2026-yil, 10-son · 193–198-betlar
Правовой режим Big Data в банковском секторе в контексте регулирования искусственного интеллекта: сравнительно-правовой анализ
Annotatsiya
Maqolada bank sektorida katta ma’lumotlar (Big Data) texnologiyalarining huquqiy rejimi sun’iy intellektni huquqiy tartibga solish nuqtayi nazaridan tadqiq etiladi. Yevropa Ittifoqi, Xitoy, Rossiya va O‘zbekiston qonunchiligining qiyosiy-huquqiy tahlili asosida huquqiy tartibga solishdagi tizimli bo‘shliqlar, jumladan, katta ma’lumotlarning mustaqil huquqiy maqomi mavjud emasligi, algoritmlar yordamida qabul qilinadigan qarorlar uchun fuqarolik-huquqiy javobgarlik masalalari yetarli darajada tartibga solinmaganligi, shuningdek, bank ma’lumotlarining kimga tegishliligi borasidagi huquqiy noaniqliklar aniqlangan. Katta ma’lumotlar uchun maxsus huquqiy rejimni joriy etish, javobgarlikni farqlash hamda “umumiy raqamli aktiv” konsepsiyasini ishlab chiqish zarurligi asoslab beriladi. Tadqiqot natijalaridan O‘zbekiston Respublikasi qonunchiligini takomillashtirishda foydalanish mumkin.
Abstract
This article examines the legal framework governing Big Data technologies in the banking sector from the perspective of artificial intelligence regulation. A comparative legal analysis of the legislation of the European Union, China, Russia, and Uzbekistan reveals systemic gaps in the existing legal framework, including the absence of an independent legal status for Big Data, insufficient regulation of civil liability for decisions made using algorithms, and legal uncertainty regarding the ownership of banking data. The article substantiates the need to establish a special legal framework for Big Data, introduce a differentiated liability regime, and develop the concept of a “shared digital asset.” The findings may be used to improve the legislation of the Republic of Uzbekistan.
Iqtibos uchun
Чарос Абдуназарова. Правовой режим Big Data в банковском секторе в контексте регулирования искусственного интеллекта: сравнительно-правовой анализ // Adolat. – 2026. – № 10. – С. 193–198.