the credit rating process CRAs should endeavour to issue opinions that help reduce the asymmetry of information among borrowers, lenders and other market participants; Independence and conflicts of

borrowers’ income and expenses and the requirements of commercial banks’ relevant procedures. Therefore, debt quality imporvement may lag ongoing economic expansion. Last but not least, several government

risks. We put in place more stringent customer approval criteria for commercial lending policies, and closely monitored borrowers, especially small and micro businesses, through appropriate

borrowers, and remained vigilant on risks. Meanwhile, we mainly targeted borrowers with good track records, as well as existing low-risk customers. 2.2 Market Risk Management Economic and political

criteria for commercial lending policies, prioritizing risk assessment through prudent screening and close monitoring of borrowers, especially those in small and micro businesses. Moreover, we adjusted

businesses. We also prioritize risk assessment through prudent screening and close monitoring of borrowers. At the same time, KBank has focused mainly on borrowers with good track records, as well as existing

borrowers, and remained vigilant on risks. Meanwhile, we mainly targeted borrowers with good track records or existing low-risk customers, while giving greater weight to digital lending. 2.2 Market Risk

information among borrowers, lenders and other market participants; Independence and conflicts of interest CRA rating decisions should be independent and free from political or economic pressures and from

preserving policy space. The MPC deemed the government’s announced relief measures and loan repayment measures to assist borrowers affected by the Covid-19 would more directly address the problems than

ข้อมูล ซึ่งแบ่งออกเป็น 1. กลุ่มที่ถูกระบุโดยอัตโนมัติอยู่แล้ว เช่น รายละเอียด การ modify หรือ update ไฟล์ข้อมูล และชื่อ ผู้เป็นเจ้าของไฟล์ข้อมูล 2. กลุ่มที่แสดงระดับความส าคัญของข้อมูล ซึ่งอาจจัดท า label