ปัจจัยที่มีอิทธิพลต่อเงินให้สินเชื่อด้อยคุณภาพสุทธิของธนาคารกสิกรไทย จำกัด (มหาชน)

Abstract

The purpose of this study is to study factors that influence the non-performing loans of  Kasikornbank (Public Company Limited), study on the estimation of multi model with the least squares method and use the secondary data  quarterly year over the 2550-2560 period and a total of 44 quarter. All the variables used in this study including, non-performing loans, the amount of loans, interest rate policy, gross domestic product, customer price index, foreign exchange rate.

          The study found that the variables that affect the net non-performing loans by the relationship was statistically significant including, the amount of loans, interest rate policy, the consumer price index which estimated coefficients then found that the amount of loans and consumer price index has a relationship in the opposite direction with the net non-performing loans.While the interest rate policy has the inverse loans with non-performing loans

          This study shows that the economic factor and the financial factor are the importance variables that affect the net non-performing loans in forecasting operate results under various situations including guidance on how to consider and approve the credit to reduce risk debt overdue problem because it will be non-performing loans in the future.

Keywords

Loans,Net Non – Performing, Kasikornbank Public Company Limited