الفهرس 
acknowledgmentOnly 14 pages are availabe for public view
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Abstract
Nowadays, commercial risk assessment has become the major concern of banks since they are faced with severe losses of unrecoverable credit.
The proposed system is a hybrid Intelligent System that combines the Neural Network and Expert System technologies. It deals with the credit decision in the two phases of loan granting and follow-up.
The first subsystem analyzes the financial performance of every client based on quantitative and qualitative information so as to take the decision of whether to grant or reject the loan. Then, the second subsystem starts following up the granted loan. If the customer refrains from paying, it calculates his credit rating. If the customer credit rating is bad, it analyzes the problem causes and reasons and accordingly takes the suitable remedial action.
When tested, the system proved to be efficient.