This study aimed to analyze the application of machine learning techniques from artificial intelligence to improve credit risk assessment in Syrian banks. The study sample included historical financial data and demographic information of bank custome
rs. Machine learning methods were used to analyze the data and develop a model for accurately predicting credit risks. Techniques such as random forests and neural networks were utilized for data analysis and model building.
The study found that the use of machine learning techniques, such as random forests and neural networks, can significantly enhance the accuracy of credit risk assessments compared to traditional methods. This improvement helps reduce default rates and increase bank profitability, enhancing financial stability and economic growth. Additionally, the results showed the superiority of machine learning-based models in early detection of potential risks, enabling banks to take effective preventive measures.
The results indicated that applying these techniques contributes to improving banking operations' efficiency and reducing costs, allowing banks to offer better services to customers and enhance their competitive ability in the market. The study also highlighted the challenges associated with integrating these technologies with current systems, including the need for continuous employee training and updating technological infrastructure to ensure optimal use of machine learning techniques.
In light of the study results, the researcher presented several recommendations including promoting the use of machine learning techniques in Syrian banks, providing technical support and continuous training for employees, and leveraging successful global experiences to develop effective strategies for credit risk assessment. The study also recommended establishing specialized units in banks to manage and develop machine learning and artificial intelligence applications.
Keywords: Machine Learning, Artificial Intelligence, Banking Risk, Credit Prediction, Syrian Banks
نتكلم في هذه الورقة البحثية عن الكتب في تاريخ الادب العربي التي لم تكن خاضعة لمنهج محدد بل كانت منهجية شاملة لكل العلوم
During the nineteenth century, the Levant witnessed large migrations of the people of the Levant abroad, and this matter is related to internal factors in the Levant, which is the country from which the emigrant is, represented by the political and religious crises, and the accompanying deterioration of the economic and social conditions in the region.
يمر تعلم اللغة الأجنبية حتما من مسار تعلم الثقافة لٲنّ اللغة تشكل وسيلة لإظهار ثقافة المجتمع الذي يستخدمها٬ بينما تشكل الثقافة بدورها ممراً رئيساً للوصول إلى تواصل ناجح باستخدام هذه اللغة.
The two-and-a-half-year-long Granada period produced the experiences of poets who contributed to the building of the literary and cultural civilization of Granada and wrote to witness the decline of that civilization when Granada fell in 1994.
The research aims to identify the attitudes of faculty members in the Department of Psychological Counseling towards adding a course on the Psychology of crises and traumas to the curricula of the Faculty of Education at Tishreen University.
The current study aimed to investigate the factorial validity of the Mindfulness scale for measuring mental alertness using AMOS software. The study involved (341) male and female students from Tabuk University. Results of conf
irmatory factor analysis supported the scale's construct validity and its suitability for assessing Mindfulness in university students
The problem of the study was launched by revealing the most prominent dimensions of behavioral problems prevalent among basic education students attending Samir Yassin School in Latakia Governorate as a model, in additio
n to identifying the most behavioral problems, which were repeatedly identified in this research in four areas (theft, lying, aggression, anger, and stubbornness). Among members of the research community
The characteristics of slopes determine the features of prevailing geomorphological processes and their implications on practical aspects of human life, represented by land uses. This emphasizes the significant importance of studying slopes when establishing any projects in order to achieve their success requirements and investment potential
This research aimed to identify the effect of SCAMPER program in developing creative thinking among kindergarten children. In order to achieve the research objectives, the quasi-experimental approach with one group was followed based on an application on the group. The research tools were SCAMPER program and Torrance Test of Formal Creative Thinking (B).
