Credit insurance to small industries Corporation (บสย.) is an ad hoc coalition of financial institutions that serve offered credit guarantees to SMEs that have potential, but lack of securities trading, insurance, which make it impossible to get loans from other financial institutions in the system. The work of บสย. So it makes those SMEs. There are channels for access to funding sources in an efficient system and the low financial cost. Help strengthen the country's economic growth. Over the past year 2552 (2009) – year 2556 (2013) บสย. With the growth of the SMEs credit guarantee value continuously. The financial stability of the debt management and บสย not cause revenue to the appropriate level and thus more importance underscored.Independent research on this issue is intended to study the factors that affect debt that does not cause a revenue of บสย. Using statistical tools, the plurinational regression analysis (Multiple Regression Analysis) analysis in both an overview and a separate by group business, which is divided into five business segments: industrial business group. Agricultural service business group, business group, business group, and wholesale retail business group.The study found that the rate of growth of gross domestic product and a real growth rate of loan guarantee approval values are two factors that affect negatively the growth rate does not cause a revenue of บสย. Significantly The country's economic condition is a critical financial stable บสย. Moreover, it is possible that บสย. There is a better risk distribution. When he loan guarantee is approved, which help control the risk of the debt that does not cause revenue. Business raiklum study found that factors that affect the growth rate of non-business income for each raiklum will vary. The factors that affect the debt does not cause revenue. For industrial and business groups, including the rate of growth of the value of credit guarantee approval for agricultural businesses, including the rate of growth of gross domestic product and real for business groups, wholesalers, including their growth rate.Trad interest loans of commercial banks and the growth rate of the credit guarantees approved value, so the result of this study, บสย. Can be applied to planning, managing credit risk alongside the plan to build the Organization's growth and the development of new products for which there is the risk of loss is reduced? Be able to help more SMEs using guidelines from the study results by business segment.
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