ปัญหาการใช้บริการสินเชื่อโครงการธนาคารประชาชนที่ลดลงของธนาคารออมสินสาขาเทิง

Abstract

The study of the problem of using for The People Bank Loan Project of Government Savings Bank, Thoeng Branch, Chiang Rai Province. The objective is to study the problems that affect the use of the Government Savings Bank, the marketing mix factors and the problem of service provision of loan employees of the project of the Government Savings Bank, Thoeng Branch, Chiang Rai Province. The samples of 200 were analyzed by frequency, percentage, mean, standard deviation. One-way analysis of variance, t-test and multi regression. The study found that the qualification for a loan was at the moderate level. The solvency the collateral and country had problems at the low level. The capital and the economy is at a moderate level most. problems in the use of services The marketing mix factors that affect the issue using the service. Marketing mix factors affect the problem of using credit services such as products, distribution channels, marketing promotion, employees, physical characteristics, processes and prices, respectively, are intended to use The People Bank Loan of customers Government Savings Bank. The study found that the samples group had the intention to use the loan service for The People Bank Loan of customers Government Savings Bank at the highest level and found that gender, age, education level, occupation, income had a different problem on the use of public bank loan project Marketing mix factors And the problem of credit analysis (6Cs) has an influence on the intention to use the loan service with statistical significance at .05 level.