علیرضا ناصر

One of the most common causes or credit phenomenon that is taken into account for credit risk is the customer’s noncompliance with the commitments. Thus, by predicting the behavior of loan applicants, the growth rate of debts can be decreased. Hence, this study is conducted on corporate applicants for loans in one of the public banks in Iran. In this paper, the main elements comprising the customers’ behavior are selected with the help of categorized sample collection of 521 random samples from all corporate applicants. the process of data preparation, then, is accomplished by summarization, integration, and interpolation of some lost data. In the next step, 85 key performance indicators are selected for modeling. In order to measure the importance degree of the affecting elements on the customers’ behavior, the decision tree، neural net algorithms and Support Vector Machine were applied, the decision tree algorithm with 14 percent average absolute error, having the highest degree, was recognized as the top algorithm capable of assessing the probability of defaults. Finally, based on the available data and according to the results of the CHAID decision tree, contract maturity, amount of interest, number of installments, operating profit to asset, type of contract, average debt  in 3 months ago and loan amount are the most important indicators affecting the customers’ behavior. Taking these indicators into account, before granting the loans, could have a significant role in the prediction of the customers’ behavior and the related decision making.
 

Irrefutable examples of freedom of thought such freedom of expression, religion, conscience, education, press and publications, access to data, radio and television, are the most natural and the most genuine individual rights and democracy and human dignity that lack of guarantees and support of these rights, are for dictatorships and authoritarian regimes. On the other, the rights and freedoms referred in shelter consistency of the rule of law and without of it, the guarantees of the rights and freedoms will not be achieved. because the rights and duties of rulers and citizens should be in the form of constitution framed to all the officials and political institutions are subject to legal rules and no one has the right to limitation of rights and fundamental freedoms, including the rights and freedoms of thought, but not in the context of certain rituals and laws. In this regard, Egypt's new constitution is not an exception and it has decreed rights and freedoms of thought in the light of the rule of law