Int. J. of Electronic Finance   »   2011 Vol.5, No.3



Title: Risk indicators of e-credit assessment system


Author: Ching-Wen Lin


Address: Graduate Institute of Management, National I-Lan University, 1, Sec. 1, Shen-Lung Road, I-Lan, 260, Taiwan


Abstract: This paper is to identify the indicators credit providers consider in lending decisions and provide SME Guarantee Funds for constructing an e-credit self-assessment system. This paper consists of three stages. First is to perform an initial screening of the indicators, based on the opinions of experts, to enhance the expert and content validity of the questionnaire. The second is to establish relationships among the indicators with the DEMATEL method. Correlated indicators should be combined, then identify the weightings of the individual indicators using ANP. The result shows risk assessments and competent authorities are the most important constructs, followed by the constructs of financial institutions and SMEs.


Keywords: electronic finance; e-credit self-assessment; credit assessment; project finance; risk management; e-finance; electronic credit; risk assessment; lending decisions; SME Guarantee Funds; SMEs; small and medium-sized enterprises; SME finance.


DOI: 10.1504/IJEF.2011.041338


Int. J. of Electronic Finance, 2011 Vol.5, No.3, pp.235 - 248


Available online: 16 Jul 2011



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