臺灣的金融機構多數以傳統放款業務為主。建築業授信業務是銀行重要的業務之一，亦為銀行收益的主要來源。不動產資產作為銀行的主要擔保品，資產品質的好壞攸關銀行經營安全性的高低。如果授信資產品質不佳，銀行經營的安全性就會受到威脅。本研究藉由決策實驗室分析法（DEMATEL）來瞭解銀行業者面對建築業融資授信的關鍵影響因子及因子間的因果關係。研究結果發現「建案區域環境」、「政府相關政策」、「建案規劃特性」為影響銀行對建築業授信評估相對重要原因度指標。故建築業者可將研究結果作為調整營運策略之參考，改善關鍵因子以順利取得銀行融資授信之核貸。

Taiwan's Bank mainly engaged in traditional lending business. Construction Industry's credit business is an important business of bank. It is also the bank's main source of revenue. Real estate asset is the bank's primary collateral. The quality of the assets will relevant to banking security. This study use DEMATEL to understand the crucial factor of construction Industry's Credit Business and the causal relationship. The results showed that ”building regional environment”, ”government policy”, ”construction plan characteristics” are most important indicators. Therefore, the construction industry can use this study to adjust business strategy.