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The Use of Genetic Algorithms in the Process of Distribution of loans in Banks | ||
| Economic Sciences | ||
| Article 1, Volume 9, Issue 35, 2014, Pages 121-134 PDF (0 K) | ||
| Author | ||
| Assist. Lec.Bushra A. Shtayt | ||
| Abstract | ||
| Banks are the financial institutions that provide the customers with money services like loans which they need for implementing investment or personal projects which they play a great role in the economic development and the prosperity of the country, thus, the private sector has had an effective contribution to compete with the public sector, since there are a large number of customers it should develop a mechanism of regulation requires precision and flexibility to handle those loans , it should be there a mechanism of organization(order) that has accurance and flexibility in dealing with the distribution of these lends accurately to overcome any way that may cause damage to the two hands(lender and the bank).For the aim of the huge increase for using banks in providing lends and the increase of operations (ways) used here, and to overcome any money problems followed by officials in granting lends for unqualified persons or they not cover the terms (conditions) used by the bank. Therefore, it is necessary now to use expert system that presents the experts and rules used by the bank, to help the banks in taking any decisions to overcome such problems. The government and local banks suffer from problem of distributing lends in an ideal way, depending on the information that the lender provides specially, when there is a great number of lenders; This work needs great efforts in the process of choosing and distributing the lenders in the disable systems. The use of data rule system (Access) in writing the important data (information of the lender and the bailer as well) for the experted system, and then building to select the lender depending on data of evaluation stand on some important fields that found within the main data base and by using the language of visual basic VB. | ||
| Keywords | ||
| Artificial intelligent; loans; Data base banking | ||
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