The study looks at the credit provider. Currently, financial institutions in Nong Khai found that the policy of providing loans of financial institutions in the current financial institutions to focus on the readiness of IT systems to provide a statistical analysis of model elements confirmation. policy analysis provided loans of financial institutions as the p-value = .000 value RMSEA = .169 subsequently considered before approval of the financial institutions that loan officers in Nong Khai overall focus on. Analysis of the financial condition of customers thoroughly before approving loans to borrowers. The statistical analysis of component-oriented model to confirm the prior approval follows the p-value = .000, the RMSEA = .234, the CMIN / DF = 9.160 Finally, the management and development credit. and risk management of financial institutions that loan officers. Nong Khai Overall featured on management and skills development, credit and risk management in lending. Due to service the loan. Loan officers must have specialized skills and knowledge in credit risk management in the debt collection. The statistical analysis of component-oriented model verification and management skills, credit and risk management as
the p-value = .000, the RMSEA = .228, the CMIN / DF = 8.741.
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