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is for consumption. It is a signal that we borrow money to spend. So, in the future
we will find some difficulties to pay. If you borrow the money to buy house for
30 years, this is economic curl value. If you borrow money to do business, this
one can gender eat back to repay money. So, 41%of borrow to loan for
consumption, now the government should have look into it. And the percentage of
saving in the household, you can see that the lowest income around 5% of their
income to saving. For the highest income, it is around 25%, I think it is
reasonable. This is also vary among in the household. This is average figures.
In the past 10 years, we can see that the objective of the borrowing of the
household is nearly the same. Except one thing is the household consumption
which is increasing a lot from 28%-41%. As I said, if you borrow to consume, you
cannot generate to return back or repay in the future. This figure is also froee

When you look at the household on the website of Thailand, when showing
the household debt, this is the formal institution, the blue bar is from the banking,
deposit taking from financial institution. Orange bar is from other financial institution
which is non deposit taking. So, the orange bar is increasing because the card loan
is also increasing in recent years. This is also the funding source, in the past is the
same. I have already checked the figure that it is almost in the past 10 years. But
as I said, this is from the formal institution. Now, I am turning into the informal
debt. Informal debts, they have no official statistic. So, we found that 85000

households or 5%household in Thailand borrow from informal debt. If the trend is
reducing from 10% of household go for informal debt but the amount of informal
debt is increasing to 79000 baht.
If you can look in the detail, you will find that the informal deb will go to
เอกสารประกอบการอภิปรายร่วมระหว่างผู้แทนจากต่างประเทศ
business, and then goes to higher income owner also. This figure is for policy
make, you may have to think policy direction how to help Thai people. And other
things I touched earlier is lottery and they have a survey about risk taking. We
found that 50%of Thai pollution goes for lucky draw or goes for risk taker. Around
44% are risk taker in Thailand. Around 456 baht per month.

Now, I am talking about saving. When you look at this graph, you can see
that Thailand has only 19% of saving on retirement which is alarming figure
compare to neighbouring country. From the statistic that we receive from nation
fund association. On average, Thai people after they retirement, you can some
money around 300k. Can you think, how long is it going to last with this 300k for
the whole retirement life. So, this one is very important and we are going to aging
society very soon. This is the real statistic, the blue line is the mutual fund.