Finance Ministry pushes three scoring systems for lending, taps Nok Krasib data to fund Thai Chuay Thai Plus merchants

MacroProduct / Tech
โดย Prachachat·TH·Read original
Summary · why it matters

The Ministry of Finance is pushing for three scoring systems in the economy to channel capital more effectively. Mr. Phayong Sriwanich, President of Krungthai Bank, revealed that in addition to the credit scoring of the National Credit Bureau, or NCB, there will also be the Ari Score developed by the Ministry of Finance, and the TCG Score of the Thai Credit Guarantee Corporation, which is used for SMEs. The Ari Score will be proposed to the Cabinet within August, for actual use in the next two months. Combined with data from Nok Krasib, an AI chatbot system on the Thung Ngern application that helps analyze store sales, Dr. Ekaniti Nitithanprapas, Deputy Prime Minister and Minister of Finance, has assigned the Government Savings Bank to extend loans to more than 1.1 million small merchants participating in the Thai Chuay Thai Plus program, using data from Nok Krasib as loan evidence to reduce informal debt. Mr. Songphon Cheewapanyaroj, Director of the Government Savings Bank, said the bank is preparing to extend loans using the Ari Score as alternative behavioral scoring data alongside Nok Krasib data, expecting to bring a large number of small merchants into formal debt. Meanwhile, Mr. Sittikorn Direksoonthorn, Director and General Manager of the Thai Credit Guarantee Corporation, revealed that the corporation is in discussions with the Government Savings Bank to join in guaranteeing such loans.

Impact on stocks 1

Financials▲ · 1 stocks

Theme Impact 1

Off-coverage companies 3

Government Savings Bank (ธนาคารออมสิน)Private▲ Positive
Demandrelevance

Government Savings Bank to extend loans to 1.1 million merchants using Nok Krasib data.

Thai Credit Guarantee CorporationPrivate▲ Positive
Demandrelevance

Thai Credit Guarantee Corporation in talks to guarantee loans, potentially increasing business.

National Credit Bureau Co., Ltd. (NCB)Private± Mixed
Demandrelevance

NCB mentioned as existing credit scoring system, but no direct impact stated.

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