消費者貸款因利差較高、具高收益性，且產品多樣化，目前已成為各銀行主力發展業務，加上現代個人消費需求增加，消費性貸款餘額逐年增加。放款案件之良窳對於銀行的收益具有相當大的影響，故放款人員對於授信風險因素的認知相對之重要。 本研究目的主要探討放款人員其對相關授信風險因素的重要性是否會因工作輪調後會有所改變。以問卷調查法，針對本國銀行放款人員進行分析。研究結果發現: 1、銀行放款人員對工作輪調具有正面認知。 2、工作輪調對銀行放款人員的授信風險因素重要性的認知是有正向影響的。 3、經驗慣性越高，銀行放款人員對授信風險因素重要性的認知越高。 4、知識慣性對於銀行放款人員於工作輪調影響其授信風險因素重要性認知的改變具有中介效果。 5、職務不同，其對授信風險因素重要性的高低有所不同。 Consumer loans are high interest rate, high profitability and diverse products. It has become the main business development in the bank. Due to the individual consumption demand increase, the consumer loans also increase years by years. Because quality controlling of loan have a huge impact for bank’s earning, so it is important that bank lending staffs have known the credit risk factor. The research purpose that if the job rotation and knowledge inertia will be influence the credit risk factors or not. The investigation of domestic bank lending staff been analyzed by questionnaire. The research results are the following: 1、Bank lending staff has positive perception of job rotation. 2、Bank lending staff”s perception of job rotation have positive impact effect to the importance of credit risk factors perception. 3、Bank lending staff with the more experience inertia, the more importance of credit risk factors perception they have. 4、Bank lending staff”s knowledge inertia does mediate the relation between staff”s perception of job rotation and the importance of credit risk factors. 5、Different position lever of bank lending staff have different importance of credit risk factors perception.