The banking industry plays an intermediary role in the entire range of economic activities in which institutions use their own credit to absorb idle funds from governments, enterprises, families, and individuals, lend funds to those in need, and inject funds into production and non-production activities in order to boost overall economic development. In this paper, we propose an evaluation model for emerging industry credit ability. First, we present an evaluation framework using the modified Delphi method. Next, the relative weights of evaluation criteria are determined using the analytic hierarchy process (AHP) model. Thereafter, a case study is presented for demonstrating the proposed evaluation model. Using the AHP-based decision-making method to construct an evaluation model can serve as a valuable reference for decision-makers or bank administrators for evaluating emerging industry credit ability, thereby enabling them to identify firms for bank loans risk management, which involves irrecoverable loans or credits. Therefore, the model will be highly applicable for academic and commercial purposes.
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