فهرست مطالب davoud norouzi

Considering the need to understand and recognize more about the phenomenon of increasing overdue claims in the country's banking system, the purpose of this study was to evaluate the importance and intensity of the influence of internal factors (individual characteristics of the applicants for facilities along with the characteristics of the branches paying the facilities) in the occurrence or non-occurrence of this phenomenon.

In order to achieve this goal, the data collected from nearly 110 users of Bank Shahr facilities in 11 branches of this bank in the northwestern provinces of the country, which were selected through cluster-random sampling, in the framework of the decision tree technique, which is one of the most important data mining techniques. , has been used to model overdue and overdue bank claims in the said bank.

The results of the study have indicated that the decision tree model presented in the study has a high power in correctly predicting the repayment behavior of the loan applicants in Shahr Bank, while in the following, various scenarios for the emergence or avoidance of overdue bank claims in Shahr Bank It has been discussed along with their possibilities.

When paying facilities to applicants, the branch officials should pay attention to the variables of the level of education and gender, and establish an independent validation and follow-up department for pending claims in each of the bank's branches.

The core goal of this study was to simulate the share and predict the current and non-current receivables in Shahr Bank using an agent-based approach. To this end, we employed the data related to the examined features in 11 bank branches aimed at determining the degree of importance of each of the factors affecting the repayment behavior of borrowers using the C5.0 algorithm, the decision tree method, and the simulation process in NetLogo software. We utilized the comparison of the repayment status of a sample of 100 customers over the past year (12 months ago) and at present aimed at assessing the simulated model. The estimation results of the simulation model, as well as the real findings, suggested that the number of type 1 customers (with active repayment status) has decreased during the last 12 months and the number of type 2 customers (with past due repayment status) has enhanced. If the economic recession conditions continue the same way, and considering the low effect of the recession conditions on the businesses of the bank''s customers in the next four years, then, the ratio of the bank''s current customers will decrease from about 89% to about 81%, while the ratio of the past-due customers of the bank will increase to more than double to about 13%. In the next step, we tried to simulate the future situation of the ratio and the share of the current bank customers'' claims in the next 4 years.

This study investigated the effect of environmental uncertainty on the selection of knowledge management strategies in the domain of product. However we investigated the effect of environmental uncertainty on the selection of knowledge detection strategies and knowledge revenue by testing three hypotheses. The statistical universe included chancellors and assistants of universities of Khorasan-e-Razavi that 28 universities and 48 repliers were selected as the sample of study. This study with the view of quarry was sort in applied researches and with the view of method was sort in causal researches. Hypotheses were tested by using regression model and results showed that environmental uncertainty had positive impact on knowledge detection strategies and knowledge revenue in domain of product. Also results cleared the role of knowledge management strategies in the domain of product and prepared perspectives to chancellors of universities to improve their education and research