| Summary: | 碩士 === 朝陽科技大學 === 財務金融系碩士班 === 91 === Liberalization of financial markets caused inflation in the numbers of domestic banks. The administrators often neglect the importance of credit Quality under business pressure. Domestic Banks led by governmental financial open policy, further prompted by the entry of WTO, banking environment has faced with unprecedented competitive pressure, particularly in the traditional loans sectors. As the result of fierce competition, causing fallen-off in loan quality, especially at the time of economic downturn, risks of banking industry rises exponentially. Consequently, how to promote bank loan quality for the purpose of reducing non- performed loans (NPL), bank loans risk management can not shun away from its keen responsibilities.
This research reports the results of business loan process by the bank where the analytic Hierarchy Process（AHP）and Multi-criteria Evaluation with Qualitative and Quantitative Data（MQQD）technique were employed to evaluate the business loan.
The experiment results present that highest four evaluation criteria are cash flows from operating activities/short-term loan（17.68％）、a company in the past whether to go past a loan time limit、bad debt and refund for a ticket（9.76％）、current assets/current liabilities（7.58％）、quick assets/current liabilities（7.57％）.
Multi-criteria Evaluation with Qualitative and Quantitative Method is employed to built a decision making evaluation model. These results can help decision marker to adjust business loan process by the bank.
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