การศึกษาถึงกลยุทธ์การบริหารสินเชื่อที่ไม่ก่อให้เกิดรายได้ กรณีศึกษา : ธนาคารพาณิชย์แห่งหนึ่ง / อติพล ศุภธนะอนันต์ =Strategy for non-performing loans management case study of a Commercial Bank” / Atiphol Subhadhana-anant
The purpose of this research is to define the strategy of managing the Non-Performing Loans (NPLs) of a bank. This research applied basic information of the bank, the causes of NPLs and writing off, existing preventive and corrective strategies for NPLs, NPLs data and bad debt recovery data in order to find the new way for strategic analysis in terms of prevention and correction NPLs and following bad debt recovery. The study adopted SWOT Analysis and Function Analysis. The study finds that a bank’s strengths and opportunities from SWOT analysis should be considered to formulate the strategy to reduce NPLs and follow bad debt recovery. Whereas, the bank’s weakness should simultaneously corrected to prevent existing of new NPLs over the acceptable level. The researcher proposed the strategy to follow NPLs for the bank in order to formulate more effective strategies as follows: 1.) prevention existing of NPLs by following behindhand debtors early, especially loans issued since 2005 2.) debt restructuring by adopting the government’s policy 3.) defining objectives, following bad debt recovery, and reducing NPLs cooperatively by paying attention to more appropriateness and incentive. To conclude, implementing the above strategies and the action plan will be able to help this bank protect new NPLs and attain bad debt recovery approximately 2,047 million bahts in accordance with a bank’s forecast its turnover.
