النظام الخبير: مدخل استراتيجي لرفع من فعالية اتخاذ القرار الائتماني: دراسة على عينة من البوك التجارية بولاية عين الدفلى

Abstract EN

This study aims to demonstrate the effect of using expert systems in increasing the effectiveness of the credit decision-making process at the level of commercial banks in the state of AinDefla.

for the purpose of addressing the problem of the research, a questionnaire was designed and distributed to individuals working in banking agencies, who are qualified to make credit decisions there.

the statistical package for social sciences SPSS 23 was used to analyze the data, as well as several statistical methods.

after analyzing the questionnaire, it was concluded that the application of expert systems has a significant effect on raising the effectiveness of the credit decision-making process.

the study showed that 92.1 percent of the quality and accuracy of credit decisions is explained by the adoption of on expert systems and the rest is due to other factors.

and that 93.6 percent of the speed of the credit decision-making process is explained by the reliance on expert systems.

the study recommended the need to rely more on expert systems in Algerian banks, especially since it is one of the most important applications of artificial intelligence used in the field of decision-making support.