Factors Affecting Credit Card Loans of Financial Institutions in Thailand
Keywords:
Credit card loans, Commercial banks, Non-commercial credit card companiesAbstract
The purpose of this research is to study the factors affecting the amount of credit card loans in Thailand and factors that affect the credit card loans classified by types of financial institutions including commercial banks and non-commercial credit card companies in Thailand. The study uses monthly secondary data from January 2010 to March 2022 and the results from Ordinary Least Square (OLS) estimation shows that the manufacturing production index, Real Effective Exchange Rate, money supply and electronic payment volume have a significant positive effect on the credit card loan with a relatively greater effect in commercial banks compared with non-commercial credit card companies. The results from this study will be a policy implication for the Bank of Thailand for issue further credit card loan control policy and for financial institutions for the analysis of credit card loan approval in the future.
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