بررسي نقش سيستم خبره‎ي هوشمند براي ارزيابي سازمان‎هاي رقابتي (موردكاوي: مديريت پرداخت وام‎هاي بانك‎هاي خصوصي ايران)

The Role of Expert systems for Evaluation of Competitive Organizations (Case Study: Management of Loans by Private Banks

امروزه اهميت انتخاب درست طرح‎هاي سرمايه‎گذاري در كشور بسيار روشن است. اگر روشي صحيح بر پايه‎ي الگوي علمي براي سنجش طرح‎ها و معيارهاي مناسب جهت تخصيص منابع و برنامه‎ريزي وجود داشت، هم‎اكنون شاهد نيمه‎كاره‎ ماندن يا غير اقتصادي شدن بسياري از طرح‎ها نبوديم. در بخش خصوصي شرط سودآوري محض ملاك بوده، اما از ديد مسيولان دولتي، عوامل ديگري ازجمله ضرورت اجراي طرح و ملاحظات سياسي و... مدنظر است. سرمايه‎گذاري و نحوه‎ي ارزيابي طرح‎ها در بانك‎هاي خصوصي ايران از يك سو بايد به مقوله سودآوري طرح و از سوي ديگر بايد با برنامه‎هاي توسعه‎ي دولت و طرح‎هاي كلان كشور هماهنگ باشد. سيستم خبره ارايه‎شده در اين پژوهش، بر اساس عوامل كمّي و كيفي مطرح از نظر كارشناسان در فرآيند ارزيابي درخواست وام بانكي در يك بانك خصوصي است. براي ارايه‎ي اين سيستم خبره با مطالعه‎ي مستندات بانك و مطالعات انجام شده در دنيا و استفاده از مصاحبه و پرسش‎نامه‎ي چارچوب تصميم‎گيري، سيستم خبره ارزيابي معيارهاي مطرح براي رد يا پذيرش درخواست وام‎هاي بانكي مشتريان ارايه مي‎شود.

The importance of the right choice of investment projects is very clear in our own country so that if the correct method based on pattern and scientific criteria for assessing specific plans and measures suitable for budgeting and resource allocation and planning had already seen half the work, or stay and become many non-economic plans. Private sector profitability condition as the criterion of governmental authorities saw the necessity of other factors including political considerations and design. Investment banks and commercial evaluation of projects in one hand and plan to be profitable categories on the other hand should develop programs and projects coordinated macro country. In this study, using the experiences of Iranian experts in providing loans to customers, a model was provided to be an expert system. The expert system presented in this study based on quantitative and qualitative factors considered in the evaluation process, experts from the banking loan requests is a private bank. To provide the expert system, the Bank study documents and research in the world and using interviews and questionnaires framework decision proposed expert system evaluation criteria for acceptance or rejection of requests bank customers are offered loans.