青年創業在當前經濟市場背景下具有重要意義，由於就業結構以及勞動市場的變化下，失業的問題不斷升高，導致民間消費減少、政府福利支出增長及青年創業困難，因此許多青年會以創業為目標。然而，青年在創業初期面臨的是資金缺口，現今政府也積極協助青年創業如何取得貸款資金，其影響銀行評估青年創業貸款的潛在因素就會顯得相當重要。支持和鼓勵青年創業不僅有助於實現年輕人的夢想，更是推動經濟和社會可持續發展的重要力量。政府、企業和社會各界應共同努力，為青年創業者提供良好的環境和支持，促進他們的成功和發展。因此，本研究欲探討銀行在評估青年創業貸款時，需優先評估哪些關鍵因素，方能使資金被有效應用。本研究將透過專家問卷方式蒐集專家的意見，採用網路層級分析法(Analytic Network Process)進一步分析數據，以評選出優先衡量青年創業貸款金之關鍵因素。
Youth entrepreneurship is of great significance in the context of the currenteconomic market. Due to changes in the employment structure and the labor market, the problem of unemployment continues to rise, leading to a decrease in private consumption, an increase in government welfare spending, and difficulties for young people to start their own businesses, many young people are aiming to start their own businesses.
However, as young people face a shortage of capital at the early stage of business start up, and as the Government is now actively assisting young people in obtaining loan funds for their business start-up, the potential factors affecting banks' assessment of loans for young people to start up their own businesses will become quite important. Supporting and encouraging youth entrepreneurship not only helps realize young people's dreams, but is also an important force in promoting sustainable economic and social development. The government, enterprises and all sectors of the community should work together to provide a favorable environment and support for young entrepreneurs to promote their success and development. Therefore, this study aims to investigate what are the key factors that banks should prioritize when evaluating youth entrepreneurship loans in order for the funds to be used effectively. The study will collect experts' opinions through questionnaires and analyze the data by using the Analytic Network Process (ANP) to identify the key factors that should be prioritized when evaluating the Youth
Entrepreneurship Loan.
