The criteria for pivotal load officers and credit analysts in the business of lending to SMEs of kasikorn bank public company limited and siam commercial bank public company limited in bangkok and its vicinity

Abstract

The objectives of this research are to study the credit consideration's criteria, the opinion about credit analyzing for SMEs business of the credit analysts, and the problems of the credit consideration process of SMEs business in Kasikorn Bank Public Company Limited and Siam Commercial Bank Public Company Limited. The sample groups are 181 credit analysts of Kasikorn Bank Public Company Limited and 219 credit analysts of Siam Commercial Bank Public Company Limited. The collected data by questionnaire. The result of this study is the main information which the questionnaire answerers use for credit consideration are the personal document of borrower. The most important information use is the current account statement. The financial statement which is used in credit consideration, the most important is income statement. The objective of using financial statement in credit consideration is analyzing the solvency. The important transaction in financial statement which is used for credit consideration are profit/loss and revenue/expense. To give priority to the qualitative analysis, the result is the majority of questionnaire answerers give priority to collateral, the majority of questionnaire answerers give priority to the statement of cash flow. The opinion about the problem of credit consideration process, the result is the majority of questionnaire answerers give priority to look for the customers. The result of assumption test is the overall qualitative analysis, quantitative analysis and problems in credit consideration process are different.