This study focuses on bank credit assessment on the construction industry of the key factors. Assessment of the structure of credit factors, first of all through literature analysis, assessment of risk factors defined pooled, and then determine the factor indicators through expert questionnaire, and DEMATEL was used to analyze the assessment of a causal relationship between risk factors and the relative weights to build up a set of specific Risk assessment model to provide the bank as a reference.
The results found that "regional environment of buildings"," governmentpolicy ", and "planned characteristics of buildings" are all-important indicators when Bank assess the credit of construction industry. In addition, the "ability to repay construction companies and financial structure ", "building types and scales of business organizations ", "relationships with correspondent Bank "can be considered as mean-important factors when Bank assess the credit of construction industry. Therefore, this ttudy suggested that Bank should pay high level attention to "regional environment of buildings" when assess loans to building contractors. Besides, bank should plan and revise its loan policy by reacting and establishing new models in time according to government policies, such as The Land Policy and The Land Use Restrictions made by Ministry of Interior; The Credit Control Policy made by Ministry of Finance, in order to avoid the risks of loan.
