چکیده:
In this study, the expert system considered customer financial ratios as input and prediction
of credit risk level as output. This study was a descriptive-case study research. The
population consisted of credit experts of Tejarat bank who were the member of bank’s credit
Committee and had the right to vote for facilities approval and the individuals whose main
task was providing reports for granting facilities and monitoring the use of facilities. After
an initial interview and determining the evaluation criteria for facilities and determining the
items for each of the criteria, a questionnaire was designed using Likert scale. Data
normality test was conducted to ensure the accuracy of the collected data. T-test was
performed to realize the selected criteria are important. Then, experts were asked to
determine the minimum score for providing the facility to the applicant in each section of
the questionnaire. The laws of expert system were provided based on determined minimum
scores.
خلاصه ماشینی:
Thepopulation consisted of credit experts of Tejarat bank who were the member of bank’s creditCommittee and had the right to vote for facilities approval and the individuals whose main task was providing reports for granting facilities and monitoring the use of facilities.
Then, experts were asked to determine the minimum score for providing the facility to the applicant in each section of the questionnaire.
com Peer review under responsibility of UCT Journal of Research in Science, Engineering and Technology Hoseini Volume 5 Issue 2 June 2017 INTRODUCTION Along with development of intelligent decision-making systems such as expert systems, artificial intelligence, and decision-making support systems, the banks have also been affected.
Therefore, the banks may use intelligent systems to implement evaluation and selection and simplify loan applications assessment.
However, the research questions are as follows: Whether the use of expert system for granting credit facilities creates a framework to grant facilities?
Whether the use of expert system for granting facilities increases profitability and reduces banking charges?Methodology The present study is a fundamental research; because it aimed to explain the relationship between consumer credit and credit risk and add to the collective knowledge in this area.
The population consisted of credit experts of Tejarat bank who were the member of bank’s credit Committee and had the right to vote for facilities approval and the individuals who their main task was providing reports for granting facilities and monitoring the use of facilities (N=25).
Question 2: Whether the use of expert system for granting facilities increases profitability and reduces banking charges?