one of the most important issues always facing banks and financial institutes is the issue of credit risk or the possibility of failure in the fulfillment of obligations by applicants who are receiving credit facilities. the considerable number of banks’ delayed loan payments all around the world shows the importance of this issue and the necessary consideration of this topic. accordingly, many...

background : in medical studies, when the joint prediction about occurrence of two events should be anticipated, a statistical bivariate model is used. due to the limitations of usual statistical models, other methods such as artificial neural network (ann) and hybrid models could be used. in this paper, we propose a hybrid artificial neural network-genetic algorithm (ann-ga) model to predictio...

A logistic network is a favorable environment for companies to collaborate together in order to improve the quality of a service or a product and to surmount some problems. In this paper, we present a logistic network conception which is based on multi-agents systems and which takes into account security aspects.