การวิเคราะห์ความน่าจะเป็นของการผิดนัดชำระหนี้ของลูกค้าธนาคาร กรณีศึกษา ลูกค้าข้าราชการครู และข้าราชการองค์กร ปกครองส่วนท้องถิ่นของธนาคารกรุงไทย สาขาฮอด

Abstract

The objective of this study was to analyze the probability of default of bank loan default of clients. And compare the leverage behavior of high-end customers, and customer default on debt payment using descriptive analysis, and use a probit model identify factors that affect the chances of default of debt defaulted clients. The results of the study showed that there are 7 factors that affect debt default: gender factor, Monthly income factor Monthly expenditure factor Bank interest rate factor Factors for loan repayment services Loan Purpose Factors, And loan collateral factors The factor affecting the likelibood of debt default is the gender factor. With male characteristics Monthly expenditure factor and objective factors of the loan. It is for consumer purposes, therefore, the consideration of lending to new customers of the bank should be based on gender, monthly income. Bank interest rate Loan Payment Service Loan collateral of customers, Especially in terms of expenses per month and the purpose of the loan of customers thoroughly before the credit approval. This is an important factor affecting the chances of bank default.