FACTORS AFFECTING NON-PERFORMING LOANS ON ALL SAVINGS OF GOVERNMENT SAVINGS BANK AT NONTHABURI 2

Abstract

The Savings Bank is a state-owned financial institution. To play a role and to pursue financial policy in line with the country's service policy. The financial institution. To save and become a financial institution to provide credit services focusing on the foundations of the Thai economy.               

                The purpose of this study was to investigate the factors influencing non-performing loans (NPLs) to total loans. The government savings bank in Nonthaburi 2 will be able to analyze the factors. This is a risk that the Government Savings Bank has to take into account in its credit policy. Econometric study of regression analysis. To illustrate the relationship between variables. Secondary data is used. From the first quarter of 2013 to the fourth quarter of 2017       

                The study indicated that The Consumer Price Index (CPI) and Gross Domestic Product (GDP) and Loans of Government Savings Bank, Nonthaburi 2 (LOAN) are not correlated with NPLs. Total loans of Non Government Savings Bank 2 are significant at  5 percent     

In terms of the minimum loan rate, the term of the savings bank (MLR) is related to the ratio of non-performing loans (NPLs) to total loans of the Government Savings Bank, Nonthaburi 2. 5 percent, which is in accordance with the assumptions set forth and based on the concept of the cause of arrears. (Chanin Pittayodhet, 1991). Change in interest rates It may be due to external factors such as economic conditions (eg GDP). The change in interest rates was correlated with the non-performing loans (NPLs) of the Government Savings Bank, Nonthaburi 2. But in external factors. Gross domestic product (GDP) does not affect the ratio of non-performing loans (NPLs), which may be due to investment policy. This is not a direct result of this research. It can be said that there is no relationship with non-performing loans (NPLs) of Government Savings Bank, Nonthaburi 2.