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00:00 If you look at the national bank's balance sheet, it's quite strong.
00:04 The registration fee is 5,000 million baht.
00:07 And it will be 10,000 million baht within 5 years.
00:10 The question is, is this much registration fee enough to cover the big banks?
00:15 Will it be a series of competition?
00:18 Will it be easier for everyone to access the funds?
00:21 Today, let's have a look at the survey.
00:24 Let's hear from Ms. Srikanya Tansakul.
00:27 She is the head of the bank in Khao Krai.
00:30 She is with us now. Hello, Ms. Mai.
00:32 Hello, Ms. Mai.
00:34 Hello, Ms. Urasuda and Ms. Supawan.
00:38 We've seen the balance sheet from the national bank.
00:41 Is it strong?
00:43 There are more questions about the big banks.
00:46 What do you think?
00:48 The Bank of Thailand has issued a balance sheet
00:53 and has allowed 3 vouchers for virtual banks.
00:59 As we have seen,
01:03 there is a need to pay 5,000 million baht for registration.
01:06 What has changed since the 4th of March,
01:08 when the government announced the number of vouchers.
01:13 There will be no limit on the number of vouchers.
01:17 It can be as many as you want, but there will be someone who will come.
01:20 We are still following the same rules
01:25 that set the registration fee quite high.
01:28 Actually, when the government announced the balance sheet,
01:32 there was a similar policy.
01:34 The registration fee was set at 500 million baht.
01:39 The vouchers were allowed to be expanded from 3 vouchers to 10 vouchers.
01:43 What we have seen is that
01:45 the bank does not need to pay 5,000 million baht for registration
01:51 in the case of a multi-branch bank or virtual bank.
01:55 Because there is no need for branches.
01:58 The same business that used to have a high income
02:03 may be reduced.
02:05 There is no need for such a high registration fee.
02:08 It is reduced to only 500 million baht.
02:11 We believe that having more vouchers
02:15 and new players in the multi-branch banking industry
02:20 will help people reach more credibility
02:24 and strengthen the market.
02:26 No one has ever been the market owner before.
02:29 It will also reduce the burden on the people.
02:32 The registration fee will be reduced.
02:34 It is a pity that both the Ministry of Finance and the Bank of Thailand
02:40 are still concerned about the credibility of the vouchers.
02:45 The woman said she didn't want the bank to collapse.
02:48 So she had to pay a high fee.
02:52 Now we will see that
02:54 there is news that someone will ask for a license.
02:58 The pattern will be like this.
03:01 It will be the same multi-branch bank
03:03 that has a name tag.
03:05 That has a name tag.
03:07 It will be the same as other banks.
03:09 It may be more capable in digital or IT.
03:13 Or it may be the data owner
03:15 that can be used to launch new products.
03:19 So we don't see many new players
03:23 or new players will be added to the competition.
03:25 So I'm still worried that
03:27 in the end,
03:29 the main purpose of having a multi-branch bank
03:33 will help people reach more credibility
03:35 and the competition will help the vouchers
03:37 and the payment be reduced.
03:39 Will we reach the conclusion that it is right or not?
03:41 Yes, we will ask about the competition.
03:43 You said you are worried about the competition.
03:47 How will it be in the future?
03:49 Will it be a good competition?
03:51 Please expand on your concern.
03:53 Because the registration fee is one of the important obstacles.
03:59 It is a barrier that prevents new players from entering.
04:03 We will see people with high investment.
04:07 We will see companies that are old banks
04:11 or big investors.
04:13 For example, GALC,
04:15 which is rumored to invest in Panit.
04:19 This is a concern.
04:23 I understand that the nation itself
04:25 does not want to choose a large group of investors.
04:29 If the bank's job is to receive and release money,
04:37 if the bank is not confident
04:41 or the registration fee is not enough,
04:43 it may cause a risk of bank collapse.
04:49 I understand that.
04:51 Today, we have an investment fund.
04:57 The deposit is 5 million baht.
05:03 Less than 5 million baht,
05:05 we will receive 100% deposit.
05:07 It will be reduced to 1 million baht.
05:09 This is a mechanism to control and manage
05:13 to ensure that the deposit is protected.
05:17 We already have it.
05:19 But the Thai government is still worried about this.
05:23 So we set a very high registration fee.
05:25 This is why the deposit is not enough.
05:27 Another interesting point is
05:29 that it is not just about the investment fund.
05:33 It is also about the lack of information.
05:35 Because each line that comes in
05:39 will be the owner of information
05:41 that they can use to analyze credible assets.
05:43 For example,
05:45 various mobile phone companies
05:47 that have information
05:49 about the monthly fee
05:51 and the monthly payment.
05:53 They can use this information
05:55 to analyze the activity.
05:57 But today,
05:59 this information is held by the mobile phone companies.
06:03 Although the real owner of the information
06:05 is the owner of the phone number,
06:07 which is the general public.
06:09 But they don't open this information
06:11 to the public.
06:13 Other players may not have a mobile phone account.
06:17 They don't have a mobile phone account.
06:19 But they can use this information
06:21 to analyze the activity.
06:23 So they can't access the information.
06:25 So whoever holds the information
06:27 will be at a disadvantage
06:29 in doing business
06:31 in the banks or branches.
06:33 And this will close the opportunity
06:35 for other players to come in.
06:37 I understand that the Thai banks
06:39 are actually taking a step back
06:41 in the process of doing business
06:43 with the Thai government.
06:45 But I don't think
06:47 that the government will do
06:49 a big data infrastructure
06:51 to make the banks
06:53 and the financial institutions
06:55 able to exchange
06:57 this information
06:59 with the public.
07:01 But I don't think
07:03 that will happen.
07:05 I think that
07:07 the government will not
07:09 do that.
07:11 But there will be a request
07:13 from the World Bank.
07:15 So I'm worried that
07:17 these two parties will have to go together
07:19 to make the competition
07:21 in the market for the new form
07:23 of credit-release
07:25 that uses data as a way
07:27 or more information-based lending.
07:29 It's a shame that they have to go together
07:31 and reduce the registration fee.
07:33 It will help the Thai banks
07:35 to be less worried
07:37 about the bank's bankruptcy.
07:39 The public should benefit
07:41 from this policy
07:43 and the competition.
07:45 If the government agrees,
07:47 the bank will agree.
07:49 In the case of the bank,
07:51 the government first announced
07:53 that it would unlock the credit-release
07:55 without limit.
07:57 But then it got a big number
07:59 of 3 cards.
08:01 In your opinion,
08:03 how many cards should it unlock?
08:05 Actually,
08:07 we should talk about this
08:09 when we have this policy.
08:11 We should reduce the registration fee
08:13 and increase the number of cards
08:15 to 10.
08:17 We also heard
08:19 from the Bank of Thailand
08:21 that they are still worried
08:23 about the burden of managing the loan.
08:25 If there is an additional bank,
08:27 the national bank
08:29 will have to go down
08:31 to check and manage the loan.
08:33 There is also a higher investment.
08:35 We should talk about
08:37 how much is appropriate.
08:39 We have this information
08:41 and we think that
08:43 the more, the better.
08:45 We understand that
08:47 the national bank has to take responsibility
08:49 to manage the loan.
08:51 It is also a concern.
08:53 So we will end with 10 cards.
08:55 We will wait
08:57 and see
08:59 how many cards
09:01 will be added.
09:03 But I think that
09:05 the registration fee
09:07 and the information
09:09 that has not been released
09:11 will not allow
09:13 new players to come.
09:15 In addition,
09:17 I think that
09:19 the national bank
09:21 is one of the companies
09:23 that will definitely ask for the card.
09:25 We will not see
09:27 the competition
09:29 or the new services
09:31 that have never happened
09:33 before that the public
09:35 will benefit from.
09:37 We will wait
09:39 and see how many cards
09:41 will be added
09:43 and what benefits
09:45 will the public get from this competition.
09:47 We will definitely keep an eye on
09:49 the cards.
09:51 Another issue is
09:53 the access to the financial resources.
09:55 The government has said
09:57 that the financial institution
09:59 has strict rules
10:01 and it is difficult to get a loan.
10:03 Many people are hoping
10:05 that if a virtual bank is created,
10:07 it will be easier to get a loan
10:09 and get a loan.
10:11 What do you think?
10:13 Will it really solve this problem?
10:15 It is something
10:17 that the national bank
10:19 has to do.
10:21 The financial institution
10:23 has to make it easier
10:25 for people to get a loan
10:27 and use less documents
10:29 and use other information
10:31 other than the bank's
10:33 bank account.
10:35 The bank account has to be
10:37 as normal as possible.
10:39 That is the main purpose.
10:41 We don't need to have
10:43 more institutions.
10:45 We can use the functions
10:47 of the bank as usual.
10:49 We just need to
10:51 move and
10:53 make the new institutions
10:55 do the same.
10:57 In the end,
10:59 the bank will still be in the same pool.
11:01 It will be the same group.
11:03 We won't make
11:05 people get more credit.
11:07 The most important thing
11:09 is the information.
11:11 It is the heart that makes
11:13 the new institutions successful.
11:15 If not, the bank
11:17 will have to make the land
11:19 as a guarantee.
11:21 If there is no guarantee,
11:23 we have to pay a high fee
11:25 for the credit.
11:27 We need to have other information.
11:29 The bank has to be more
11:31 accurate in the risk assessment.
11:33 The risk assessment
11:35 has to be more accurate
11:37 in the risk assessment.
11:39 I think that
11:41 people who are not
11:43 in the credit system
11:45 can access the credit system
11:47 with the bank.
11:49 We have to ask the Thai banks
11:51 to take care of the system.
11:53 We will see
11:55 the bank's strategy
11:57 in the competition.
11:59 Will the interest rate
12:01 be higher or lower?
12:03 Will we see the strategy?
12:05 It depends on
12:09 the number of
12:11 the beneficiaries.
12:13 It is important.
12:15 If the new investors
12:17 don't have a problem
12:19 with the investment
12:21 in other ways
12:23 and there is no competition
12:25 between the three banks,
12:27 I think it is not enough
12:29 to make the interest rate
12:31 go up.
12:33 If the number of beneficiaries
12:35 is higher,
12:37 I don't think
12:39 we will see the strategy.
12:41 We have to wait
12:43 and see if there are more
12:45 beneficiaries.
12:47 If there are no beneficiaries
12:49 in all three banks
12:51 and the same goal
12:53 is not met,
12:55 I'm not sure
12:57 if the Thai banks
12:59 will control
13:01 other rules
13:03 to attract more beneficiaries.
13:05 I leave it to the bank
13:07 to help
13:09 with the regulation
13:11 of the rules
13:13 to make it easier for new players.
13:15 I'm worried
13:17 that the competition
13:19 will make the interest rate
13:21 go up.
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19:40 Sawasdee ka.