ตัวแบบการจัดการความเสี่ยงการให้บริการสินเชื่อของธนาคารกรุงเทพ จำกัด (มหาชน)

Abstract

This research were qualitative and quantitative method aim to evaluate the significant level of risk factors from borrower, significant level of risk factors used in risk management, found relative between risk factors from borrower significant level of risk factors used in risk management, and credit risk management model of Bangkok Bank Limited (Public) Company, by simple random sampling 199 respondents. Questionnaire was the tool to collecting data with validity at level.88and Reliability at level .85 The analysis was conducted by computer software, statistical treatments by program computer namely: frequency, percentage, mean, standard deviation, ranking, Pearson correlation, and Step white multiple regression analysis Step white at significant statistics level at .05 research found that. 1. The majority of respondents were female 119 respondents (59.8%), their age between 26-40 years old 97 respondents (48.4%), education attain bachelor degree 128 respondents (64.3%), average income per month 25,001–40,000 Baht 93 respondents (46.7%), and working experience less than or equal tween 10 years 122 respondents (61.3%) 2. Finding indicated that overall and every area of risk factors from borrower of Bangkok Bank Limited (Public)Company were at high significance level, However, the raking of risk factors from borrower by mean, first were collateral area (X=4.18), characteristic area ( =4.17) capacity area ( =4.15), environment area ( =4.12), purposive of borrower ( =4.07) and capital area ( =4.05) at high level respectively. 3. Finding indicated that overall and every area of risk factors used in risk management of Bangkok Bank Limited (Public) Company were at high level, raking by mean first credit process area ( =4.20), credit control system ( =4.18), credit management process (evaluated and follow up risk) ( =4.15) and credit environment area ( =4.05) at high level respectively. 4. Hypothesis tested finding indicated that There were significant relationship between risk factors from borrower and risk factors used in risk management of Bangkok Bank Limited (Public) Company at low level positive direction in term of credit process area, credit control system, credit management process (evaluated and follow up risk) and credit environment area. 5. Credit risk management model of Bangkok Bank Limited (Public) Company = 151.526+6.117 collateral area +4.178 characteristic area +4.119 capacity area +4.055 purposive of borrower +4.012 environment area +2.921 and capital area