การจัดการเงินกู้สวัสดิการทหารโดยผ่านธนาคารทหารไทย / ทัศนีย์ มุสิกเจริญ = The management of Thai military welfare loans through Thai Military Bank / Tussanee Musiccharearn
The Thai military Bank is the financial institution that plays a very important role in servicing welfare loans to the Thai military. The objective of this research is to study the financial services which The Thai Military Bank offers to the military, to study the management of Thai Military Welfare Loans, and to explore the military’s opinions on the management of the Thai military Welfare Loans. The study reveals that the Military Welfare Loans is classified into five main items; The Pledged Assets Military Welfare Loan; The Pension Military Welfare Loan and The Housing Loan. This study proves that the military is satisfied with The Thai Military Welfare Loans services. Furthermore, most of the military fell that the Military Welfare Loans can solve their financial problems and create their morale. Yet, the bank’s information service to the military is not quite adequate because those who have obtained The Military Welfare Loans knew these kind of services from their own military departments and from the people they work with rather than from the bank directly. Because of the country’s economic difficulties today, most of Thai military are suffering from the high cost-of-living. They need many kinds of welfare from The Thai Military Bank to solve their financial problems. Most of the Military Welfare Loans which they have obtained most is The Three-Month Salary Loan, the second one is The Pledged Assets Military Welfare Loan. These Loans can be of a relief when they are lack of money to obtain a house and for family expenditures. These are short-term loans, the monthly payment can be done by cash or to be made through account. Obstacles and problems of the Military Welfare Loans are the effectiveness of the operation, the competitive condition among the commercial banks and other the financial institutions, the economic fluctuation, the employees, the office equipment and the public relation. Although, The Thai Military Bank has provided many kinds of military welfare, The Thai Military Bank Should improve its own public relation system to make it know among the military.
