The use of the artificial intelligence techniques in evaluating the credit risk in the commercial banks: the artificial neural networks model

الملخص EN

The goal of this paper is to study the possibility of applying the model of artificial neural networks Ann in assessing the credit risk in the commercial banks in general.

therefore, we applied Ann on the data obtained from the agriculture and rural development bank Badr of Adrar.

the study has been conducted on 172 companies (healthy companies and in deficit companies) that got one or more credits from the bank.

the sample companies had been chosen at random from a population that included 933 companies.

after the application of Ann, we found out a positive relation between Ann and the credit evaluation.

the correct classification rate of the model reached 97.71%.

finally, we recommend, the integration of Ann in banks because it is one of the modern tools that save time and effort and give exact data.