Impact of stock price from massive flow of MSCI ThailanA case study on default risk analysis for personal loan and corporate loan of a commercial bank in Thailand / Phannisa Sa-ardthumvong= กรณีศึกษาหลักการวิเคราะห์ความเสี่ยงในการผิดนัดชำระหนี้ของลูกค้า ประเภทบุคคลธรรมดาและนิติบุคคล / พรรณิศา สอาดธรรมวงศ์
- หน้า, ตาราง
The purposes of the study are to understand overview of default risk analysis for personal loan and corporate loan of a commercial bank in Thailand. The study was conducted by collecting secondary data, e.g. overview of Thailand economy, household and SMEs’ financial access survey report, principle of credit analysis in credit approval including a lot of different proxies used in each era and examples of credit approval in personal and corporate loan. These information were collected from reliable sources, analyzed in order to support no matter how much time has been passing (before or after 1997 Tom Yum Gong financial crisis), in points of creditors’ view, they always analyze the same questions to find the answer for underwriting decision. “Should lenders lend money for borrowers?” These refer to borrowers ‘creditworthiness. Lenders only focus on two main parts which are ability to repay and willingness to repay to evaluate borrowers ‘creditworthiness. However, the ways to find these answers have been changing in each era by using different proxies to evaluate. As there are many constraints of finding resulting in financial gaps. For example, there are still some groups of borrowers who cannot access external sources of fund due to some constraints of financial accessibility such as lack of collateral, asymmetric information etc. Nowadays, Big Data or Fin Tech considered as one of effective tools helps lenders to solve or alleviate these problems less. The results of the study show the reasons and effects in household and private sectors’ obstacles of financial accessibility in Thailand. Meanwhile, this study shows new innovative methods of lending which enter to help and solve the problems in order to support and drive the national economic system as well.