A hitel meg nem fizetési kockázatkezelés kognitív mintainak vizsgálata
DOI:
https://doi.org/10.35551/PFQ_2026_2_7Kulcsszavak:
kognitív modellezési technológia, kognitív térkép, váltási folyamat, alternatívák generálása, hatás-konszonancia, disszonancia-hatások, C01, G3Absztrakt
A választott kutatási téma jelentősége a gazdasági cserék egyre növekvő összetettségéből, a bankfelügyeletre vonatkozó szigorúbb követelményekből, valamint a kockázatkezelés fejlesztésének egyre nagyobb szükségességéből fakad. A globális pénzügyi bizonytalanság és az információáramlás felgyorsulása miatt a banki kockázatok értékelésének hagyományos módszerei már nem feltétlenül megfelelőek. Ez a tanulmány olyan innovatív keretrendszereket vizsgál, amelyek képesek nagy adathalmazok önálló feldolgozására, a potenciális veszélyek előrejelzésére és hatékony kockázatcsökkentési stratégiák kidolgozására. A kutatás általános tudományos módszereken, például elemzésen, szintézisen, osztályozáson és irodalomáttekintésen alapul. Az eredmények arra utalnak, hogy a kognitív modellek beépítése a banki kockázatkezelésbe a hagyományos gyakorlatoktól egy adaptívabb és előrejelzőbb megközelítés felé való elmozdulást jelent. Bár ezek a modellek jelentős potenciállal rendelkeznek a banki kockázati gyakorlatok javításában, a pénzügyi szektorban továbbra is alulhasznosítottak. A tanulmányban javasolt kognitív keretrendszer jelentősen javíthatja a döntéshozatal hatékonyságát és csökkentheti a kötelezettségeket, gyakorlati értéket kínálva, különösen dinamikus piaci körülmények között.
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