GUIDELINES FOR PREVENTING AND RESOLVING OUTSTANDING DEBTS OF CORPORATE CUSTOMERS THAT USES PROMISSORY NOTES OF THE BANK FOR AGRICULTURE AND AGRICULTURAL COOPERATIVES

Abstract

Study of guidelines for preventing and resolving unpaid debts of corporate clients using the promissory note (P/N) of the Bank for Agriculture and Agricultural Cooperatives The objective is to find the cause of the problem of overdue promissory note (P/N) of corporate customers and to find solutions to the problem of overdue promissory note (P/N) of corporate customers, and credit analysis and screening process. The study found that the problem was caused by the income not meeting the estimates requested for the loan. Trade policy change encountering problems in business have more than one debt and the credit limit is insufficient to operate the business. The study found that the solution to the problem. By deciding which option is the best. Guideline 2 Set standards for granting credit to cover all businesses. And determine conditions for credit approval before disbursement during disbursement and after disbursement to meet the standards by preventing outstanding debt problems from the first process In the past, banks did not have standards for credit provision covering all businesses as a guideline for studying different types of businesses before conducting a credit analysis. And there has not yet been a standard set up to prescribe credit approval conditions before, during, and after paying credit. Therefore, it is a guideline that the bank should proceed in accordance with the Bank of Thailand's directives.