กลยุทธ์การพิจารณาสินเชื่อรูปแบบใหม่ภายหลังสถานการณ์โควิด – 19 สำหรับผู้ประกอบการธุรกิจขนาดกลางและขนาดย่อมของสำนักสินเชื่อธุรกิจลูกค้า SMEs 18 ธนาคารออมสิน

Abstract

The objectives of this study are to examine approaches for loan approval and analysis strategies for considering new loans after COVID-19 situations for SMEs and to compare the opinions on the approaches for loan approval and analysis strategies for considering new loans between SMEs business relations officers of the Government Saving Bank and SMEs entrepreneurs. This mixed-method study conducted the qualitative study part with in-depth interviews as the research instrument to gather information for further qualitative analysis from the sample group of 6 people. For its quantitative study part, the data was collected from two sample groups: a group of 67 SMEs business relations officers of the Government Saving Bank and a group of 200 SMEs entrepreneurs. Consequently, this set of data would be analyzed by the descriptive analysis method and T-test (Independent Sample T-test). The results of this study found that the approaches for loan approval were categorized into 4 processes: the application, the value and collateral examination, the loan examination, and the loan disbursement. The loan examination was divided into two parts, namely the qualitative analysis using the principle of 6C’s and the quantitative analysis using financial statements. Furthermore, this study revealed the overall level of agreement about the approaches and the analysis strategies for new consideration in loans approval between the SMEs business relations officers of the Government Saving Bank and the SMEs entrepreneurs showed indifference. However, while the quantitative analysis of individual factors in analysis strategies for loans approval illustrated indifference, the overall qualitative analysis appeared otherwise. Moreover, after the COVID-19 situation, the applications would be considered regarding the income in a normal situation, along with reliable financial properties and statements, which would be an effective instrument for loan approvals and analyses in the future.