4

()

23 ..2557

:
()

The Study of Spending Behavior, Saving and Indebtedness of Bank

Employees: Case Study The Enterprising Banks Employees Under The
Supervision of The Ministry of Finance Compared to Commercial Banks
Employees.
**

.
Tanongsak Nimnual and Dr.Darawan Virunhaphol

()
2
1,200

0.05
2 (sample)
25-34
15,000-19,999
2
1,000 4,999 1 4
10,000
1,000,000 10,000 49,999

**

; E-mail: mi_ke_ta_60@hotmail.com
; E-mail: fecodwv@ku.ac.th
[400]

 4
23 ..2557
2
2
: , ,

Abstract
The objectives of this research were to study behavior spending, saving and Indebtedness of bank
employees of the state enterprises bank compared to commercial bank. And study to the personal
factors that affect the income, spending, saving and indebtedness of bank employees. Collected data
from survey of 1,200 samples. Data were analyzed by descriptive statistics for the study about behavior
and relationship testing with the chi-square technique. By setting the significance level at 0.05
Data analysis revealed results as following; The personal factors of the two samples have similar
characteristics. By have the female more than the male. Mostly aged between 25-34 years. There is single
status and graduate bachelor's degree level, have no a child, have no who be in support , Most residential
homeowners, The average monthly income in the range. from 15,000 to 19,999 baht. The cost of living
per month of the state enterprises bank is higher than most commercial banks employees. The two
groups had average savings per month during 1000-4999 baht. A period of saving money in the past 1-4
years. Most of the total liabilities in the range of less than 10,000 baht. Most indebtedness are from credit
card. The study of the relationship between personal factors that affect the cost savings and
indebtedness in the 2 groups was found Personal factors are relation to spending, saving and
Indebtedness not the same.
Key Word: Spending behavior, savings, bank employees.

[401]

 4
23 ..2557

1 .. 2550 - 2555

2550 2551 2552 2553 2554 2555

100.0 110.1 113.9 119.0 128.8 135.9

100.0
97.2
96.7
99.0 100.2 102.7

100.0 105.0
93.5
96.2
97.5
98.8

100.0 100.2
98.2
97.0
96.9
97.7

100.0 100.9 102.0 102.7 103.4 104.7

100.0 101.7
95.8
92.8
93.2
93.7

100.0 103.0 111.2 116.3 116.1 119.7

100.0 104.6 103.4 106.2 110.2 113.6

: (2556)
1



GDP
GDP 63.3 .. 2553 77.5
1 .. 2556 17 (, 2556)

2
2

[402]

 4
23 ..2557

1.
()
2.
()

(Primary Data) 1,200

(Quota Sampling)
( ) 4
4

1.


2.

0.05

( , 2550)

[403]

 4
23 ..2557

2
2

1.

2.
25
25 34
35 44
45 54
55

3.

4.

()

181
241
422

42.9
57.1
100.0

286
492
778

36.8
63.2
100.0

68
162
80
55
57
422

16.1
38.4
19.0
13.0
13.5
100.0

128
221
201
147
81
778

16.5
28.4
25.8
18.9
10.4
100.0

20
253
140
9
422

4.7
60.0
33.2
2.1
100.0

68
580
125
5
778

8.7
74.6
16.1
0.6
100.0

286
131
5
422

67.8
31.0
1.2
100.0

504
265
9
778

64.8
34.1
1.2
100.0

[404]

 4
23 ..2557
2 ()

4.

5.

1
2
3
3

6.

1
2
3
3

7.

()

286
131
5
422

67.8
31.0
1.2
100.0

504
265
9
778

64.8
34.1
1.2
100.0

327
39
45
10
1
422

77.5
9.2
10.7
2.4
0.2
100.0

553
92
124
7
2
778

71.1
11.8
15.9
0.9
0.3
100.0

301
40
58
17
6
422

71.3
9.5
13.7
4.0
1.4
100.0

536
117
91
15
19
778

68.9
15.0
11.7
1.9
2.4
100.0

181
89
22
121
7
2
422

42.9
21.1
5.2
28.7
1.7
0.5
100.0

352
145
46
214
16
5
778

45.2
18.6
5.9
27.5
2.1
0.6
100.0

[405]

 4
23 ..2557
2 ()

8.
15,000
15,000 19,999
20,000 24,999
25,000 29,999
30,000 34,999
35,000 39,999
40,000 44,999
45,000 49,999
50,000

()

36
120
27
42
45
16
29
26
81
422

8.5
28.4
6.4
10.0
10.7
3.8
6.9
6.2
19.2
100.0

67
168
51
58
72
76
65
60
161
778

8.6
21.6
6.6
7.5
9.3
9.8
8.4
7.7
20.7
100.0

2 2 25-34

15,000-19,999
3

5,000
5,000 9,999
10,000 14,999
15,000 19,999
20,000 24,999
25,000 29,999
30,000 34,999
35,000 39,999
40,000

()

19
4.5
46
10.9
85
20.1
60
14.2
66
15.6
38
9.0
52
12.3
34
8.1
22
5.2
422
100.0

[406]

11
1.4
200
25.7
135
17.4
114
14.7
68
8.7
72
9.3
49
6.3
71
9.1
58
7.5
778
100.0

 4
23 ..2557
3
10,000-14,999
5,000-9,999
4

()

148
35.1

274
64.9

422
100.0
2

58
13.7

364
86.3

422
100.0
3

0
0

422
422

422
100.0
4

77
18.2

345
81.8

422
100.0
5

159
37.7

263
62.3

422
100.0
6

6
1.4

416
98.6

422
100.0

[407]

243
535
778

31.2
68.8
100.0

102
676
778

13.1
86.9
100.0

0.0
100.0
778

0
778
100.0

9
769
778

1.2
98.8
100.0

187
591
778

24.0
76.0
100.0

28
750
778

3.6
96.4
100.0

 4
23 ..2557
4 ()

()

6
416
422

1.4
98.6
100.0

0
778
778

0.0
100.0
100.0

333
89
422

78.9
21.1
100.0

546
232
778

70.2
29.8
100.0

85
20.1
78
10.0

337
79.9
700
90.0

422
100.0
778
100.0
4 9 2


2 100.0
80.0

2
5

1,000
1,000 4,999
5,000 9,999
10,000 14,999
15,000 19,999
20,000

()

43
10.2
221
52.4
84
19.9
29
6.9
26
6.2
19
4.5
422
100.0
[408]

65
8.4
440
56.6
126
16.2
43
5.5
50
6.4
54
6.9
778
100.0

 4
23 ..2557

5 2 1,000
4,999 1 4 6
6

1
1 4
5 - 9
10

()

67
15.9
145
34.4
91
21.6
119
28.2
422
100.0

115
14.8
307
39.5
188
24.2
168
21.6
778
100.0

()

162
38.4
75
17.8
18
4.3
27
6.4
40
9.5
100
23.7
422
100.0

318
40.9
148
19.0
36
4.6
99
12.7
39
5.0
138
17.7
778
100.0

10,000
10,000 49,999
50,000 99,999
100,000 499,999
500,000 999,999
1,000,000

7
10,000 1,000,000
10,000
10,000 49,999 8

[409]

 4
23 ..2557
8

()

()

246
58.3

176
41.7

422
100.0

323
76.5

99
23.5

422
100.0

165
39.1

257
60.9

422
100.0

377
89.3

45
10.7

422
100.0

413
97.9

9
2.1

422
100.0

419
99.3

3
0.7

422
100.0

502
276
778

64.5
35.5
100.0

521
257
778

67.0
33.0
100.0

343
435
778

44.1
55.9
100.0

686
92
778

88.2
11.8
100.0

765
13
778

98.3
1.7
100.0

755
23
778

97.0
3.0
100.0

2
9

[410]

 4
23 ..2557
9
()

1.
2.
3.
4.
5.
6.
7.
8.

1*

2*

1*

2*

1* 2*

- -
- -
-
-

1* 2*



- -

1*

2*

1* 2*

-


-

-

1* 2*



- -


-

1* 2*
-

1* 2*
- -

1*

2*

9 ()

1* 2*
-

1* 2* 1* 2* 1* 2*
- - -

1*
-

2*
-

1* 2*

9.
10.

11.
- -
12.
- -

: 1* ()
2*

9
2 2
2

( , 2548 Kotler, 1997)
[411]

 4
23 ..2557

2

2

1. 2

2

2. 2
1,000,000
2

1.


2.

[412]

 4
23 ..2557

. 2556. (2550 - 2555). 4 2556

http://www.bot.or.th/Thai/Statistics/EconomicAndFinancial/EconomicIndices/Pages/Index.aspx.
. 2546. .
, .
. 2013. .
.
. 2550. .
, .
. 2543. . : .
. 2556. .. 2555. 29
2556 http://service.nso.go.th/nso/nsopublish/themes/population.html.

[413]