درخت حوزه‌های تخصصی

The issue of credit risk and deferred bank claims is one of the sensitive issues of banking industry, which can be considered as the main cause of bank failures. In recent years, the economic slowdown accompanied by inflation in Iran has led to an increase in deferred bank claims that could put the country's banking system in serious trouble. Accordingly, the current paper presents a prediction model for credit risk of real customers of Qavamin Bank Branch in Shiraz, using a combined approach of logistic regression and neural network. Therefore, the necessary examinations were carried out on a sample of 351 individuals from the real customers of the bank in the period 2011-2012. According to the information available, 17 variables were extracted including financial and non-financial variables for classifying customers into well-balanced s and ill-balanced s. Among the variables, five effective variables on credit risk were selected using the parent forward stepwise selection technique, which was used to train neural networks with three neurons in the hidden layer. the optimum cutting point was selected based on the performance curve of the system and the results of the neural network output on the test data show that the accuracy of the combined model in the classifier of well-balanced customers is .89 and in the category of ill-balanced customers is .83 that is better than the results of logistic regression and in general, it is possible to estimate the accuracy of prediction.

This paper aims to investigate the role of language as a form of political and social control, and a vehicle for power and domination in Shakespeare’s King Lear and Edward Bond’s Lear on parallel bases. Foucault’s famous statement which refers to power as present “everywhere, not because it embraces everything but because it comes from everywhere” clearly points to the always already presence of power. The issue of power has occupied a central position within his works. In fact, language can reflect truth as false and vice versa to sustain dominant group’s desires. Language can both reflect and affect our perception of the world indeed. In fact, King Lear and Lear are both stages for language game. The paper thus aims to focus on the way language plays a key role in King Lear and Lear as a vehicle for power and how language makes you powerful or how it throws you away to be a margin. The result shows that there is a dual relation between language and power, so that the voice of king is doomed to silence through the function of characters’ powerful language usage. In both plays, King is in the margin and language rules powerfully on socio-political relations. This paper has benefited from library documents and sources by use of a descriptive-analytical method.

Discourse has been one of the most challenging interdisciplinary terms during the past few decades which connects variety of fields of study such as politics, philosophy, sociology, linguistics, and literature. One of the approaches which is born out of mutual interaction between Linguistics and socio-political debates is critical discourse analysis (CDA), which studies the relation between language and power. Among the influential figures of this approach, one may refer to Antonio Gramci, Paulo Freire, and Frankfurt School Critical Theory. Theodore Adorno as one of the key members of this school challenges the basic assumptions of educational system in his writings particularly his essay “Theory of Halbbildung,” by which he meant “Half-education.” In his viewpoint, education is deemed as very forceful, one of the manifestations of power relation, which speaks in its own language to its audience or learners. The present paper is an attempt to analyze the failure of educational system to foster autonomous individuals in Salinger's Catcher in the Rye in the light of Adorno's theory of half-education.