NOUN
egc-294	11	22	introduction	introduction	NOUN
egc-294	11	23	in	in	ADP
egc-294	11	24	today	today	NOUN
egc-294	11	25	’s	’s	PART
egc-294	11	26	dynamic	dynamic	ADJ
egc-294	11	27	financial	financial	ADJ
egc-294	11	28	landscape	landscape	NOUN
egc-294	11	29	,	,	PUNCT
egc-294	11	30	effective	effective	ADJ
egc-294	11	31	credit	credit	NOUN
egc-294	11	32	risk	risk	NOUN
egc-294	11	33	assessment	assessment	NOUN
egc-294	11	34	is	be	AUX
egc-294	11	35	a	a	DET
egc-294	11	36	critical	critical	ADJ
egc-294	11	37	component	component	NOUN
egc-294	11	38	of	of	ADP
egc-294	11	39	risk	risk	NOUN
egc-294	11	40	management	management	NOUN
egc-294	11	41	,	,	PUNCT
egc-294	11	42	allowing	allow	VERB
egc-294	11	43	institutions	institution	NOUN
egc-294	11	44	to	to	PART
egc-294	11	45	safeguard	safeguard	VERB
egc-294	11	46	against	against	ADP
egc-294	11	47	potential	potential	ADJ
egc-294	11	48	losses	loss	NOUN
egc-294	11	49	while	while	SCONJ
egc-294	11	50	promoting	promote	VERB
egc-294	11	51	economic	economic	ADJ
egc-294	11	52	growth	growth	NOUN
egc-294	11	53	.	.	PUNCT
egc-294	12	1	credit	credit	NOUN
egc-294	12	2	risk	risk	NOUN
egc-294	12	3	,	,	PUNCT
egc-294	12	4	the	the	DET
egc-294	12	5	possibility	possibility	NOUN
egc-294	12	6	that	that	SCONJ
egc-294	12	7	a	a	DET
egc-294	12	8	borrower	borrower	NOUN
egc-294	12	9	will	will	AUX
egc-294	12	10	fail	fail	VERB
egc-294	12	11	to	to	PART
egc-294	12	12	meet	meet	VERB
egc-294	12	13	financial	financial	ADJ
egc-294	12	14	obligations	obligation	NOUN
egc-294	12	15	,	,	PUNCT
egc-294	12	16	poses	pose	VERB
egc-294	12	17	significant	significant	ADJ
egc-294	12	18	challenges	challenge	NOUN
egc-294	12	19	for	for	ADP
egc-294	12	20	banks	bank	NOUN
egc-294	12	21	and	and	CCONJ
egc-294	12	22	financial	financial	ADJ
egc-294	12	23	institutions	institution	NOUN
egc-294	12	24	.	.	PUNCT
egc-294	13	1	this	this	DET
egc-294	13	2	risk	risk	NOUN
egc-294	13	3	has	have	AUX
egc-294	13	4	become	become	VERB
egc-294	13	5	increasingly	increasingly	ADV
egc-294	13	6	complex	complex	ADJ
egc-294	13	7	with	with	ADP
egc-294	13	8	the	the	DET
egc-294	13	9	rapid	rapid	ADJ
egc-294	13	10	evolution	evolution	NOUN
egc-294	13	11	of	of	ADP
egc-294	13	12	financial	financial	ADJ
egc-294	13	13	products	product	NOUN
egc-294	13	14	,	,	PUNCT
egc-294	13	15	technological	technological	ADJ
egc-294	13	16	advancements	advancement	NOUN
egc-294	13	17	,	,	PUNCT
egc-294	13	18	and	and	CCONJ
egc-294	13	19	regulatory	regulatory	ADJ
egc-294	13	20	expectations	expectation	NOUN
egc-294	13	21	.	.	PUNCT
egc-294	14	1	modern	modern	ADJ
egc-294	14	2	methods	method	NOUN
egc-294	14	3	of	of	ADP
egc-294	14	4	credit	credit	NOUN
egc-294	14	5	risk	risk	NOUN
egc-294	14	6	assessment	assessment	NOUN
egc-294	14	7	combine	combine	VERB
egc-294	14	8	quantitative	quantitative	ADJ
egc-294	14	9	tools	tool	NOUN
egc-294	14	10	,	,	PUNCT
egc-294	14	11	such	such	ADJ
egc-294	14	12	as	as	ADP
egc-294	14	13	statistical	statistical	ADJ
egc-294	14	14	modeling	modeling	NOUN
egc-294	14	15	and	and	CCONJ
egc-294	14	16	machine	machine	NOUN
egc-294	14	17	learning	learning	NOUN
egc-294	14	18	algorithms	algorithm	NOUN
egc-294	14	19	,	,	PUNCT
egc-294	14	20	with	with	ADP
egc-294	14	21	qualitative	qualitative	ADJ
egc-294	14	22	evaluations	evaluation	NOUN
egc-294	14	23	like	like	ADP
egc-294	14	24	borrower	borrower	NOUN
egc-294	14	25	interviews	interview	NOUN
egc-294	14	26	and	and	CCONJ
egc-294	14	27	industry	industry	NOUN
egc-294	14	28	analysis	analysis	NOUN
egc-294	14	29	.	.	PUNCT
egc-294	15	1	these	these	DET
egc-294	15	2	advanced	advanced	ADJ
egc-294	15	3	tools	tool	NOUN
egc-294	15	4	enable	enable	VERB
egc-294	15	5	institutions	institution	NOUN
egc-294	15	6	to	to	PART
egc-294	15	7	analyze	analyze	VERB
egc-294	15	8	vast	vast	ADJ
egc-294	15	9	amounts	amount	NOUN
egc-294	15	10	of	of	ADP
egc-294	15	11	data	datum	NOUN
egc-294	15	12	accurately	accurately	ADV
egc-294	15	13	and	and	CCONJ
egc-294	15	14	efficiently	efficiently	ADV
egc-294	15	15	,	,	PUNCT
egc-294	15	16	enhancing	enhance	VERB
egc-294	15	17	their	their	PRON
egc-294	15	18	ability	ability	NOUN
egc-294	15	19	to	to	PART
egc-294	15	20	predict	predict	VERB
egc-294	15	21	and	and	CCONJ
egc-294	15	22	respond	respond	VERB
egc-294	15	23	to	to	ADP
egc-294	15	24	credit	credit	NOUN
egc-294	15	25	risk	risk	NOUN
egc-294	15	26	.	.	PUNCT
egc-294	16	1	in	in	ADP
egc-294	16	2	the	the	DET
egc-294	16	3	context	context	NOUN
egc-294	16	4	of	of	ADP
egc-294	16	5	uzbekistan	uzbekistan	PROPN
egc-294	16	6	,	,	PUNCT
egc-294	16	7	where	where	SCONJ
egc-294	16	8	the	the	DET
egc-294	16	9	financial	financial	ADJ
egc-294	16	10	sector	sector	NOUN
egc-294	16	11	is	be	AUX
egc-294	16	12	growing	grow	VERB
egc-294	16	13	and	and	CCONJ
egc-294	16	14	aligning	align	VERB
egc-294	16	15	with	with	ADP
egc-294	16	16	strategic	strategic	ADJ
egc-294	16	17	goals	goal	NOUN
egc-294	16	18	like	like	ADP
egc-294	16	19	the	the	DET
egc-294	16	20	uzbekistan	uzbekistan	PROPN
egc-294	16	21	2030	2030	NUM
egc-294	16	22	strategy	strategy	NOUN
egc-294	16	23	,	,	PUNCT
egc-294	16	24	credit	credit	NOUN
egc-294	16	25	risk	risk	NOUN
egc-294	16	26	assessment	assessment	NOUN
egc-294	16	27	takes	take	VERB
egc-294	16	28	on	on	ADP
egc-294	16	29	added	add	VERB
egc-294	16	30	significance	significance	NOUN
egc-294	16	31	.	.	PUNCT
egc-294	17	1	by	by	ADP
egc-294	17	2	adopting	adopt	VERB
egc-294	17	3	modern	modern	ADJ
egc-294	17	4	assessment	assessment	NOUN
egc-294	17	5	methods	method	NOUN
egc-294	17	6	and	and	CCONJ
egc-294	17	7	ensuring	ensure	VERB
egc-294	17	8	compliance	compliance	NOUN
egc-294	17	9	with	with	ADP
egc-294	17	10	national	national	ADJ
egc-294	17	11	policies	policy	NOUN
egc-294	17	12	,	,	PUNCT
egc-294	17	13	uzbek	uzbek	ADJ
egc-294	17	14	financial	financial	ADJ
egc-294	17	15	institutions	institution	NOUN
egc-294	17	16	can	can	AUX
egc-294	17	17	contribute	contribute	VERB
egc-294	17	18	to	to	ADP
egc-294	17	19	a	a	DET
egc-294	17	20	resilient	resilient	ADJ
egc-294	17	21	,	,	PUNCT
egc-294	17	22	inclusive	inclusive	ADJ
egc-294	17	23	financial	financial	ADJ
egc-294	17	24	system	system	NOUN
egc-294	17	25	that	that	PRON
egc-294	17	26	supports	support	VERB
egc-294	17	27	sustainable	sustainable	ADJ
egc-294	17	28	economic	economic	ADJ
egc-294	17	29	development	development	NOUN
egc-294	17	30	.	.	PUNCT
egc-294	18	1	however	however	ADV
egc-294	18	2	,	,	PUNCT
egc-294	18	3	there	there	PRON
egc-294	18	4	are	be	VERB
egc-294	18	5	also	also	ADV
egc-294	18	6	concerns	concern	NOUN
egc-294	18	7	about	about	ADP
egc-294	18	8	potential	potential	ADJ
egc-294	18	9	overreliance	overreliance	NOUN
egc-294	18	10	on	on	ADP
egc-294	18	11	technology	technology	NOUN
egc-294	18	12	,	,	PUNCT
egc-294	18	13	data	datum	NOUN
egc-294	18	14	quality	quality	NOUN
egc-294	18	15	limitations	limitation	NOUN
egc-294	18	16	,	,	PUNCT
egc-294	18	17	and	and	CCONJ
egc-294	18	18	the	the	DET
egc-294	18	19	high	high	ADJ
egc-294	18	20	costs	cost	NOUN
egc-294	18	21	associated	associate	VERB
egc-294	18	22	with	with	ADP
egc-294	18	23	these	these	DET
egc-294	18	24	tools	tool	NOUN
egc-294	18	25	,	,	PUNCT
egc-294	18	26	highlighting	highlight	VERB
egc-294	18	27	the	the	DET
egc-294	18	28	need	need	NOUN
egc-294	18	29	for	for	ADP
egc-294	18	30	a	a	DET
egc-294	18	31	balanced	balanced	ADJ
egc-294	18	32	approach	approach	NOUN
egc-294	18	33	that	that	PRON
egc-294	18	34	incorporates	incorporate	VERB
egc-294	18	35	human	human	ADJ
egc-294	18	36	judgment.this	judgment.this	PROPN
egc-294	18	37	study	study	NOUN
egc-294	18	38	examines	examine	VERB
egc-294	18	39	the	the	DET
egc-294	18	40	methods	method	NOUN
egc-294	18	41	and	and	CCONJ
egc-294	18	42	tools	tool	NOUN
egc-294	18	43	of	of	ADP
egc-294	18	44	credit	credit	NOUN
egc-294	18	45	risk	risk	NOUN
egc-294	18	46	assessment	assessment	NOUN
egc-294	18	47	within	within	ADP
egc-294	18	48	the	the	DET
egc-294	18	49	modern	modern	ADJ
egc-294	18	50	system	system	NOUN
egc-294	18	51	of	of	ADP
egc-294	18	52	risk	risk	NOUN
egc-294	18	53	management	management	NOUN
egc-294	18	54	,	,	PUNCT
egc-294	18	55	focusing	focus	VERB
egc-294	18	56	on	on	ADP
egc-294	18	57	uzbekistan	uzbekistan	PROPN
egc-294	18	58	’s	’s	PART
egc-294	18	59	financial	financial	ADJ
egc-294	18	60	market	market	NOUN
egc-294	18	61	.	.	PUNCT
egc-294	19	1	it	it	PRON
egc-294	19	2	seeks	seek	VERB
egc-294	19	3	to	to	PART
egc-294	19	4	provide	provide	VERB
egc-294	19	5	insights	insight	NOUN
egc-294	19	6	into	into	ADP
egc-294	19	7	the	the	DET
egc-294	19	8	role	role	NOUN
egc-294	19	9	of	of	ADP
egc-294	19	10	these	these	DET
egc-294	19	11	practices	practice	NOUN
egc-294	19	12	in	in	ADP
egc-294	19	13	fostering	foster	VERB
egc-294	19	14	a	a	DET
egc-294	19	15	stable	stable	ADJ
egc-294	19	16	financial	financial	ADJ
egc-294	19	17	environment	environment	NOUN
egc-294	19	18	that	that	PRON
egc-294	19	19	can	can	AUX
egc-294	19	20	adapt	adapt	VERB
egc-294	19	21	to	to	ADP
egc-294	19	22	changing	change	VERB
egc-294	19	23	risks	risk	NOUN
egc-294	19	24	and	and	CCONJ
egc-294	19	25	support	support	VERB
egc-294	19	26	national	national	ADJ
egc-294	19	27	economic	economic	ADJ
egc-294	19	28	objectives	objective	NOUN
egc-294	19	29	.	.	PUNCT
egc-294	20	1	analyze	analyze	VERB
egc-294	20	2	the	the	DET
egc-294	20	3	practice	practice	NOUN
egc-294	20	4	of	of	ADP
egc-294	20	5	credit	credit	NOUN
egc-294	20	6	risk	risk	NOUN
egc-294	20	7	assessment	assessment	NOUN
egc-294	20	8	plays	play	VERB
egc-294	20	9	a	a	DET
egc-294	20	10	pivotal	pivotal	ADJ
egc-294	20	11	role	role	NOUN
egc-294	20	12	in	in	ADP
egc-294	20	13	modern	modern	ADJ
egc-294	20	14	financial	financial	ADJ
egc-294	20	15	risk	risk	NOUN
egc-294	20	16	management	management	NOUN
egc-294	20	17	.	.	PUNCT
egc-294	21	1	credit	credit	NOUN
egc-294	21	2	risk	risk	NOUN
egc-294	21	3	,	,	PUNCT
egc-294	21	4	which	which	PRON
egc-294	21	5	refers	refer	VERB
egc-294	21	6	to	to	ADP
egc-294	21	7	the	the	DET
egc-294	21	8	likelihood	likelihood	NOUN
egc-294	21	9	that	that	SCONJ
egc-294	21	10	a	a	DET
egc-294	21	11	borrower	borrower	NOUN
egc-294	21	12	will	will	AUX
egc-294	21	13	default	default	VERB
egc-294	21	14	on	on	ADP
egc-294	21	15	their	their	PRON
egc-294	21	16	obligations	obligation	NOUN
egc-294	21	17	,	,	PUNCT
egc-294	21	18	is	be	AUX
egc-294	21	19	an	an	DET
egc-294	21	20	inherent	inherent	ADJ
egc-294	21	21	challenge	challenge	NOUN
egc-294	21	22	that	that	SCONJ
egc-294	21	23	financial	financial	ADJ
egc-294	21	24	institutions	institution	NOUN
egc-294	21	25	must	must	AUX
egc-294	21	26	continuously	continuously	ADV
egc-294	21	27	address	address	VERB
egc-294	21	28	.	.	PUNCT
egc-294	22	1	as	as	SCONJ
egc-294	22	2	global	global	ADJ
egc-294	22	3	financial	financial	ADJ
egc-294	22	4	markets	market	NOUN
egc-294	22	5	evolve	evolve	VERB
egc-294	22	6	and	and	CCONJ
egc-294	22	7	economies	economy	NOUN
egc-294	22	8	undergo	undergo	VERB
egc-294	22	9	reforms	reform	NOUN
egc-294	22	10	,	,	PUNCT
egc-294	22	11	including	include	VERB
egc-294	22	12	those	those	PRON
egc-294	22	13	in	in	ADP
egc-294	22	14	uzbekistan	uzbekistan	PROPN
egc-294	22	15	,	,	PUNCT
egc-294	22	16	the	the	DET
egc-294	22	17	need	need	NOUN
egc-294	22	18	for	for	ADP
egc-294	22	19	advanced	advanced	ADJ
egc-294	22	20	,	,	PUNCT
egc-294	22	21	accurate	accurate	ADJ
egc-294	22	22	,	,	PUNCT
egc-294	22	23	and	and	CCONJ
egc-294	22	24	adaptable	adaptable	ADJ
egc-294	22	25	risk	risk	NOUN
egc-294	22	26	assessment	assessment	NOUN
egc-294	22	27	tools	tool	NOUN
egc-294	22	28	becomes	become	VERB
egc-294	22	29	even	even	ADV
egc-294	22	30	more	more	ADJ
egc-294	22	31	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	ADJ
egc-294	22	32	eglobal	eglobal	PROPN
egc-294	22	33	congress	congress	PROPN
egc-294	22	34	hosted	host	VERB
egc-294	22	35	online	online	ADV
egc-294	22	36	from	from	ADP
egc-294	22	37	dubai	dubai	PROPN
egc-294	22	38	,	,	PUNCT
egc-294	22	39	u.	u.	PROPN
egc-294	22	40	a.	a.	PROPN
egc-294	22	41	e.	e.	PROPN
egc-294	22	42	,	,	PUNCT
egc-294	22	43	e	e	PROPN
egc-294	22	44	conference	conference	NOUN
egc-294	22	45	.	.	PUNCT
egc-294	23	1	date	date	NOUN
egc-294	23	2	:	:	PUNCT
egc-294	23	3	30th	30th	ADJ
egc-294	23	4	january	january	PROPN
egc-294	23	5	2025	2025	NUM
egc-294	23	6	website	website	NOUN
egc-294	23	7	:	:	PUNCT
egc-294	23	8	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-294	23	9	issn	issn	PROPN
egc-294	23	10	(	(	PUNCT
egc-294	23	11	e	e	NOUN
egc-294	23	12	):	):	PUNCT
egc-294	23	13	2836	2836	NUM
egc-294	23	14	-	-	SYM
egc-294	23	15	3612	3612	NUM
egc-294	23	16	3	3	NUM
egc-294	23	17	|	|	ADV
egc-294	23	18	p	p	X
egc-294	23	19	a	a	DET
egc-294	23	20	g	g	NOUN
egc-294	23	21	e	e	NOUN
egc-294	23	22	critical	critical	ADJ
egc-294	23	23	.	.	PUNCT
egc-294	24	1	this	this	DET
egc-294	24	2	analysis	analysis	NOUN
egc-294	24	3	explores	explore	VERB
egc-294	24	4	the	the	DET
egc-294	24	5	current	current	ADJ
egc-294	24	6	methods	method	NOUN
egc-294	24	7	of	of	ADP
egc-294	24	8	credit	credit	NOUN
egc-294	24	9	risk	risk	NOUN
egc-294	24	10	assessment	assessment	NOUN
egc-294	24	11	,	,	PUNCT
egc-294	24	12	their	their	PRON
egc-294	24	13	advantages	advantage	NOUN
egc-294	24	14	,	,	PUNCT
egc-294	24	15	challenges	challenge	NOUN
egc-294	24	16	,	,	PUNCT
egc-294	24	17	and	and	CCONJ
egc-294	24	18	relevance	relevance	NOUN
egc-294	24	19	to	to	ADP
egc-294	24	20	uzbekistan	uzbekistan	PROPN
egc-294	24	21	’s	’s	PART
egc-294	24	22	financial	financial	ADJ
egc-294	24	23	market	market	NOUN
egc-294	24	24	,	,	PUNCT
egc-294	24	25	which	which	PRON
egc-294	24	26	is	be	AUX
egc-294	24	27	undergoing	undergo	VERB
egc-294	24	28	significant	significant	ADJ
egc-294	24	29	modernization	modernization	NOUN
egc-294	24	30	aligned	align	VERB
egc-294	24	31	with	with	ADP
egc-294	24	32	national	national	ADJ
egc-294	24	33	development	development	NOUN
egc-294	24	34	goals	goal	NOUN
egc-294	24	35	.	.	PUNCT
egc-294	25	1	credit	credit	NOUN
egc-294	25	2	risk	risk	NOUN
egc-294	25	3	assessment	assessment	NOUN
egc-294	25	4	is	be	AUX
egc-294	25	5	a	a	DET
egc-294	25	6	dynamic	dynamic	ADJ
egc-294	25	7	and	and	CCONJ
egc-294	25	8	multifaceted	multifaceted	ADJ
egc-294	25	9	process	process	NOUN
egc-294	25	10	that	that	PRON
egc-294	25	11	requires	require	VERB
egc-294	25	12	a	a	DET
egc-294	25	13	balance	balance	NOUN
egc-294	25	14	of	of	ADP
egc-294	25	15	advanced	advanced	ADJ
egc-294	25	16	technological	technological	ADJ
egc-294	25	17	tools	tool	NOUN
egc-294	25	18	,	,	PUNCT
egc-294	25	19	human	human	ADJ
egc-294	25	20	expertise	expertise	NOUN
egc-294	25	21	,	,	PUNCT
egc-294	25	22	and	and	CCONJ
egc-294	25	23	regulatory	regulatory	ADJ
egc-294	25	24	compliance	compliance	NOUN
egc-294	25	25	.	.	PUNCT
egc-294	26	1	in	in	ADP
egc-294	26	2	uzbekistan	uzbekistan	PROPN
egc-294	26	3	,	,	PUNCT
egc-294	26	4	as	as	SCONJ
egc-294	26	5	the	the	DET
egc-294	26	6	financial	financial	ADJ
egc-294	26	7	sector	sector	NOUN
egc-294	26	8	grows	grow	VERB
egc-294	26	9	and	and	CCONJ
egc-294	26	10	integrates	integrate	NOUN
egc-294	26	11	with	with	ADP
egc-294	26	12	global	global	ADJ
egc-294	26	13	markets	market	NOUN
egc-294	26	14	,	,	PUNCT
egc-294	26	15	the	the	DET
egc-294	26	16	adoption	adoption	NOUN
egc-294	26	17	of	of	ADP
egc-294	26	18	sophisticated	sophisticated	ADJ
egc-294	26	19	risk	risk	NOUN
egc-294	26	20	assessment	assessment	NOUN
egc-294	26	21	methods	method	NOUN
egc-294	26	22	will	will	AUX
egc-294	26	23	play	play	VERB
egc-294	26	24	a	a	DET
egc-294	26	25	critical	critical	ADJ
egc-294	26	26	role	role	NOUN
egc-294	26	27	in	in	ADP
egc-294	26	28	ensuring	ensure	VERB
egc-294	26	29	stability	stability	NOUN
egc-294	26	30	,	,	PUNCT
egc-294	26	31	fostering	foster	VERB
egc-294	26	32	financial	financial	ADJ
egc-294	26	33	inclusion	inclusion	NOUN
egc-294	26	34	,	,	PUNCT
egc-294	26	35	and	and	CCONJ
egc-294	26	36	achieving	achieve	VERB
egc-294	26	37	the	the	DET
egc-294	26	38	goals	goal	NOUN
egc-294	26	39	set	set	VERB
egc-294	26	40	out	out	ADP
egc-294	26	41	in	in	ADP
egc-294	26	42	the	the	DET
egc-294	26	43	uzbekistan	uzbekistan	PROPN
egc-294	26	44	2030	2030	NUM
egc-294	26	45	strategy	strategy	NOUN
egc-294	26	46	.	.	PUNCT
egc-294	27	1	however	however	ADV
egc-294	27	2	,	,	PUNCT
egc-294	27	3	these	these	DET
egc-294	27	4	tools	tool	NOUN
egc-294	27	5	must	must	AUX
egc-294	27	6	be	be	AUX
egc-294	27	7	used	use	VERB
egc-294	27	8	judiciously	judiciously	ADV
egc-294	27	9	,	,	PUNCT
egc-294	27	10	with	with	ADP
egc-294	27	11	a	a	DET
egc-294	27	12	clear	clear	ADJ
egc-294	27	13	understanding	understanding	NOUN
egc-294	27	14	of	of	ADP
egc-294	27	15	their	their	PRON
egc-294	27	16	limitations	limitation	NOUN
egc-294	27	17	and	and	CCONJ
egc-294	27	18	potential	potential	ADJ
egc-294	27	19	risks	risk	NOUN
egc-294	27	20	,	,	PUNCT
egc-294	27	21	particularly	particularly	ADV
egc-294	27	22	concerning	concern	VERB
egc-294	27	23	data	datum	NOUN
egc-294	27	24	quality	quality	NOUN
egc-294	27	25	,	,	PUNCT
egc-294	27	26	algorithmic	algorithmic	ADJ
egc-294	27	27	bias	bias	NOUN
egc-294	27	28	,	,	PUNCT
egc-294	27	29	and	and	CCONJ
egc-294	27	30	transparency	transparency	NOUN
egc-294	27	31	.	.	PUNCT
egc-294	28	1	a	a	DET
egc-294	28	2	well	well	ADV
egc-294	28	3	-	-	PUNCT
egc-294	28	4	rounded	rounded	ADJ
egc-294	28	5	approach	approach	NOUN
egc-294	28	6	,	,	PUNCT
egc-294	28	7	combining	combine	VERB
egc-294	28	8	both	both	CCONJ
egc-294	28	9	technological	technological	ADJ
egc-294	28	10	advancements	advancement	NOUN
egc-294	28	11	and	and	CCONJ
egc-294	28	12	human	human	ADJ
egc-294	28	13	judgment	judgment	NOUN
egc-294	28	14	,	,	PUNCT
egc-294	28	15	is	be	AUX
egc-294	28	16	key	key	ADJ
egc-294	28	17	to	to	ADP
egc-294	28	18	building	build	VERB
egc-294	28	19	a	a	DET
egc-294	28	20	resilient	resilient	ADJ
egc-294	28	21	,	,	PUNCT
egc-294	28	22	inclusive	inclusive	ADJ
egc-294	28	23	financial	financial	ADJ
egc-294	28	24	system	system	NOUN
egc-294	28	25	capable	capable	ADJ
egc-294	28	26	of	of	ADP
egc-294	28	27	adapting	adapt	VERB
egc-294	28	28	to	to	ADP
egc-294	28	29	both	both	CCONJ
egc-294	28	30	present	present	ADJ
egc-294	28	31	and	and	CCONJ
egc-294	28	32	future	future	ADJ
egc-294	28	33	challenges	challenge	NOUN
egc-294	28	34	.	.	PUNCT
egc-294	29	1	1	1	X
egc-294	29	2	.	.	X
egc-294	29	3	the	the	DET
egc-294	29	4	importance	importance	NOUN
egc-294	29	5	of	of	ADP
egc-294	29	6	credit	credit	NOUN
egc-294	29	7	risk	risk	NOUN
egc-294	29	8	assessment	assessment	NOUN
egc-294	29	9	:	:	PUNCT
egc-294	29	10	credit	credit	NOUN
egc-294	29	11	risk	risk	NOUN
egc-294	29	12	assessment	assessment	NOUN
egc-294	29	13	is	be	AUX
egc-294	29	14	foundational	foundational	ADJ
egc-294	29	15	to	to	ADP
egc-294	29	16	the	the	DET
egc-294	29	17	stability	stability	NOUN
egc-294	29	18	of	of	ADP
egc-294	29	19	financial	financial	ADJ
egc-294	29	20	institutions	institution	NOUN
egc-294	29	21	and	and	CCONJ
egc-294	29	22	the	the	DET
egc-294	29	23	broader	broad	ADJ
egc-294	29	24	economy	economy	NOUN
egc-294	29	25	.	.	PUNCT
egc-294	30	1	for	for	ADP
egc-294	30	2	banks	bank	NOUN
egc-294	30	3	,	,	PUNCT
egc-294	30	4	accurately	accurately	ADV
egc-294	30	5	assessing	assess	VERB
egc-294	30	6	the	the	DET
egc-294	30	7	risk	risk	NOUN
egc-294	30	8	of	of	ADP
egc-294	30	9	default	default	NOUN
egc-294	30	10	ensures	ensure	VERB
egc-294	30	11	that	that	SCONJ
egc-294	30	12	they	they	PRON
egc-294	30	13	can	can	AUX
egc-294	30	14	make	make	VERB
egc-294	30	15	informed	informed	ADJ
egc-294	30	16	lending	lending	NOUN
egc-294	30	17	decisions	decision	NOUN
egc-294	30	18	,	,	PUNCT
egc-294	30	19	manage	manage	VERB
egc-294	30	20	their	their	PRON
egc-294	30	21	capital	capital	NOUN
egc-294	30	22	appropriately	appropriately	ADV
egc-294	30	23	,	,	PUNCT
egc-294	30	24	and	and	CCONJ
egc-294	30	25	mitigate	mitigate	VERB
egc-294	30	26	potential	potential	ADJ
egc-294	30	27	losses	loss	NOUN
egc-294	30	28	.	.	PUNCT
egc-294	31	1	an	an	DET
egc-294	31	2	ineffective	ineffective	ADJ
egc-294	31	3	or	or	CCONJ
egc-294	31	4	overly	overly	ADV
egc-294	31	5	cautious	cautious	ADJ
egc-294	31	6	approach	approach	NOUN
egc-294	31	7	to	to	ADP
egc-294	31	8	credit	credit	NOUN
egc-294	31	9	risk	risk	NOUN
egc-294	31	10	may	may	AUX
egc-294	31	11	result	result	VERB
egc-294	31	12	in	in	ADP
egc-294	31	13	missed	miss	VERB
egc-294	31	14	lending	lending	NOUN
egc-294	31	15	opportunities	opportunity	NOUN
egc-294	31	16	,	,	PUNCT
egc-294	31	17	while	while	SCONJ
egc-294	31	18	overly	overly	ADV
egc-294	31	19	optimistic	optimistic	ADJ
egc-294	31	20	assessments	assessment	NOUN
egc-294	31	21	can	can	AUX
egc-294	31	22	lead	lead	VERB
egc-294	31	23	to	to	ADP
egc-294	31	24	defaults	default	NOUN
egc-294	31	25	,	,	PUNCT
egc-294	31	26	which	which	PRON
egc-294	31	27	in	in	ADP
egc-294	31	28	turn	turn	NOUN
egc-294	31	29	damage	damage	NOUN
egc-294	31	30	institutional	institutional	ADJ
egc-294	31	31	and	and	CCONJ
egc-294	31	32	systemic	systemic	ADJ
egc-294	31	33	stability	stability	NOUN
egc-294	31	34	.	.	PUNCT
egc-294	32	1	in	in	ADP
egc-294	32	2	countries	country	NOUN
egc-294	32	3	like	like	ADP
egc-294	32	4	uzbekistan	uzbekistan	PROPN
egc-294	32	5	,	,	PUNCT
egc-294	32	6	where	where	SCONJ
egc-294	32	7	financial	financial	ADJ
egc-294	32	8	markets	market	NOUN
egc-294	32	9	are	be	AUX
egc-294	32	10	transitioning	transition	VERB
egc-294	32	11	from	from	ADP
egc-294	32	12	a	a	DET
egc-294	32	13	state	state	NOUN
egc-294	32	14	-	-	PUNCT
egc-294	32	15	controlled	control	VERB
egc-294	32	16	model	model	NOUN
egc-294	32	17	to	to	ADP
egc-294	32	18	a	a	DET
egc-294	32	19	more	more	ADV
egc-294	32	20	market	market	NOUN
egc-294	32	21	-	-	PUNCT
egc-294	32	22	oriented	orient	VERB
egc-294	32	23	one	one	NUM
egc-294	32	24	,	,	PUNCT
egc-294	32	25	the	the	DET
egc-294	32	26	need	need	NOUN
egc-294	32	27	for	for	ADP
egc-294	32	28	robust	robust	ADJ
egc-294	32	29	credit	credit	NOUN
egc-294	32	30	risk	risk	NOUN
egc-294	32	31	assessment	assessment	NOUN
egc-294	32	32	tools	tool	NOUN
egc-294	32	33	is	be	AUX
egc-294	32	34	even	even	ADV
egc-294	32	35	more	more	ADV
egc-294	32	36	critical	critical	ADJ
egc-294	32	37	.	.	PUNCT
egc-294	33	1	with	with	ADP
egc-294	33	2	reforms	reform	NOUN
egc-294	33	3	aimed	aim	VERB
egc-294	33	4	at	at	ADP
egc-294	33	5	expanding	expand	VERB
egc-294	33	6	access	access	NOUN
egc-294	33	7	to	to	ADP
egc-294	33	8	finance	finance	NOUN
egc-294	33	9	,	,	PUNCT
egc-294	33	10	supporting	support	VERB
egc-294	33	11	small	small	ADJ
egc-294	33	12	and	and	CCONJ
egc-294	33	13	medium	medium	ADJ
egc-294	33	14	-	-	PUNCT
egc-294	33	15	sized	sized	ADJ
egc-294	33	16	enterprises	enterprise	NOUN
egc-294	33	17	(	(	PUNCT
egc-294	33	18	smes	sme	NOUN
egc-294	33	19	)	)	PUNCT
egc-294	33	20	,	,	PUNCT
egc-294	33	21	and	and	CCONJ
egc-294	33	22	increasing	increase	VERB
egc-294	33	23	financial	financial	ADJ
egc-294	33	24	inclusion	inclusion	NOUN
egc-294	33	25	,	,	PUNCT
egc-294	33	26	financial	financial	ADJ
egc-294	33	27	institutions	institution	NOUN
egc-294	33	28	need	need	VERB
egc-294	33	29	reliable	reliable	ADJ
egc-294	33	30	tools	tool	NOUN
egc-294	33	31	to	to	PART
egc-294	33	32	assess	assess	VERB
egc-294	33	33	and	and	CCONJ
egc-294	33	34	manage	manage	VERB
egc-294	33	35	risks	risk	NOUN
egc-294	33	36	without	without	ADP
egc-294	33	37	stifling	stifle	VERB
egc-294	33	38	economic	economic	ADJ
egc-294	33	39	growth	growth	NOUN
egc-294	33	40	.	.	PUNCT
egc-294	34	1	the	the	DET
egc-294	34	2	strategic	strategic	ADJ
egc-294	34	3	objectives	objective	NOUN
egc-294	34	4	laid	lay	VERB
egc-294	34	5	out	out	ADP
egc-294	34	6	in	in	ADP
egc-294	34	7	uzbekistan	uzbekistan	PROPN
egc-294	34	8	’s	’s	PART
egc-294	34	9	2030	2030	NUM
egc-294	34	10	strategy	strategy	NOUN
egc-294	34	11	further	far	ADV
egc-294	34	12	emphasize	emphasize	VERB
egc-294	34	13	the	the	DET
egc-294	34	14	importance	importance	NOUN
egc-294	34	15	of	of	ADP
egc-294	34	16	building	build	VERB
egc-294	34	17	a	a	DET
egc-294	34	18	resilient	resilient	ADJ
egc-294	34	19	financial	financial	ADJ
egc-294	34	20	sector	sector	NOUN
egc-294	34	21	that	that	PRON
egc-294	34	22	can	can	AUX
egc-294	34	23	support	support	VERB
egc-294	34	24	long	long	ADJ
egc-294	34	25	-	-	PUNCT
egc-294	34	26	term	term	NOUN
egc-294	34	27	growth	growth	NOUN
egc-294	34	28	,	,	PUNCT
egc-294	34	29	and	and	CCONJ
egc-294	34	30	credit	credit	NOUN
egc-294	34	31	risk	risk	NOUN
egc-294	34	32	assessment	assessment	NOUN
egc-294	34	33	plays	play	VERB
egc-294	34	34	a	a	DET
egc-294	34	35	central	central	ADJ
egc-294	34	36	role	role	NOUN
egc-294	34	37	in	in	ADP
egc-294	34	38	this	this	DET
egc-294	34	39	process	process	NOUN
egc-294	34	40	.	.	PUNCT
egc-294	35	1	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-294	35	2	eglobal	eglobal	PROPN
egc-294	35	3	congress	congress	PROPN
egc-294	35	4	hosted	host	VERB
egc-294	35	5	online	online	ADV
egc-294	35	6	from	from	ADP
egc-294	35	7	dubai	dubai	PROPN
egc-294	35	8	,	,	PUNCT
egc-294	35	9	u.	u.	PROPN
egc-294	35	10	a.	a.	PROPN
egc-294	35	11	e.	e.	PROPN
egc-294	35	12	,	,	PUNCT
egc-294	35	13	e	e	PROPN
egc-294	35	14	conference	conference	NOUN
egc-294	35	15	.	.	PUNCT
egc-294	36	1	date	date	NOUN
egc-294	36	2	:	:	PUNCT
egc-294	36	3	30th	30th	ADJ
egc-294	36	4	january	january	PROPN
egc-294	36	5	2025	2025	NUM
egc-294	36	6	website	website	NOUN
egc-294	36	7	:	:	PUNCT
egc-294	36	8	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-294	36	9	issn	issn	PROPN
egc-294	36	10	(	(	PUNCT
egc-294	36	11	e	e	NOUN
egc-294	36	12	):	):	PUNCT
egc-294	36	13	2836	2836	NUM
egc-294	36	14	-	-	SYM
egc-294	36	15	3612	3612	NUM
egc-294	36	16	4	4	NUM
egc-294	36	17	|	|	ADV
egc-294	36	18	p	p	X
egc-294	36	19	a	a	DET
egc-294	36	20	g	g	NOUN
egc-294	36	21	e	e	NOUN
egc-294	36	22	figure	figure	NOUN
egc-294	36	23	1	1	NUM
egc-294	36	24	.	.	PUNCT
egc-294	36	25	strategies	strategy	NOUN
egc-294	36	26	used	use	VERB
egc-294	36	27	by	by	ADP
egc-294	36	28	commercial	commercial	ADJ
egc-294	36	29	banks	bank	NOUN
egc-294	36	30	to	to	PART
egc-294	36	31	effectively	effectively	ADV
egc-294	36	32	manage	manage	VERB
egc-294	36	33	credit	credit	NOUN
egc-294	36	34	risk1	risk1	NOUN
egc-294	36	35	2	2	NUM
egc-294	36	36	.	.	PUNCT
egc-294	36	37	technological	technological	ADJ
egc-294	36	38	advancements	advancement	NOUN
egc-294	36	39	in	in	ADP
egc-294	36	40	credit	credit	NOUN
egc-294	36	41	risk	risk	NOUN
egc-294	36	42	assessment	assessment	NOUN
egc-294	36	43	:	:	PUNCT
egc-294	36	44	technological	technological	ADJ
egc-294	36	45	advancements	advancement	NOUN
egc-294	36	46	have	have	AUX
egc-294	36	47	revolutionized	revolutionize	VERB
egc-294	36	48	the	the	DET
egc-294	36	49	way	way	NOUN
egc-294	36	50	financial	financial	ADJ
egc-294	36	51	institutions	institution	NOUN
egc-294	36	52	assess	assess	VERB
egc-294	36	53	credit	credit	NOUN
egc-294	36	54	risk	risk	NOUN
egc-294	36	55	.	.	PUNCT
egc-294	37	1	historically	historically	ADV
egc-294	37	2	,	,	PUNCT
egc-294	37	3	credit	credit	NOUN
egc-294	37	4	risk	risk	NOUN
egc-294	37	5	assessment	assessment	NOUN
egc-294	37	6	relied	rely	VERB
egc-294	37	7	heavily	heavily	ADV
egc-294	37	8	on	on	ADP
egc-294	37	9	qualitative	qualitative	ADJ
egc-294	37	10	assessments	assessment	NOUN
egc-294	37	11	and	and	CCONJ
egc-294	37	12	basic	basic	ADJ
egc-294	37	13	financial	financial	ADJ
egc-294	37	14	ratios	ratio	NOUN
egc-294	37	15	.	.	PUNCT
egc-294	38	1	today	today	NOUN
egc-294	38	2	,	,	PUNCT
egc-294	38	3	sophisticated	sophisticated	ADJ
egc-294	38	4	quantitative	quantitative	ADJ
egc-294	38	5	models	model	NOUN
egc-294	38	6	,	,	PUNCT
egc-294	38	7	machine	machine	NOUN
egc-294	38	8	learning	learning	NOUN
egc-294	38	9	algorithms	algorithm	NOUN
egc-294	38	10	,	,	PUNCT
egc-294	38	11	and	and	CCONJ
egc-294	38	12	artificial	artificial	ADJ
egc-294	38	13	intelligence	intelligence	NOUN
egc-294	38	14	(	(	PUNCT
egc-294	38	15	ai	ai	NOUN
egc-294	38	16	)	)	PUNCT
egc-294	38	17	techniques	technique	NOUN
egc-294	38	18	are	be	AUX
egc-294	38	19	used	use	VERB
egc-294	38	20	to	to	PART
egc-294	38	21	analyze	analyze	VERB
egc-294	38	22	large	large	ADJ
egc-294	38	23	volumes	volume	NOUN
egc-294	38	24	of	of	ADP
egc-294	38	25	data	datum	NOUN
egc-294	38	26	from	from	ADP
egc-294	38	27	multiple	multiple	ADJ
egc-294	38	28	sources	source	NOUN
egc-294	38	29	,	,	PUNCT
egc-294	38	30	providing	provide	VERB
egc-294	38	31	a	a	DET
egc-294	38	32	more	more	ADV
egc-294	38	33	comprehensive	comprehensive	ADJ
egc-294	38	34	and	and	CCONJ
egc-294	38	35	accurate	accurate	ADJ
egc-294	38	36	view	view	NOUN
egc-294	38	37	of	of	ADP
egc-294	38	38	risk	risk	NOUN
egc-294	38	39	.	.	PUNCT
egc-294	39	1	3	3	X
egc-294	39	2	.	.	X
egc-294	39	3	data	datum	NOUN
egc-294	39	4	quality	quality	NOUN
egc-294	39	5	and	and	CCONJ
egc-294	39	6	availability	availability	NOUN
egc-294	39	7	:	:	PUNCT
egc-294	39	8	in	in	ADP
egc-294	39	9	many	many	ADJ
egc-294	39	10	emerging	emerge	VERB
egc-294	39	11	markets	market	NOUN
egc-294	39	12	,	,	PUNCT
egc-294	39	13	including	include	VERB
egc-294	39	14	uzbekistan	uzbekistan	PROPN
egc-294	39	15	,	,	PUNCT
egc-294	39	16	one	one	NUM
egc-294	39	17	of	of	ADP
egc-294	39	18	the	the	DET
egc-294	39	19	main	main	ADJ
egc-294	39	20	challenges	challenge	NOUN
egc-294	39	21	is	be	AUX
egc-294	39	22	the	the	DET
egc-294	39	23	availability	availability	NOUN
egc-294	39	24	and	and	CCONJ
egc-294	39	25	quality	quality	NOUN
egc-294	39	26	of	of	ADP
egc-294	39	27	data	datum	NOUN
egc-294	39	28	.	.	PUNCT
egc-294	40	1	reliable	reliable	ADJ
egc-294	40	2	,	,	PUNCT
egc-294	40	3	comprehensive	comprehensive	ADJ
egc-294	40	4	data	datum	NOUN
egc-294	40	5	on	on	ADP
egc-294	40	6	borrowers	borrower	NOUN
egc-294	40	7	,	,	PUNCT
egc-294	40	8	especially	especially	ADV
egc-294	40	9	smes	sme	NOUN
egc-294	40	10	and	and	CCONJ
egc-294	40	11	individuals	individual	NOUN
egc-294	40	12	,	,	PUNCT
egc-294	40	13	may	may	AUX
egc-294	40	14	be	be	AUX
egc-294	40	15	lacking	lack	VERB
egc-294	40	16	or	or	CCONJ
egc-294	40	17	insufficient	insufficient	ADJ
egc-294	40	18	for	for	ADP
egc-294	40	19	the	the	DET
egc-294	40	20	accurate	accurate	ADJ
egc-294	40	21	application	application	NOUN
egc-294	40	22	of	of	ADP
egc-294	40	23	advanced	advanced	ADJ
egc-294	40	24	credit	credit	NOUN
egc-294	40	25	risk	risk	NOUN
egc-294	40	26	models	model	NOUN
egc-294	40	27	.	.	PUNCT
egc-294	41	1	furthermore	furthermore	ADV
egc-294	41	2	,	,	PUNCT
egc-294	41	3	financial	financial	ADJ
egc-294	41	4	institutions	institution	NOUN
egc-294	41	5	may	may	AUX
egc-294	41	6	face	face	VERB
egc-294	41	7	difficulties	difficulty	NOUN
egc-294	41	8	accessing	access	VERB
egc-294	41	9	up	up	ADP
egc-294	41	10	-	-	PUNCT
egc-294	41	11	to	to	ADP
egc-294	41	12	-	-	PUNCT
egc-294	41	13	date	date	NOUN
egc-294	41	14	information	information	NOUN
egc-294	41	15	,	,	PUNCT
egc-294	41	16	particularly	particularly	ADV
egc-294	41	17	in	in	ADP
egc-294	41	18	rural	rural	ADJ
egc-294	41	19	or	or	CCONJ
egc-294	41	20	underserved	underserved	ADJ
egc-294	41	21	areas	area	NOUN
egc-294	41	22	where	where	SCONJ
egc-294	41	23	banking	banking	NOUN
egc-294	41	24	and	and	CCONJ
egc-294	41	25	credit	credit	NOUN
egc-294	41	26	histories	history	NOUN
egc-294	41	27	are	be	AUX
egc-294	41	28	less	less	ADV
egc-294	41	29	common	common	ADJ
egc-294	41	30	.	.	PUNCT
egc-294	42	1	in	in	ADP
egc-294	42	2	such	such	ADJ
egc-294	42	3	environments	environment	NOUN
egc-294	42	4	,	,	PUNCT
egc-294	42	5	overreliance	overreliance	NOUN
egc-294	42	6	on	on	ADP
egc-294	42	7	automated	automate	VERB
egc-294	42	8	systems	system	NOUN
egc-294	42	9	may	may	AUX
egc-294	42	10	lead	lead	VERB
egc-294	42	11	to	to	ADP
egc-294	42	12	incorrect	incorrect	ADJ
egc-294	42	13	assessments	assessment	NOUN
egc-294	42	14	,	,	PUNCT
egc-294	42	15	such	such	ADJ
egc-294	42	16	as	as	ADP
egc-294	42	17	underestimating	underestimate	VERB
egc-294	42	18	or	or	CCONJ
egc-294	42	19	overestimating	overestimate	VERB
egc-294	42	20	a	a	DET
egc-294	42	21	borrower	borrower	NOUN
egc-294	42	22	’s	’s	PART
egc-294	42	23	creditworthiness	creditworthiness	NOUN
egc-294	42	24	.	.	PUNCT
egc-294	43	1	therefore	therefore	ADV
egc-294	43	2	,	,	PUNCT
egc-294	43	3	a	a	DET
egc-294	43	4	robust	robust	ADJ
egc-294	43	5	infrastructure	infrastructure	NOUN
egc-294	43	6	for	for	ADP
egc-294	43	7	collecting	collect	VERB
egc-294	43	8	and	and	CCONJ
egc-294	43	9	validating	validate	VERB
egc-294	43	10	data	datum	NOUN
egc-294	43	11	is	be	AUX
egc-294	43	12	essential	essential	ADJ
egc-294	43	13	for	for	ADP
egc-294	43	14	the	the	DET
egc-294	43	15	successful	successful	ADJ
egc-294	43	16	implementation	implementation	NOUN
egc-294	43	17	of	of	ADP
egc-294	43	18	modern	modern	ADJ
egc-294	43	19	risk	risk	NOUN
egc-294	43	20	assessment	assessment	NOUN
egc-294	43	21	methods	method	NOUN
egc-294	43	22	.	.	PUNCT
egc-294	44	1	4	4	X
egc-294	44	2	.	.	X
egc-294	44	3	bias	bias	NOUN
egc-294	44	4	and	and	CCONJ
egc-294	44	5	transparency	transparency	NOUN
egc-294	44	6	issues	issue	NOUN
egc-294	44	7	:	:	PUNCT
egc-294	44	8	machine	machine	NOUN
egc-294	44	9	-	-	PUNCT
egc-294	44	10	learning	learn	VERB
egc-294	44	11	algorithms	algorithm	NOUN
egc-294	44	12	,	,	PUNCT
egc-294	44	13	while	while	SCONJ
egc-294	44	14	powerful	powerful	ADJ
egc-294	44	15	,	,	PUNCT
egc-294	44	16	are	be	AUX
egc-294	44	17	often	often	ADV
egc-294	44	18	seen	see	VERB
egc-294	44	19	as	as	ADP
egc-294	44	20	“	"	PUNCT
egc-294	44	21	black	black	ADJ
egc-294	44	22	boxes	box	NOUN
egc-294	44	23	”	"	PUNCT
egc-294	44	24	because	because	SCONJ
egc-294	44	25	they	they	PRON
egc-294	44	26	can	can	AUX
egc-294	44	27	be	be	AUX
egc-294	44	28	difficult	difficult	ADJ
egc-294	44	29	to	to	PART
egc-294	44	30	1	1	NUM
egc-294	44	31	prepared	prepare	VERB
egc-294	44	32	by	by	ADP
egc-294	44	33	the	the	DET
egc-294	44	34	author	author	NOUN
egc-294	44	35	as	as	ADP
egc-294	44	36	a	a	DET
egc-294	44	37	result	result	NOUN
egc-294	44	38	of	of	ADP
egc-294	44	39	research	research	NOUN
egc-294	44	40	.	.	PUNCT
egc-294	45	1	1	1	X
egc-294	45	2	.	.	X
egc-294	45	3	comprehensive	comprehensive	ADJ
egc-294	45	4	credit	credit	NOUN
egc-294	45	5	assessment	assessment	NOUN
egc-294	45	6	;	;	PUNCT
egc-294	45	7	2	2	X
egc-294	45	8	.	.	X
egc-294	45	9	diversification	diversification	NOUN
egc-294	45	10	of	of	ADP
egc-294	45	11	borrower	borrower	NOUN
egc-294	45	12	sectors	sector	NOUN
egc-294	45	13	;	;	PUNCT
egc-294	45	14	3	3	X
egc-294	45	15	.	.	X
egc-294	45	16	implementation	implementation	NOUN
egc-294	45	17	of	of	ADP
egc-294	45	18	advanced	advanced	ADJ
egc-294	45	19	financial	financial	ADJ
egc-294	45	20	analysis	analysis	NOUN
egc-294	45	21	in	in	ADP
egc-294	45	22	risk	risk	NOUN
egc-294	45	23	assesment	assesment	NOUN
egc-294	45	24	processes	process	NOUN
egc-294	45	25	;	;	PUNCT
egc-294	45	26	4	4	X
egc-294	45	27	.	.	X
egc-294	45	28	regular	regular	ADJ
egc-294	45	29	monitoring	monitoring	NOUN
egc-294	45	30	of	of	ADP
egc-294	45	31	client	client	NOUN
egc-294	45	32	activity	activity	NOUN
egc-294	45	33	;	;	PUNCT
egc-294	45	34	5	5	NUM
egc-294	45	35	.	.	X
egc-294	45	36	strong	strong	ADJ
egc-294	45	37	internal	internal	ADJ
egc-294	45	38	controls	control	NOUN
egc-294	45	39	.	.	PUNCT
egc-294	46	1	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	ADJ
egc-294	46	2	eglobal	eglobal	PROPN
egc-294	46	3	congress	congress	PROPN
egc-294	46	4	hosted	host	VERB
egc-294	46	5	online	online	ADV
egc-294	46	6	from	from	ADP
egc-294	46	7	dubai	dubai	PROPN
egc-294	46	8	,	,	PUNCT
egc-294	46	9	u.	u.	PROPN
egc-294	46	10	a.	a.	PROPN
egc-294	46	11	e.	e.	PROPN
egc-294	46	12	,	,	PUNCT
egc-294	46	13	e	e	PROPN
egc-294	46	14	conference	conference	NOUN
egc-294	46	15	.	.	PUNCT
egc-294	47	1	date	date	NOUN
egc-294	47	2	:	:	PUNCT
egc-294	47	3	30th	30th	ADJ
egc-294	47	4	january	january	PROPN
egc-294	47	5	2025	2025	NUM
egc-294	47	6	website	website	NOUN
egc-294	47	7	:	:	PUNCT
egc-294	47	8	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-294	47	9	issn	issn	PROPN
egc-294	47	10	(	(	PUNCT
egc-294	47	11	e	e	NOUN
egc-294	47	12	):	):	PUNCT
egc-294	47	13	2836	2836	NUM
egc-294	47	14	-	-	SYM
egc-294	47	15	3612	3612	NUM
egc-294	47	16	5	5	NUM
egc-294	47	17	|	|	ADV
egc-294	47	18	p	p	NOUN
egc-294	47	19	a	a	DET
egc-294	47	20	g	g	NOUN
egc-294	47	21	e	e	NOUN
egc-294	47	22	interpret	interpret	NOUN
egc-294	47	23	.	.	PUNCT
egc-294	48	1	the	the	DET
egc-294	48	2	risk	risk	NOUN
egc-294	48	3	of	of	ADP
egc-294	48	4	bias	bias	NOUN
egc-294	48	5	—	—	PUNCT
egc-294	48	6	whether	whether	SCONJ
egc-294	48	7	from	from	ADP
egc-294	48	8	incomplete	incomplete	ADJ
egc-294	48	9	data	datum	NOUN
egc-294	48	10	,	,	PUNCT
egc-294	48	11	historical	historical	ADJ
egc-294	48	12	inequities	inequity	NOUN
egc-294	48	13	,	,	PUNCT
egc-294	48	14	or	or	CCONJ
egc-294	48	15	algorithmic	algorithmic	ADJ
egc-294	48	16	design	design	NOUN
egc-294	48	17	—	—	PUNCT
egc-294	48	18	can	can	AUX
egc-294	48	19	skew	skew	VERB
egc-294	48	20	outcomes	outcome	NOUN
egc-294	48	21	and	and	CCONJ
egc-294	48	22	lead	lead	VERB
egc-294	48	23	to	to	ADP
egc-294	48	24	unfair	unfair	ADJ
egc-294	48	25	credit	credit	NOUN
egc-294	48	26	decisions	decision	NOUN
egc-294	48	27	.	.	PUNCT
egc-294	49	1	in	in	ADP
egc-294	49	2	markets	market	NOUN
egc-294	49	3	like	like	ADP
egc-294	49	4	uzbekistan	uzbekistan	PROPN
egc-294	49	5	,	,	PUNCT
egc-294	49	6	where	where	SCONJ
egc-294	49	7	economic	economic	ADJ
egc-294	49	8	inequalities	inequality	NOUN
egc-294	49	9	may	may	AUX
egc-294	49	10	be	be	AUX
egc-294	49	11	pronounced	pronounce	VERB
egc-294	49	12	,	,	PUNCT
egc-294	49	13	the	the	DET
egc-294	49	14	potential	potential	NOUN
egc-294	49	15	for	for	ADP
egc-294	49	16	bias	bias	NOUN
egc-294	49	17	in	in	ADP
egc-294	49	18	credit	credit	NOUN
egc-294	49	19	assessments	assessment	NOUN
egc-294	49	20	could	could	AUX
egc-294	49	21	exacerbate	exacerbate	VERB
egc-294	49	22	disparities	disparity	NOUN
egc-294	49	23	in	in	ADP
egc-294	49	24	access	access	NOUN
egc-294	49	25	to	to	ADP
egc-294	49	26	finance	finance	NOUN
egc-294	49	27	.	.	PUNCT
egc-294	50	1	thus	thus	ADV
egc-294	50	2	,	,	PUNCT
egc-294	50	3	financial	financial	ADJ
egc-294	50	4	institutions	institution	NOUN
egc-294	50	5	must	must	AUX
egc-294	50	6	ensure	ensure	VERB
egc-294	50	7	that	that	SCONJ
egc-294	50	8	their	their	PRON
egc-294	50	9	credit	credit	NOUN
egc-294	50	10	risk	risk	NOUN
egc-294	50	11	models	model	NOUN
egc-294	50	12	are	be	AUX
egc-294	50	13	transparent	transparent	ADJ
egc-294	50	14	,	,	PUNCT
egc-294	50	15	fair	fair	ADJ
egc-294	50	16	,	,	PUNCT
egc-294	50	17	and	and	CCONJ
egc-294	50	18	subject	subject	ADJ
egc-294	50	19	to	to	ADP
egc-294	50	20	regular	regular	ADJ
egc-294	50	21	audits	audits	NOUN
egc-294	50	22	to	to	PART
egc-294	50	23	mitigate	mitigate	VERB
egc-294	50	24	these	these	DET
egc-294	50	25	risks	risk	NOUN
egc-294	50	26	.	.	PUNCT
egc-294	51	1	ensuring	ensure	VERB
egc-294	51	2	that	that	SCONJ
egc-294	51	3	ai	ai	NOUN
egc-294	51	4	-	-	PUNCT
egc-294	51	5	driven	drive	VERB
egc-294	51	6	models	model	NOUN
egc-294	51	7	account	account	VERB
egc-294	51	8	for	for	ADP
egc-294	51	9	local	local	ADJ
egc-294	51	10	economic	economic	ADJ
egc-294	51	11	realities	reality	NOUN
egc-294	51	12	,	,	PUNCT
egc-294	51	13	regulatory	regulatory	ADJ
egc-294	51	14	standards	standard	NOUN
egc-294	51	15	,	,	PUNCT
egc-294	51	16	and	and	CCONJ
egc-294	51	17	ethical	ethical	ADJ
egc-294	51	18	considerations	consideration	NOUN
egc-294	51	19	is	be	AUX
egc-294	51	20	vital	vital	ADJ
egc-294	51	21	to	to	ADP
egc-294	51	22	maintaining	maintain	VERB
egc-294	51	23	trust	trust	NOUN
egc-294	51	24	and	and	CCONJ
egc-294	51	25	credibility	credibility	NOUN
egc-294	51	26	within	within	ADP
egc-294	51	27	the	the	DET
egc-294	51	28	financial	financial	ADJ
egc-294	51	29	system	system	NOUN
egc-294	51	30	.	.	PUNCT
egc-294	52	1	figure	figure	NOUN
egc-294	52	2	2	2	NUM
egc-294	52	3	.	.	PUNCT
egc-294	52	4	generalized	generalized	ADJ
egc-294	52	5	factors	factor	NOUN
egc-294	52	6	affecting	affect	VERB
egc-294	52	7	credit	credit	NOUN
egc-294	52	8	risk2	risk2	NOUN
egc-294	52	9	5	5	NUM
egc-294	52	10	.	.	PUNCT
egc-294	52	11	regulatory	regulatory	ADJ
egc-294	52	12	compliance	compliance	NOUN
egc-294	52	13	and	and	CCONJ
egc-294	52	14	strategic	strategic	ADJ
egc-294	52	15	alignment	alignment	NOUN
egc-294	52	16	:	:	PUNCT
egc-294	52	17	in	in	ADP
egc-294	52	18	uzbekistan	uzbekistan	PROPN
egc-294	52	19	,	,	PUNCT
egc-294	52	20	where	where	SCONJ
egc-294	52	21	the	the	DET
egc-294	52	22	financial	financial	ADJ
egc-294	52	23	sector	sector	NOUN
egc-294	52	24	is	be	AUX
egc-294	52	25	undergoing	undergo	VERB
egc-294	52	26	structural	structural	ADJ
egc-294	52	27	changes	change	NOUN
egc-294	52	28	to	to	PART
egc-294	52	29	align	align	VERB
egc-294	52	30	with	with	ADP
egc-294	52	31	international	international	ADJ
egc-294	52	32	standards	standard	NOUN
egc-294	52	33	,	,	PUNCT
egc-294	52	34	credit	credit	NOUN
egc-294	52	35	risk	risk	NOUN
egc-294	52	36	assessment	assessment	NOUN
egc-294	52	37	tools	tool	NOUN
egc-294	52	38	must	must	AUX
egc-294	52	39	comply	comply	VERB
egc-294	52	40	with	with	ADP
egc-294	52	41	national	national	ADJ
egc-294	52	42	regulations	regulation	NOUN
egc-294	52	43	.	.	PUNCT
egc-294	53	1	the	the	DET
egc-294	53	2	uzbekistan	uzbekistan	PROPN
egc-294	53	3	2030	2030	NUM
egc-294	53	4	strategy	strategy	NOUN
egc-294	53	5	lays	lay	VERB
egc-294	53	6	out	out	ADP
egc-294	53	7	a	a	DET
egc-294	53	8	framework	framework	NOUN
egc-294	53	9	for	for	ADP
egc-294	53	10	financial	financial	ADJ
egc-294	53	11	stability	stability	NOUN
egc-294	53	12	,	,	PUNCT
egc-294	53	13	improved	improve	VERB
egc-294	53	14	access	access	NOUN
egc-294	53	15	to	to	ADP
egc-294	53	16	finance	finance	NOUN
egc-294	53	17	,	,	PUNCT
egc-294	53	18	and	and	CCONJ
egc-294	53	19	enhanced	enhanced	ADJ
egc-294	53	20	transparency	transparency	NOUN
egc-294	53	21	,	,	PUNCT
egc-294	53	22	which	which	PRON
egc-294	53	23	requires	require	VERB
egc-294	53	24	a	a	DET
egc-294	53	25	comprehensive	comprehensive	ADJ
egc-294	53	26	approach	approach	NOUN
egc-294	53	27	to	to	ADP
egc-294	53	28	credit	credit	NOUN
egc-294	53	29	risk	risk	NOUN
egc-294	53	30	management	management	NOUN
egc-294	53	31	.	.	PUNCT
egc-294	54	1	6	6	X
egc-294	54	2	.	.	X
egc-294	54	3	aligning	align	VERB
egc-294	54	4	risk	risk	NOUN
egc-294	54	5	assessment	assessment	NOUN
egc-294	54	6	with	with	ADP
egc-294	54	7	national	national	ADJ
egc-294	54	8	goals	goal	NOUN
egc-294	54	9	:	:	PUNCT
egc-294	54	10	the	the	DET
egc-294	54	11	2030	2030	NUM
egc-294	54	12	strategy	strategy	NOUN
egc-294	54	13	aims	aim	VERB
egc-294	54	14	to	to	PART
egc-294	54	15	create	create	VERB
egc-294	54	16	a	a	DET
egc-294	54	17	more	more	ADV
egc-294	54	18	diversified	diversified	ADJ
egc-294	54	19	financial	financial	ADJ
egc-294	54	20	system	system	NOUN
egc-294	54	21	that	that	PRON
egc-294	54	22	includes	include	VERB
egc-294	54	23	digital	digital	ADJ
egc-294	54	24	finance	finance	NOUN
egc-294	54	25	,	,	PUNCT
egc-294	54	26	microfinance	microfinance	NOUN
egc-294	54	27	,	,	PUNCT
egc-294	54	28	and	and	CCONJ
egc-294	54	29	support	support	NOUN
egc-294	54	30	for	for	ADP
egc-294	54	31	smes	sme	NOUN
egc-294	54	32	.	.	PUNCT
egc-294	55	1	to	to	PART
egc-294	55	2	achieve	achieve	VERB
egc-294	55	3	these	these	DET
egc-294	55	4	goals	goal	NOUN
egc-294	55	5	,	,	PUNCT
egc-294	55	6	financial	financial	ADJ
egc-294	55	7	2	2	NUM
egc-294	55	8	prepared	prepare	VERB
egc-294	55	9	by	by	ADP
egc-294	55	10	the	the	DET
egc-294	55	11	author	author	NOUN
egc-294	55	12	as	as	ADP
egc-294	55	13	a	a	DET
egc-294	55	14	result	result	NOUN
egc-294	55	15	of	of	ADP
egc-294	55	16	research	research	NOUN
egc-294	55	17	.	.	PUNCT
egc-294	56	1	economical	economical	ADJ
egc-294	56	2	factors	factor	NOUN
egc-294	56	3	factors	factor	NOUN
egc-294	56	4	depending	depend	VERB
egc-294	56	5	to	to	ADP
egc-294	56	6	borrowers	borrower	NOUN
egc-294	56	7	industry	industry	NOUN
egc-294	56	8	-	-	PUNCT
egc-294	56	9	specific	specific	ADJ
egc-294	56	10	risks	risk	NOUN
egc-294	56	11	macroeconomic	macroeconomic	ADJ
egc-294	56	12	phenomena	phenomenon	NOUN
egc-294	56	13	and	and	CCONJ
egc-294	56	14	systemic	systemic	ADJ
egc-294	56	15	risks	risk	NOUN
egc-294	56	16	risk	risk	NOUN
egc-294	56	17	management	management	NOUN
egc-294	56	18	practice	practice	NOUN
egc-294	56	19	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	ADJ
egc-294	56	20	eglobal	eglobal	PROPN
egc-294	56	21	congress	congress	PROPN
egc-294	56	22	hosted	host	VERB
egc-294	56	23	online	online	ADV
egc-294	56	24	from	from	ADP
egc-294	56	25	dubai	dubai	PROPN
egc-294	56	26	,	,	PUNCT
egc-294	56	27	u.	u.	PROPN
egc-294	56	28	a.	a.	PROPN
egc-294	56	29	e.	e.	PROPN
egc-294	56	30	,	,	PUNCT
egc-294	56	31	e	e	PROPN
egc-294	56	32	conference	conference	NOUN
egc-294	56	33	.	.	PUNCT
egc-294	57	1	date	date	NOUN
egc-294	57	2	:	:	PUNCT
egc-294	57	3	30th	30th	ADJ
egc-294	57	4	january	january	PROPN
egc-294	57	5	2025	2025	NUM
egc-294	57	6	website	website	NOUN
egc-294	57	7	:	:	PUNCT
egc-294	57	8	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-294	57	9	issn	issn	PROPN
egc-294	57	10	(	(	PUNCT
egc-294	57	11	e	e	NOUN
egc-294	57	12	):	):	PUNCT
egc-294	57	13	2836	2836	NUM
egc-294	57	14	-	-	SYM
egc-294	57	15	3612	3612	NUM
egc-294	57	16	6	6	NUM
egc-294	57	17	|	|	ADV
egc-294	57	18	p	p	NOUN
egc-294	57	19	a	a	DET
egc-294	57	20	g	g	NOUN
egc-294	57	21	e	e	NOUN
egc-294	57	22	institutions	institution	NOUN
egc-294	57	23	must	must	AUX
egc-294	57	24	adopt	adopt	VERB
egc-294	57	25	risk	risk	NOUN
egc-294	57	26	assessment	assessment	NOUN
egc-294	57	27	tools	tool	NOUN
egc-294	57	28	that	that	PRON
egc-294	57	29	balance	balance	VERB
egc-294	57	30	innovation	innovation	NOUN
egc-294	57	31	with	with	ADP
egc-294	57	32	caution	caution	NOUN
egc-294	57	33	.	.	PUNCT
egc-294	58	1	ensuring	ensure	VERB
egc-294	58	2	that	that	SCONJ
egc-294	58	3	credit	credit	NOUN
egc-294	58	4	risk	risk	NOUN
egc-294	58	5	tools	tool	NOUN
egc-294	58	6	comply	comply	VERB
egc-294	58	7	with	with	ADP
egc-294	58	8	regulatory	regulatory	ADJ
egc-294	58	9	standards	standard	NOUN
egc-294	58	10	is	be	AUX
egc-294	58	11	crucial	crucial	ADJ
egc-294	58	12	for	for	ADP
egc-294	58	13	maintaining	maintain	VERB
egc-294	58	14	systemic	systemic	ADJ
egc-294	58	15	stability	stability	NOUN
egc-294	58	16	.	.	PUNCT
egc-294	59	1	additionally	additionally	ADV
egc-294	59	2	,	,	PUNCT
egc-294	59	3	compliance	compliance	NOUN
egc-294	59	4	with	with	ADP
egc-294	59	5	global	global	ADJ
egc-294	59	6	standards	standard	NOUN
egc-294	59	7	,	,	PUNCT
egc-294	59	8	such	such	ADJ
egc-294	59	9	as	as	ADP
egc-294	59	10	those	those	PRON
egc-294	59	11	set	set	VERB
egc-294	59	12	by	by	ADP
egc-294	59	13	the	the	DET
egc-294	59	14	basel	basel	PROPN
egc-294	59	15	committee	committee	PROPN
egc-294	59	16	on	on	ADP
egc-294	59	17	banking	banking	NOUN
egc-294	59	18	supervision	supervision	NOUN
egc-294	59	19	(	(	PUNCT
egc-294	59	20	bcbs	bcbs	PROPN
egc-294	59	21	)	)	PUNCT
egc-294	59	22	,	,	PUNCT
egc-294	59	23	is	be	AUX
egc-294	59	24	necessary	necessary	ADJ
egc-294	59	25	to	to	PART
egc-294	59	26	maintain	maintain	VERB
egc-294	59	27	uzbekistan	uzbekistan	PROPN
egc-294	59	28	’s	’s	PART
egc-294	59	29	competitiveness	competitiveness	NOUN
egc-294	59	30	in	in	ADP
egc-294	59	31	the	the	DET
egc-294	59	32	global	global	ADJ
egc-294	59	33	financial	financial	ADJ
egc-294	59	34	market	market	NOUN
egc-294	59	35	.	.	PUNCT
egc-294	60	1	7	7	X
egc-294	60	2	.	.	X
egc-294	60	3	building	build	VERB
egc-294	60	4	trust	trust	NOUN
egc-294	60	5	in	in	ADP
egc-294	60	6	the	the	DET
egc-294	60	7	financial	financial	ADJ
egc-294	60	8	system	system	NOUN
egc-294	60	9	:	:	PUNCT
egc-294	60	10	for	for	SCONJ
egc-294	60	11	uzbekistan	uzbekistan	PROPN
egc-294	60	12	to	to	PART
egc-294	60	13	build	build	VERB
egc-294	60	14	a	a	DET
egc-294	60	15	financially	financially	ADV
egc-294	60	16	inclusive	inclusive	ADJ
egc-294	60	17	system	system	NOUN
egc-294	60	18	,	,	PUNCT
egc-294	60	19	where	where	SCONJ
egc-294	60	20	all	all	DET
egc-294	60	21	segments	segment	NOUN
egc-294	60	22	of	of	ADP
egc-294	60	23	society	society	NOUN
egc-294	60	24	have	have	VERB
egc-294	60	25	access	access	NOUN
egc-294	60	26	to	to	ADP
egc-294	60	27	credit	credit	NOUN
egc-294	60	28	,	,	PUNCT
egc-294	60	29	the	the	DET
egc-294	60	30	public	public	NOUN
egc-294	60	31	must	must	AUX
egc-294	60	32	trust	trust	VERB
egc-294	60	33	the	the	DET
egc-294	60	34	institutions	institution	NOUN
egc-294	60	35	offering	offer	VERB
egc-294	60	36	these	these	DET
egc-294	60	37	services	service	NOUN
egc-294	60	38	.	.	PUNCT
egc-294	61	1	credit	credit	NOUN
egc-294	61	2	risk	risk	NOUN
egc-294	61	3	assessments	assessment	NOUN
egc-294	61	4	that	that	PRON
egc-294	61	5	are	be	AUX
egc-294	61	6	perceived	perceive	VERB
egc-294	61	7	as	as	ADP
egc-294	61	8	fair	fair	ADJ
egc-294	61	9	and	and	CCONJ
egc-294	61	10	transparent	transparent	ADJ
egc-294	61	11	are	be	AUX
egc-294	61	12	key	key	ADJ
egc-294	61	13	to	to	ADP
egc-294	61	14	building	build	VERB
egc-294	61	15	this	this	DET
egc-294	61	16	trust	trust	NOUN
egc-294	61	17	.	.	PUNCT
egc-294	62	1	thus	thus	ADV
egc-294	62	2	,	,	PUNCT
egc-294	62	3	any	any	DET
egc-294	62	4	technological	technological	ADJ
egc-294	62	5	advancements	advancement	NOUN
egc-294	62	6	in	in	ADP
egc-294	62	7	risk	risk	NOUN
egc-294	62	8	assessment	assessment	NOUN
egc-294	62	9	must	must	AUX
egc-294	62	10	also	also	ADV
egc-294	62	11	prioritize	prioritize	VERB
egc-294	62	12	clear	clear	ADJ
egc-294	62	13	communication	communication	NOUN
egc-294	62	14	,	,	PUNCT
egc-294	62	15	customer	customer	NOUN
egc-294	62	16	education	education	NOUN
egc-294	62	17	,	,	PUNCT
egc-294	62	18	and	and	CCONJ
egc-294	62	19	regulatory	regulatory	ADJ
egc-294	62	20	oversight	oversight	NOUN
egc-294	62	21	to	to	PART
egc-294	62	22	prevent	prevent	VERB
egc-294	62	23	issues	issue	NOUN
egc-294	62	24	such	such	ADJ
egc-294	62	25	as	as	ADP
egc-294	62	26	exclusionary	exclusionary	ADJ
egc-294	62	27	lending	lending	NOUN
egc-294	62	28	practices	practice	NOUN
egc-294	62	29	.	.	PUNCT
egc-294	63	1	conclusion	conclusion	NOUN
egc-294	63	2	credit	credit	NOUN
egc-294	63	3	risk	risk	NOUN
egc-294	63	4	assessment	assessment	NOUN
egc-294	63	5	plays	play	VERB
egc-294	63	6	a	a	DET
egc-294	63	7	critical	critical	ADJ
egc-294	63	8	role	role	NOUN
egc-294	63	9	in	in	ADP
egc-294	63	10	modern	modern	ADJ
egc-294	63	11	financial	financial	ADJ
egc-294	63	12	risk	risk	NOUN
egc-294	63	13	management	management	NOUN
egc-294	63	14	,	,	PUNCT
egc-294	63	15	ensuring	ensure	VERB
egc-294	63	16	the	the	DET
egc-294	63	17	stability	stability	NOUN
egc-294	63	18	and	and	CCONJ
egc-294	63	19	resilience	resilience	NOUN
egc-294	63	20	of	of	ADP
egc-294	63	21	financial	financial	ADJ
egc-294	63	22	institutions	institution	NOUN
egc-294	63	23	while	while	SCONJ
egc-294	63	24	fostering	foster	VERB
egc-294	63	25	economic	economic	ADJ
egc-294	63	26	growth	growth	NOUN
egc-294	63	27	.	.	PUNCT
egc-294	64	1	in	in	ADP
egc-294	64	2	uzbekistan	uzbekistan	PROPN
egc-294	64	3	,	,	PUNCT
egc-294	64	4	where	where	SCONJ
egc-294	64	5	the	the	DET
egc-294	64	6	financial	financial	ADJ
egc-294	64	7	sector	sector	NOUN
egc-294	64	8	is	be	AUX
egc-294	64	9	undergoing	undergo	VERB
egc-294	64	10	significant	significant	ADJ
egc-294	64	11	reforms	reform	NOUN
egc-294	64	12	and	and	CCONJ
egc-294	64	13	aligning	align	VERB
egc-294	64	14	with	with	ADP
egc-294	64	15	national	national	ADJ
egc-294	64	16	development	development	NOUN
egc-294	64	17	goals	goal	NOUN
egc-294	64	18	outlined	outline	VERB
egc-294	64	19	in	in	ADP
egc-294	64	20	the	the	DET
egc-294	64	21	uzbekistan	uzbekistan	PROPN
egc-294	64	22	2030	2030	NUM
egc-294	64	23	strategy	strategy	NOUN
egc-294	64	24	,	,	PUNCT
egc-294	64	25	the	the	DET
egc-294	64	26	need	need	NOUN
egc-294	64	27	for	for	ADP
egc-294	64	28	effective	effective	ADJ
egc-294	64	29	credit	credit	NOUN
egc-294	64	30	risk	risk	NOUN
egc-294	64	31	management	management	NOUN
egc-294	64	32	is	be	AUX
egc-294	64	33	paramount	paramount	ADJ
egc-294	64	34	.	.	PUNCT
egc-294	65	1	this	this	DET
egc-294	65	2	study	study	NOUN
egc-294	65	3	has	have	AUX
egc-294	65	4	explored	explore	VERB
egc-294	65	5	the	the	DET
egc-294	65	6	evolving	evolve	VERB
egc-294	65	7	methods	method	NOUN
egc-294	65	8	and	and	CCONJ
egc-294	65	9	tools	tool	NOUN
egc-294	65	10	of	of	ADP
egc-294	65	11	credit	credit	NOUN
egc-294	65	12	risk	risk	NOUN
egc-294	65	13	assessment	assessment	NOUN
egc-294	65	14	,	,	PUNCT
egc-294	65	15	including	include	VERB
egc-294	65	16	both	both	DET
egc-294	65	17	traditional	traditional	ADJ
egc-294	65	18	qualitative	qualitative	ADJ
egc-294	65	19	methods	method	NOUN
egc-294	65	20	and	and	CCONJ
egc-294	65	21	advanced	advanced	ADJ
egc-294	65	22	quantitative	quantitative	ADJ
egc-294	65	23	techniques	technique	NOUN
egc-294	65	24	,	,	PUNCT
egc-294	65	25	such	such	ADJ
egc-294	65	26	as	as	ADP
egc-294	65	27	machine	machine	NOUN
egc-294	65	28	learning	learning	NOUN
egc-294	65	29	and	and	CCONJ
egc-294	65	30	big	big	ADJ
egc-294	65	31	data	datum	NOUN
egc-294	65	32	analytics	analytic	NOUN
egc-294	65	33	,	,	PUNCT
egc-294	65	34	which	which	PRON
egc-294	65	35	are	be	AUX
egc-294	65	36	transforming	transform	VERB
egc-294	65	37	the	the	DET
egc-294	65	38	financial	financial	ADJ
egc-294	65	39	landscape	landscape	NOUN
egc-294	65	40	worldwide.the	worldwide.the	DET
egc-294	65	41	integration	integration	NOUN
egc-294	65	42	of	of	ADP
egc-294	65	43	technological	technological	ADJ
egc-294	65	44	advancements	advancement	NOUN
egc-294	65	45	,	,	PUNCT
egc-294	65	46	such	such	ADJ
egc-294	65	47	as	as	ADP
egc-294	65	48	predictive	predictive	ADJ
egc-294	65	49	analytics	analytic	NOUN
egc-294	65	50	,	,	PUNCT
egc-294	65	51	ai	ai	VERB
egc-294	65	52	,	,	PUNCT
egc-294	65	53	and	and	CCONJ
egc-294	65	54	machine	machine	NOUN
egc-294	65	55	learning	learning	NOUN
egc-294	65	56	,	,	PUNCT
egc-294	65	57	offers	offer	VERB
egc-294	65	58	substantial	substantial	ADJ
egc-294	65	59	benefits	benefit	NOUN
egc-294	65	60	in	in	ADP
egc-294	65	61	improving	improve	VERB
egc-294	65	62	the	the	DET
egc-294	65	63	accuracy	accuracy	NOUN
egc-294	65	64	,	,	PUNCT
egc-294	65	65	speed	speed	NOUN
egc-294	65	66	,	,	PUNCT
egc-294	65	67	and	and	CCONJ
egc-294	65	68	efficiency	efficiency	NOUN
egc-294	65	69	of	of	ADP
egc-294	65	70	credit	credit	NOUN
egc-294	65	71	risk	risk	NOUN
egc-294	65	72	assessments	assessment	NOUN
egc-294	65	73	.	.	PUNCT
egc-294	66	1	these	these	DET
egc-294	66	2	technologies	technology	NOUN
egc-294	66	3	enable	enable	VERB
egc-294	66	4	institutions	institution	NOUN
egc-294	66	5	to	to	PART
egc-294	66	6	handle	handle	VERB
egc-294	66	7	large	large	ADJ
egc-294	66	8	volumes	volume	NOUN
egc-294	66	9	of	of	ADP
egc-294	66	10	data	datum	NOUN
egc-294	66	11	,	,	PUNCT
egc-294	66	12	identify	identify	VERB
egc-294	66	13	patterns	pattern	NOUN
egc-294	66	14	,	,	PUNCT
egc-294	66	15	and	and	CCONJ
egc-294	66	16	predict	predict	VERB
egc-294	66	17	risks	risk	NOUN
egc-294	66	18	in	in	ADP
egc-294	66	19	real	real	ADJ
egc-294	66	20	time	time	NOUN
egc-294	66	21	.	.	PUNCT
egc-294	67	1	in	in	ADP
egc-294	67	2	the	the	DET
egc-294	67	3	context	context	NOUN
egc-294	67	4	of	of	ADP
egc-294	67	5	uzbekistan	uzbekistan	PROPN
egc-294	67	6	,	,	PUNCT
egc-294	67	7	such	such	ADJ
egc-294	67	8	tools	tool	NOUN
egc-294	67	9	are	be	AUX
egc-294	67	10	crucial	crucial	ADJ
egc-294	67	11	for	for	ADP
egc-294	67	12	enhancing	enhance	VERB
egc-294	67	13	decision	decision	NOUN
egc-294	67	14	-	-	PUNCT
egc-294	67	15	making	make	VERB
egc-294	67	16	capabilities	capability	NOUN
egc-294	67	17	,	,	PUNCT
egc-294	67	18	particularly	particularly	ADV
egc-294	67	19	in	in	ADP
egc-294	67	20	a	a	DET
egc-294	67	21	developing	develop	VERB
egc-294	67	22	economy	economy	NOUN
egc-294	67	23	where	where	SCONJ
egc-294	67	24	data	datum	NOUN
egc-294	67	25	may	may	AUX
egc-294	67	26	be	be	AUX
egc-294	67	27	scarce	scarce	ADJ
egc-294	67	28	and	and	CCONJ
egc-294	67	29	market	market	NOUN
egc-294	67	30	conditions	condition	NOUN
egc-294	67	31	can	can	AUX
egc-294	67	32	shift	shift	VERB
egc-294	67	33	rapidly	rapidly	ADV
egc-294	67	34	.	.	PUNCT
egc-294	68	1	however	however	ADV
egc-294	68	2	,	,	PUNCT
egc-294	68	3	the	the	DET
egc-294	68	4	adoption	adoption	NOUN
egc-294	68	5	of	of	ADP
egc-294	68	6	these	these	DET
egc-294	68	7	technologies	technology	NOUN
egc-294	68	8	is	be	AUX
egc-294	68	9	not	not	PART
egc-294	68	10	without	without	ADP
egc-294	68	11	challenges	challenge	NOUN
egc-294	68	12	.	.	PUNCT
egc-294	69	1	the	the	DET
egc-294	69	2	lack	lack	NOUN
egc-294	69	3	of	of	ADP
egc-294	69	4	comprehensive	comprehensive	ADJ
egc-294	69	5	data	datum	NOUN
egc-294	69	6	infrastructure	infrastructure	NOUN
egc-294	69	7	in	in	ADP
egc-294	69	8	uzbekistan	uzbekistan	PROPN
egc-294	69	9	,	,	PUNCT
egc-294	69	10	the	the	DET
egc-294	69	11	potential	potential	NOUN
egc-294	69	12	for	for	ADP
egc-294	69	13	algorithmic	algorithmic	ADJ
egc-294	69	14	biases	bias	NOUN
egc-294	69	15	,	,	PUNCT
egc-294	69	16	and	and	CCONJ
egc-294	69	17	the	the	DET
egc-294	69	18	high	high	ADJ
egc-294	69	19	cost	cost	NOUN
egc-294	69	20	of	of	ADP
egc-294	69	21	implementing	implement	VERB
egc-294	69	22	advanced	advanced	ADJ
egc-294	69	23	risk	risk	NOUN
egc-294	69	24	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	ADJ
egc-294	69	25	eglobal	eglobal	PROPN
egc-294	69	26	congress	congress	PROPN
egc-294	69	27	hosted	host	VERB
egc-294	69	28	online	online	ADV
egc-294	69	29	from	from	ADP
egc-294	69	30	dubai	dubai	PROPN
egc-294	69	31	,	,	PUNCT
egc-294	69	32	u.	u.	PROPN
egc-294	69	33	a.	a.	PROPN
egc-294	69	34	e.	e.	PROPN
egc-294	69	35	,	,	PUNCT
egc-294	69	36	e	e	PROPN
egc-294	69	37	conference	conference	NOUN
egc-294	69	38	.	.	PUNCT
egc-294	70	1	date	date	NOUN
egc-294	70	2	:	:	PUNCT
egc-294	70	3	30th	30th	ADJ
egc-294	70	4	january	january	PROPN
egc-294	70	5	2025	2025	NUM
egc-294	70	6	website	website	NOUN
egc-294	70	7	:	:	PUNCT
egc-294	70	8	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-294	70	9	issn	issn	PROPN
egc-294	70	10	(	(	PUNCT
egc-294	70	11	e	e	NOUN
egc-294	70	12	):	):	PUNCT
egc-294	70	13	2836	2836	NUM
egc-294	70	14	-	-	SYM
egc-294	70	15	3612	3612	NUM
egc-294	70	16	7	7	NUM
egc-294	70	17	|	|	ADV
egc-294	70	18	p	p	ADP
egc-294	70	19	a	a	DET
egc-294	70	20	g	g	NOUN
egc-294	70	21	e	e	NOUN
egc-294	70	22	management	management	NOUN
egc-294	70	23	systems	system	NOUN
egc-294	70	24	are	be	AUX
egc-294	70	25	significant	significant	ADJ
egc-294	70	26	barriers	barrier	NOUN
egc-294	70	27	.	.	PUNCT
egc-294	71	1	these	these	DET
egc-294	71	2	challenges	challenge	NOUN
egc-294	71	3	underscore	underscore	VERB
egc-294	71	4	the	the	DET
egc-294	71	5	importance	importance	NOUN
egc-294	71	6	of	of	ADP
egc-294	71	7	combining	combine	VERB
egc-294	71	8	technological	technological	ADJ
egc-294	71	9	tools	tool	NOUN
egc-294	71	10	with	with	ADP
egc-294	71	11	human	human	ADJ
egc-294	71	12	expertise	expertise	NOUN
egc-294	71	13	,	,	PUNCT
egc-294	71	14	ensuring	ensure	VERB
egc-294	71	15	that	that	SCONJ
egc-294	71	16	credit	credit	NOUN
egc-294	71	17	risk	risk	NOUN
egc-294	71	18	assessments	assessment	NOUN
egc-294	71	19	are	be	AUX
egc-294	71	20	not	not	PART
egc-294	71	21	solely	solely	ADV
egc-294	71	22	data	data	NOUN
egc-294	71	23	-	-	PUNCT
egc-294	71	24	driven	drive	VERB
egc-294	71	25	but	but	CCONJ
egc-294	71	26	also	also	ADV
egc-294	71	27	account	account	VERB
egc-294	71	28	for	for	ADP
egc-294	71	29	local	local	ADJ
egc-294	71	30	economic	economic	ADJ
egc-294	71	31	conditions	condition	NOUN
egc-294	71	32	,	,	PUNCT
egc-294	71	33	regulatory	regulatory	ADJ
egc-294	71	34	requirements	requirement	NOUN
egc-294	71	35	,	,	PUNCT
egc-294	71	36	and	and	CCONJ
egc-294	71	37	borrower	borrower	NOUN
egc-294	71	38	-	-	PUNCT
egc-294	71	39	specific	specific	ADJ
egc-294	71	40	factors	factor	NOUN
egc-294	71	41	.	.	PUNCT
egc-294	72	1	this	this	DET
egc-294	72	2	balanced	balanced	ADJ
egc-294	72	3	approach	approach	NOUN
egc-294	72	4	is	be	AUX
egc-294	72	5	essential	essential	ADJ
egc-294	72	6	to	to	PART
egc-294	72	7	avoid	avoid	VERB
egc-294	72	8	overreliance	overreliance	NOUN
egc-294	72	9	on	on	ADP
egc-294	72	10	algorithms	algorithm	NOUN
egc-294	72	11	that	that	PRON
egc-294	72	12	may	may	AUX
egc-294	72	13	miss	miss	VERB
egc-294	72	14	contextual	contextual	ADJ
egc-294	72	15	nuances	nuance	NOUN
egc-294	72	16	.	.	PUNCT
egc-294	73	1	in	in	ADP
egc-294	73	2	alignment	alignment	NOUN
egc-294	73	3	with	with	ADP
egc-294	73	4	the	the	DET
egc-294	73	5	uzbekistan	uzbekistan	PROPN
egc-294	73	6	2030	2030	NUM
egc-294	73	7	strategy	strategy	NOUN
egc-294	73	8	,	,	PUNCT
egc-294	73	9	which	which	PRON
egc-294	73	10	aims	aim	VERB
egc-294	73	11	to	to	PART
egc-294	73	12	create	create	VERB
egc-294	73	13	a	a	DET
egc-294	73	14	resilient	resilient	ADJ
egc-294	73	15	and	and	CCONJ
egc-294	73	16	inclusive	inclusive	ADJ
egc-294	73	17	financial	financial	ADJ
egc-294	73	18	system	system	NOUN
egc-294	73	19	,	,	PUNCT
egc-294	73	20	the	the	DET
egc-294	73	21	findings	finding	NOUN
egc-294	73	22	of	of	ADP
egc-294	73	23	this	this	DET
egc-294	73	24	thesis	thesis	NOUN
egc-294	73	25	suggest	suggest	VERB
egc-294	73	26	that	that	SCONJ
egc-294	73	27	modernizing	modernize	VERB
egc-294	73	28	credit	credit	NOUN
egc-294	73	29	risk	risk	NOUN
egc-294	73	30	assessment	assessment	NOUN
egc-294	73	31	practices	practice	NOUN
egc-294	73	32	will	will	AUX
egc-294	73	33	contribute	contribute	VERB
egc-294	73	34	to	to	ADP
egc-294	73	35	both	both	CCONJ
egc-294	73	36	financial	financial	ADJ
egc-294	73	37	stability	stability	NOUN
egc-294	73	38	and	and	CCONJ
egc-294	73	39	long	long	ADJ
egc-294	73	40	-	-	PUNCT
egc-294	73	41	term	term	NOUN
egc-294	73	42	sustainable	sustainable	ADJ
egc-294	73	43	growth	growth	NOUN
egc-294	73	44	.	.	PUNCT
egc-294	74	1	however	however	ADV
egc-294	74	2	,	,	PUNCT
egc-294	74	3	for	for	SCONJ
egc-294	74	4	these	these	DET
egc-294	74	5	advancements	advancement	NOUN
egc-294	74	6	to	to	PART
egc-294	74	7	be	be	AUX
egc-294	74	8	effective	effective	ADJ
egc-294	74	9	,	,	PUNCT
egc-294	74	10	financial	financial	ADJ
egc-294	74	11	institutions	institution	NOUN
egc-294	74	12	in	in	ADP
egc-294	74	13	uzbekistan	uzbekistan	PROPN
egc-294	74	14	must	must	AUX
egc-294	74	15	prioritize	prioritize	VERB
egc-294	74	16	data	datum	NOUN
egc-294	74	17	quality	quality	NOUN
egc-294	74	18	,	,	PUNCT
egc-294	74	19	transparency	transparency	NOUN
egc-294	74	20	,	,	PUNCT
egc-294	74	21	and	and	CCONJ
egc-294	74	22	compliance	compliance	NOUN
egc-294	74	23	with	with	ADP
egc-294	74	24	international	international	ADJ
egc-294	74	25	standards	standard	NOUN
egc-294	74	26	,	,	PUNCT
egc-294	74	27	while	while	SCONJ
egc-294	74	28	fostering	foster	VERB
egc-294	74	29	a	a	DET
egc-294	74	30	regulatory	regulatory	ADJ
egc-294	74	31	environment	environment	NOUN
egc-294	74	32	that	that	PRON
egc-294	74	33	encourages	encourage	VERB
egc-294	74	34	innovation	innovation	NOUN
egc-294	74	35	without	without	ADP
egc-294	74	36	compromising	compromise	VERB
egc-294	74	37	stability	stability	NOUN
egc-294	74	38	.	.	PUNCT
egc-294	75	1	ultimately	ultimately	ADV
egc-294	75	2	,	,	PUNCT
egc-294	75	3	as	as	SCONJ
egc-294	75	4	uzbekistan	uzbekistan	PROPN
egc-294	75	5	continues	continue	VERB
egc-294	75	6	its	its	PRON
egc-294	75	7	economic	economic	ADJ
egc-294	75	8	transition	transition	NOUN
egc-294	75	9	,	,	PUNCT
egc-294	75	10	the	the	DET
egc-294	75	11	careful	careful	ADJ
egc-294	75	12	integration	integration	NOUN
egc-294	75	13	of	of	ADP
egc-294	75	14	advanced	advanced	ADJ
egc-294	75	15	credit	credit	NOUN
egc-294	75	16	risk	risk	NOUN
egc-294	75	17	assessment	assessment	NOUN
egc-294	75	18	methods	method	NOUN
egc-294	75	19	,	,	PUNCT
egc-294	75	20	along	along	ADP
egc-294	75	21	with	with	ADP
egc-294	75	22	traditional	traditional	ADJ
egc-294	75	23	qualitative	qualitative	ADJ
egc-294	75	24	tools	tool	NOUN
egc-294	75	25	,	,	PUNCT
egc-294	75	26	will	will	AUX
egc-294	75	27	provide	provide	VERB
egc-294	75	28	the	the	DET
egc-294	75	29	foundation	foundation	NOUN
egc-294	75	30	for	for	ADP
egc-294	75	31	a	a	DET
egc-294	75	32	financial	financial	ADJ
egc-294	75	33	system	system	NOUN
egc-294	75	34	that	that	PRON
egc-294	75	35	can	can	AUX
egc-294	75	36	adapt	adapt	VERB
egc-294	75	37	to	to	ADP
egc-294	75	38	new	new	ADJ
egc-294	75	39	challenges	challenge	NOUN
egc-294	75	40	,	,	PUNCT
egc-294	75	41	support	support	VERB
egc-294	75	42	economic	economic	ADJ
egc-294	75	43	growth	growth	NOUN
egc-294	75	44	,	,	PUNCT
egc-294	75	45	and	and	CCONJ
egc-294	75	46	contribute	contribute	VERB
egc-294	75	47	to	to	ADP
egc-294	75	48	the	the	DET
egc-294	75	49	broader	broad	ADJ
egc-294	75	50	goals	goal	NOUN
egc-294	75	51	of	of	ADP
egc-294	75	52	financial	financial	ADJ
egc-294	75	53	inclusion	inclusion	NOUN
egc-294	75	54	and	and	CCONJ
egc-294	75	55	national	national	ADJ
egc-294	75	56	development	development	NOUN
egc-294	75	57	.	.	PUNCT
egc-294	76	1	financial	financial	ADJ
egc-294	76	2	institutions	institution	NOUN
egc-294	76	3	that	that	PRON
egc-294	76	4	embrace	embrace	VERB
egc-294	76	5	a	a	DET
egc-294	76	6	holistic	holistic	ADJ
egc-294	76	7	and	and	CCONJ
egc-294	76	8	adaptive	adaptive	ADJ
egc-294	76	9	approach	approach	NOUN
egc-294	76	10	to	to	ADP
egc-294	76	11	credit	credit	NOUN
egc-294	76	12	risk	risk	NOUN
egc-294	76	13	management	management	NOUN
egc-294	76	14	will	will	AUX
egc-294	76	15	be	be	AUX
egc-294	76	16	better	well	ADV
egc-294	76	17	positioned	position	VERB
egc-294	76	18	to	to	PART
egc-294	76	19	mitigate	mitigate	VERB
egc-294	76	20	risks	risk	NOUN
egc-294	76	21	,	,	PUNCT
egc-294	76	22	enhance	enhance	VERB
egc-294	76	23	profitability	profitability	NOUN
egc-294	76	24	,	,	PUNCT
egc-294	76	25	and	and	CCONJ
egc-294	76	26	support	support	VERB
egc-294	76	27	the	the	DET
egc-294	76	28	country	country	NOUN
egc-294	76	29	’s	’s	PART
egc-294	76	30	strategic	strategic	ADJ
egc-294	76	31	economic	economic	ADJ
egc-294	76	32	goals	goal	NOUN
egc-294	76	33	in	in	ADP
egc-294	76	34	the	the	DET
egc-294	76	35	coming	come	VERB
egc-294	76	36	decades	decade	NOUN
egc-294	76	37	.	.	PUNCT
egc-294	77	1	list	list	NOUN
egc-294	77	2	of	of	ADP
egc-294	77	3	literature	literature	NOUN
egc-294	77	4	:	:	PUNCT
egc-294	77	5	1	1	X
egc-294	77	6	.	.	X
egc-294	77	7	j.philippe	j.philippe	NOUN
egc-294	77	8	value	value	VERB
egc-294	77	9	at	at	ADP
egc-294	77	10	risk	risk	NOUN
egc-294	77	11	the	the	DET
egc-294	77	12	new	new	ADJ
egc-294	77	13	benchmark	benchmark	NOUN
egc-294	77	14	for	for	ADP
egc-294	77	15	m.f.r	m.f.r	NOUN
egc-294	77	16	.	.	PUNCT
egc-294	78	1	3rd	3rd	ADJ
egc-294	78	2	ed	ed	NOUN
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egc-294	78	5	7	7	NUM
egc-294	78	6	2	2	NUM
egc-294	78	7	.	.	PUNCT
egc-294	79	1	basel	basel	PROPN
egc-294	79	2	committee	committee	PROPN
egc-294	79	3	on	on	ADP
egc-294	79	4	banking	banking	NOUN
egc-294	79	5	supervision	supervision	NOUN
egc-294	79	6	(	(	PUNCT
egc-294	79	7	2011	2011	NUM
egc-294	79	8	)	)	PUNCT
egc-294	79	9	.	.	PUNCT
egc-294	80	1	basel	basel	PROPN
egc-294	80	2	iii	iii	PROPN
egc-294	80	3	:	:	PUNCT
egc-294	80	4	a	a	DET
egc-294	80	5	global	global	ADJ
egc-294	80	6	regulatory	regulatory	ADJ
egc-294	80	7	framework	framework	NOUN
egc-294	80	8	for	for	ADP
egc-294	80	9	more	more	ADV
egc-294	80	10	resilient	resilient	ADJ
egc-294	80	11	banks	bank	NOUN
egc-294	80	12	and	and	CCONJ
egc-294	80	13	banking	banking	NOUN
egc-294	80	14	systems	system	NOUN
egc-294	80	15	.	.	PUNCT
egc-294	81	1	(	(	PUNCT
egc-294	81	2	from	from	ADP
egc-294	81	3	journal	journal	NOUN
egc-294	81	4	)	)	PUNCT
egc-294	81	5	.	.	PUNCT
egc-294	82	1	3	3	X
egc-294	82	2	.	.	X
egc-294	82	3	world	world	PROPN
egc-294	82	4	bank	bank	PROPN
egc-294	82	5	(	(	PUNCT
egc-294	82	6	2020	2020	NUM
egc-294	82	7	)	)	PUNCT
egc-294	82	8	.	.	PUNCT
egc-294	83	1	uzbekistan	uzbekistan	PROPN
egc-294	83	2	:	:	PUNCT
egc-294	83	3	financial	financial	ADJ
egc-294	83	4	sector	sector	NOUN
egc-294	83	5	assessment	assessment	NOUN
egc-294	83	6	.	.	PUNCT
egc-294	84	1	world	world	NOUN
egc-294	84	2	bank.(report	bank.(report	NOUN
egc-294	84	3	)	)	PUNCT
egc-294	84	4	.	.	PUNCT
egc-294	85	1	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	ADJ
egc-294	85	2	https://www.academia.edu/8519246/philippe_jorion_value_at_risk_the_new_benchmark_for_managing_financial_risk_3rd_ed_2007	https://www.academia.edu/8519246/philippe_jorion_value_at_risk_the_new_benchmark_for_managing_financial_risk_3rd_ed_2007	ADJ
egc-294	85	3	https://www.academia.edu/8519246/philippe_jorion_value_at_risk_the_new_benchmark_for_managing_financial_risk_3rd_ed_2007	https://www.academia.edu/8519246/philippe_jorion_value_at_risk_the_new_benchmark_for_managing_financial_risk_3rd_ed_2007	ADJ
egc-294	85	4	https://www.academia.edu/8519246/philippe_jorion_value_at_risk_the_new_benchmark_for_managing_financial_risk_3rd_ed_2007	https://www.academia.edu/8519246/philippe_jorion_value_at_risk_the_new_benchmark_for_managing_financial_risk_3rd_ed_2007	ADJ
egc-294	85	5	eglobal	eglobal	PROPN
egc-294	85	6	congress	congress	PROPN
egc-294	85	7	hosted	host	VERB
egc-294	85	8	online	online	ADV
egc-294	85	9	from	from	ADP
egc-294	85	10	dubai	dubai	PROPN
egc-294	85	11	,	,	PUNCT
egc-294	85	12	u.	u.	PROPN
egc-294	85	13	a.	a.	PROPN
egc-294	85	14	e.	e.	PROPN
egc-294	85	15	,	,	PUNCT
egc-294	85	16	e	e	PROPN
egc-294	85	17	conference	conference	NOUN
egc-294	85	18	.	.	PUNCT
egc-294	86	1	date	date	NOUN
egc-294	86	2	:	:	PUNCT
egc-294	86	3	30th	30th	ADJ
egc-294	86	4	january	january	PROPN
egc-294	86	5	2025	2025	NUM
egc-294	86	6	website	website	NOUN
egc-294	86	7	:	:	PUNCT
egc-294	86	8	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-294	86	9	issn	issn	PROPN
egc-294	86	10	(	(	PUNCT
egc-294	86	11	e	e	NOUN
egc-294	86	12	):	):	PUNCT
egc-294	86	13	2836	2836	NUM
egc-294	86	14	-	-	SYM
egc-294	86	15	3612	3612	NUM
egc-294	86	16	8	8	NUM
egc-294	86	17	|	|	ADV
egc-294	86	18	p	p	X
egc-294	86	19	a	a	DET
egc-294	86	20	g	g	NOUN
egc-294	86	21	e	e	NOUN
egc-294	86	22	4	4	NUM
egc-294	86	23	.	.	PUNCT
egc-294	86	24	uzbekistan	uzbekistan	PROPN
egc-294	86	25	national	national	PROPN
egc-294	86	26	bank	bank	PROPN
egc-294	86	27	for	for	ADP
egc-294	86	28	foreign	foreign	ADJ
egc-294	86	29	economic	economic	ADJ
egc-294	86	30	activity	activity	NOUN
egc-294	86	31	(	(	PUNCT
egc-294	86	32	2023	2023	NUM
egc-294	86	33	)	)	PUNCT
egc-294	86	34	.	.	PUNCT
egc-294	87	1	annual	annual	ADJ
egc-294	87	2	report	report	NOUN
egc-294	87	3	on	on	ADP
egc-294	87	4	banking	banking	NOUN
egc-294	87	5	sector	sector	NOUN
egc-294	87	6	developments	development	NOUN
egc-294	87	7	in	in	ADP
egc-294	87	8	uzbekistan	uzbekistan	PROPN
egc-294	87	9	.	.	PUNCT
egc-294	88	1	(	(	PUNCT
egc-294	88	2	annual	annual	ADJ
egc-294	88	3	report	report	NOUN
egc-294	88	4	)	)	PUNCT
egc-294	88	5	.	.	PUNCT
egc-294	89	1	5	5	X
egc-294	89	2	.	.	X
egc-294	89	3	oecd	oecd	PROPN
egc-294	89	4	(	(	PUNCT
egc-294	89	5	2020	2020	NUM
egc-294	89	6	)	)	PUNCT
egc-294	89	7	.	.	PUNCT
egc-294	90	1	economic	economic	ADJ
egc-294	90	2	outlook	outlook	NOUN
egc-294	90	3	for	for	ADP
egc-294	90	4	central	central	ADJ
egc-294	90	5	asia	asia	PROPN
egc-294	90	6	:	:	PUNCT
egc-294	90	7	financial	financial	ADJ
egc-294	90	8	sector	sector	NOUN
egc-294	90	9	reforms	reform	NOUN
egc-294	90	10	in	in	ADP
egc-294	90	11	uzbekistan	uzbekistan	PROPN
egc-294	90	12	.	.	PUNCT
egc-294	91	1	6	6	NUM
egc-294	91	2	.	.	X
egc-294	91	3	kozlov	kozlov	PROPN
egc-294	91	4	,	,	PUNCT
egc-294	91	5	v.	v.	PROPN
egc-294	91	6	,	,	PUNCT
egc-294	91	7	&	&	CCONJ
egc-294	91	8	akhmedov	akhmedov	PROPN
egc-294	91	9	,	,	PUNCT
egc-294	91	10	m.	m.	NOUN
egc-294	91	11	(	(	PUNCT
egc-294	91	12	2021	2021	NUM
egc-294	91	13	)	)	PUNCT
egc-294	91	14	.	.	PUNCT
egc-294	92	1	financial	financial	ADJ
egc-294	92	2	innovations	innovation	NOUN
egc-294	92	3	and	and	CCONJ
egc-294	92	4	risk	risk	NOUN
egc-294	92	5	management	management	NOUN
egc-294	92	6	in	in	ADP
egc-294	92	7	uzbekistan	uzbekistan	PROPN
egc-294	92	8	’s	’s	PART
egc-294	92	9	banking	banking	NOUN
egc-294	92	10	sector	sector	NOUN
egc-294	92	11	.	.	PUNCT
egc-294	93	1	central	central	ADJ
egc-294	93	2	asian	asian	ADJ
egc-294	93	3	business	business	NOUN
egc-294	93	4	journal	journal	NOUN
egc-294	93	5	,	,	PUNCT
egc-294	93	6	7(3	7(3	NUM
egc-294	93	7	)	)	PUNCT
egc-294	93	8	,	,	PUNCT
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egc-294	93	10	-	-	SYM
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