| Title: | The Influencing Factors of Credit Risk Management of Small and Micro Enterprises of Jiao Tong Bank in Guangxi Nanning |
| Author: | Xiang Linhui |
| Advisor: | ดร.จิดาภา ชลธารรัตนพงศ์ – Dr. Jidapa Chollathanrattanapong |
| Degree: | Master of Business Administration |
| Major: | International Business Management |
| Faculty: | บัณฑิตวิทยาลัย (Graduate School) |
| Academic year: | 2568 (2025) |
| Published: | นำเสนอในที่ประชุมวิชาการ (Conference) The 1st Thailand-Sino International Conference and The 17th National and International Academic Conference “New Quality Productive Forces and Sustainable Innovation” 14-16 November 2024 (pp.179-191) Click PDF |
Abstract
This study aimed to provide valuable risk management strategies for commercial banks by deeply analyzing the influencing factors of credit risk management of small and micro enterprises of Jiao Tong Bank in Guangxi Nanning and to assist commercial banks in enhancing their credit risk management of small and micro-enterprises. The study explored the impact of four factors: credit risk identification, credit risk assessment, credit risk supervision, and internal control for credit risk.
This study employed a quantitative research method. A total of 400 questionnaires were distributed, with 366 valid responses, yielding an effective response rate of 91.5%. The study finds that credit risk identification, credit risk assessment, credit risk supervision, and internal control for credit risk positively influence the credit risk management of Jiao Tong Bank in Guangxi Nanning. Based on the findings, the following recommendations are proposed: (1) Enhance the accuracy of credit risk identification. (2) Improve the credit risk assessment system. (3) Strengthen the intensity of credit risk supervision. (4) Perfect the internal control mechanisms for credit risk.
Keywords: credit risk management, credit risk identification, credit risk assessment, credit risk supervision, internal control for credit risk
6617195712 Xiang Linhui, Advisor: ดร.จิดาภา ชลธารรัตนพงศ์ – Dr. Jidapa Chollathanrattanapong, สารนิพนธ์ (Independent Study), The Influencing Factors of Credit Risk Management of Small and Micro Enterprises of Jiao Tong Bank in Guangxi Nanning, นำเสนอในที่ประชุมวิชาการ (Conference), The 17th National and International Academic Conference 2024, ปริญญาโท (Master’s Degree), บัณฑิตวิทยาลัย (Graduate School), Master of Business Administration, International Business Management, Siam University, Bangkok, Thailand – มหาวิทยาลัยสยาม กรุงเทพมหานคร ประเทศไทย