考量實務上授信人員在評估個人信用貸款時，一定會考慮到多項準則與因子並參考過去經驗，同時會涉及核貸人員主觀判斷，具有不確定性、主觀性、不一致性等特性。決策實驗室法 (DEMATEL)具有建立真實社會中議題系統結構的特性，並有計算因素因果關係以提供改善方向的能力，因此許多議題領域應用該方法探討系統結構。故本研究所提三項評估構面，是以DEMATEL為評估方法，經由訪談獲得專家資料，再經由DEMATEL方法計算，得出準則間的因果關係。
結果本研究發現，在三大構面中，借款人基本屬性為因群，而還款來源與授信展望為果群。就原因度來看借款人基本屬性影響性大於還款來源與授信展望，且配合中心度來看還款來源被影響程度最高。故銀行若能針對借款人基本屬性做出更為細緻的分類能有較高的競爭力。
In the assessment of personal credit loans, we will consider a number of criteria and factors and refer to past experience, and will involve subjective judgment of nuclear loan personnel, with uncertainty, subjectivity and inconsistency. The decision-making laboratory method (DEMATEL) has the characteristics of establishing the system structure of the problem in real society, and has the ability to calculate the causal relationship to provide the direction of improvement. Therefore, many problem areas use this method to explore the system structure. Therefore, the three evaluations of the study are based on DEMATEL, the expert information obtained through interviews, and then calculated by the DEMATEL method to derive the causal relationship between the criteria.
People are the source of influence, and the source of Payment and Perspective are affected by people. People have the highest impact, while the Payment is the most affected. So the bank if People to make a more detailed classification can have a higher competitive edge.
