$I 4

~I$~UIRI$L&R~IB~U~UU (Sustainable Ban king) I

Academic Focus Y a i R u 2561

~ I T ~ U I A I T L ~ ~ A ~ I U & ~ ~ U (Sustainable Bankinq)

d S u "nisw'su?wu~uu" ~ur8unszrrauua~~dliuwuiwdi~~

ionisGwuiua~aqnulan90~9J"u damrinisaw~~szaiai% (UN) d S u

~ m " d ~ z n i f i ~ f l i m i u n i s ~ ~ i w u ~ u u (Sustainable Development

- Sff is) 17 $ i m i u (GoaU r8u~uawi~~unisniriug~nisw'wui

uo~lanszw419~ 2558-2573 (n.n. 2015-2030) wmrrwu~fliw~iu

nisw'muiuiaaw"aassv (Millennium Development Goals d L u

- MKS) d w u m ~ i ~ ~ ~ b u ~ f l i w u i u n i ~ ~ u i ~ u ~ u u wjo SDGS dLeA

~lznsounquaiu~i~a"nm"iunisw"wui~u~uu ;a 6iu~s1sv;E~ d S u

f i n u uazdsuanbou (r~iw~iunisW"PU~iwu~uu, 2560) lnui i

ril~wuiu~il~mdou~mnaiuuin~u arnaiuri4ou811mulri6q1ns

1 ~ r t a ~ ~ 5 . j )bjiiaiuw~~~uinsas~uai~ua::d~rrama"ou u a z ~ i i

d W d

d a u w u ~ m u i r ~ l s w ~ ~ o ~ ~ a z ~ ~ n u u i ~ v i i a h 4 12 (w.R. 2560-2561) n ~ u n i s i i r d i ~ u i u n i s w " m u ~ do;& d A' nu~uuu~r~u~sz~muwu~iuddi$~luni~~iwumnsou~fi~i~ni~w"muid~z~~m~dun"u imumsria~a?~

13iv)nn~nriauiiriauiauluni~daun"ua5i~a"~nu~~$u4~ a m r n i u a ~ o r r ~ i ~ u k n u ~Cm~~wina iuu inou

ds~a?unisr4urmw~iioii~$ua ini~w~lmuaau5lnndb$uCm~n"u$~bbama"ou dolGd3z~wvlnriialdd do; a do; 4

nisriwruinu.ruutuouim ( ~ i l i w u i u n i ~ ~ ~ u i ~ u ~ ~ ~ , 2559) 4 ~ u ~ n o i n n i n ~ 0 z f i ~ u a ~ m n i ~ ~ " m u i do; 4 ~utuuuidiula'b$uuuawid~uni~w"muid~zb~~~~o;i~d~naiutdu"ubba"a luninbonaun"l6?u~n8wn

o i n b u a n i a r i ~ w a n ' i ~ h i s u a ? d w ~ b ~ u a ~ i ~ n i ~ i i b ~ u q ~ ' i o o d i ~ ~ ~ a i u ? u ~ m v o u ~ o ~ d n u

rdef i ~ d ~ r i ~ i w u i u n i s w " ~ u i o ~ i ~ 6 ~ u " u ~ o ~ n i n ~ ~ f i o ~ ~ u d u a d i ~ m ' o b d o d ~ d ~ a ~ a n (maimwEinniiu6 d d d U~RJTILM~~MU, 2557) iid~anaidm~~Lju~d~bduna'bn~i~~ddau~ubnadoubbazwa"n<uni~iib~uni~

w dw n~~~sfiolGanmnrio~n"u~~ua~mni~w"~b]ui~~~u"u REI aoiuinls2u ~ ~ i w u i ~ o m a s s n % u i n ~ ~ i ~ n i ~ L j u

d L e lddninqsiia d ~ t i i i n i s i i w ~ d o ~ n i ~ ~ " w u i ~ u ~ ~ u u i w u a n ~ u n i ~ ~ u i n i ~ d ~ ~ u n i i " n i s s u i ~ i s

~ 4 l : n ~ a i u Q d ~ u " r3o "Sustainable Bankinq" d~nisri~wa"nlim&n~naiu~~ijuuidszqn6l+

a s u a ~ a n i s s u i ~ i a r G a ~ a i u ~ ~ ~ ~ d

m ~ 6 u i n i s b ~ o n ? i u t d ~ u (Sustainable Banking) b$umssuinisd~db~unisb~ufimodid~du"u

uodq~~ouaz~dnu~uszuzuiau inn~iwam~uu~u~uszuz#u ImudirOuni~6aun~iu?uimvou dcr " 2

.'n$suama'nu &nu @daurifuaGn;l u a z n ~ n i u l 6 w 5 n s ~ ~ u i i i u i a m w"quoz in i~ i i i l oCu

61ud;luaniiou k n u bbaasssuiii u i a (Environmental, Social and Governance: ESG) b8iuiwuan

n ' u n i s i i ~ ~ u ~ s ~ o u o c s u i n i ~ l u 5 n w ~ z n i ~ ~ ~ ~ a ~ ~ ~ ~ ~ m a " 0 u ~ ~ a z a " ~ n u e i i u n i ~ i i ~ ~ u ~ i u n i u I u " 1 1 a ~

aoiCuni.iGu ~ d u n isu~ni . ro 'u ln i~n iu luo~hn~i~6u~m~io~~~~ama"ou nispawrindiu uonoind L i d 1

ni3auini~b~ona1utd~u~db$uai~u~u~~"11au%fiaoi~uni~b"9uaiui~ow"iw~i~uni~aia~iuni~w"mui do; a ~ ~ 9 ~ ~ I d k l l ~ q 3 f i ~ ~ a u n i ~ ~ ~ i l u ~ ~ a ~ ~ A n i n ~ ~ ~ o o d i ~ ~ u i m v a u IIU~IU~~JU?U~I~%OISN~

d do d e ~uraonniuso~wansznu6iu~~~bama"ou~~az~~nu uaz i isssui i iu iad~unisCmni~n"ui l~~ i~ i~ 7

(nqmi G?Q~, 2560 ; s u i f i ~ ~ ~ i s d ~ a ~ ~ m l n u , 2561n)

uua~imm~minisb~onaiut~~u ~ u i i ~ a i u & ~ ~ u $ u ~ u g 2550 (R.H. 2007) dou . i s~n f i u~u

3awiid3zaPl (International Finance Corporation: IFC) idb$uodins~ubn~osui~isianidiau~ub~o

tM'hniRbonau ~n'%n' ia~d3iuqiu "nissuinisbdnn?iutdu"u (Banking for Sustainability)"

~ m u s ~ y i i n a i u ~ ~ u " u d i w ? u n i n s u i n i ~ ~ ~ ~ h d s z n o ~ d d i ~ ~ 2 dsanis do

I. nis~nisnaiudu~6iu~~~am~au~aza"snulunisdiau3u~~a ~siu nisl+qmmiYnl'nlrna~m~i

(Equator Principle: EPs) d O n ~ ~ n ~ ~ u ~ ~ ~ + ~ $ ~ u i ~ ~ ~ i ~ d i ~ T ~ n i ~ m " m 5 ~ ~ ~ d i ~ u 5 ~ b i a ~ u ~ ( " 1 s s n i s

uuimlwi 1munni~unisfiuoz6as~sainiswa"n~bna~ma~b$in"unsauaun1sbbaau"umounkun~a~

i l u~ i ion iu luau in is %-Gnisf iwansmu6iuds~~ama"au~~i~~udauw~~lunsz~aunisnkunsas

lunisdiau3u~%an"sniia6au r d -4

2. nisA'u~ilanianisw"muiw~m~~nw~duu6auua"mnssu~ua1u1l~i q d~ifuaCasn"u

naiu6sGu Inunisbwi ' ian ian isw"muiw~m~~4~~az '~3nis~ i~n is f iu~a~ua~unisw"mui3u6i

~~aakonsru~%swi~a6daksdsa'bu'119iwi~~snuuna~~~~am~au bdu ni~b~udsz~~4~niwnis1+~a"ssiu

ds~a~unsauauniswa'mbbazbwnIu~a~azaim ~u~nsb/bbuu$ (Microfinance) n i s ~ ~ u ~ n i s w i s n i 9 6 u

d~rjun+xici;i uaznis lG~u$do~a i~udiwYu~Gsiu l~~au (aqcii aisnipduuwqa, 2558 ; uirjw dimas,

~1.d.d.)

n'jd~unis~ia~.iii~suinis~~anaiuGsGu a o i ~ m s f i u o s 6 a s G n i s ~ ~ ' ~ ~ w ~ o ~ i ~ i i u q s ~ o

l u 2 61uwn'n n'sd I. nisdiau2u~ioau'isTu~m"11au

1.1 n i s d i a u i i u ~ ~ a ~ n 6 i ~ s i i o a u ' i ~ J u ~ ~ ~ ~ u (Responsible Wholesale lending)

Imunis3nsauaunisdsa~unaiu~dus6iud~~~an$au~~aaa"snulunisdiau5ub~a nimm aa ~ ~ a a ~ a ' n

nisdiau3u~%alibw"n"erfinssnisua~ui~~~i6s5u ~~aaa?iswansawu~$saun"7u8snu~az8~~bam$au d v luunrarlua~ui i i i r i iunisda'ou2u~~~~~a-a~uaYunisw"~ui2u6i~~aau3nis~asisdssIua~

iaZsnuuaadsuan$au

1.2 n i s d d a u i i u ~ ~ a ~ n 6 i s i u u ' a u o ~ i ~ ~ u i m " 1 1 a u (Responsible retail lending)

kums~unso~$u~nwi~nis~umiuuims~iu~ina d~u~~a@nA' iymi~au ' is~~ ib~uu &k~r b$uassu

~unsacmiu~4udaum"a ~ilm~wuCay a n s u h u ' idida l u n i v i $ ~ $ i l ~ d i u nisdc~aiunislm"~1aiui

2. nisauiunis~$i~su~ni~wisnis~u~usauu (Financial Inclusion)

nisouiunis~$i8~uimswisnisfiuluszuu ~~unislGuinisuaalGnaiu~wi~nisf iu

uri$GsiuI6rjau uasnqulu q d~~~~i~ii8cu~niswisnisfiu~usauu ( a q i a ia~ i r iuwga, 2558 ;

u?gw diaiaa <in"m, 2559)

$2.4 niw suirniswusuun"aaz1~

s a ~ ~ a a s s u i ~ i s ~ ~ a ~ a i u ~ s ~ u d & a sa6uuassuimiswu~uu dsznauhu (u%w d i a i a a 6in"m, 2557).

d o GS GS

1. s s h d 1: Unfocused corporate activities n l 4 ~ 1 l ~ u ~ ~ n ~ s u n l ~ ~ iion55uMml~9~la

wansanusia&mu v% CSR (Corporate Social Responsibility) ib~unisds:vi8uw"u6 bubb$ua$aaam q

n"unis6i~iuqsii~~a"nua~suimis

2. sagud 2: Isolated business projects or business practices n ~ s i i r G d n s q n i s iionssu d d ~ 3 o n i s S w ~ m ~ ~ 4 d & s i ! u e i f i n~sS3ub&~;ua as~dunisda 'au2u~4alG6utionis i~8u~ms

~ a & b ~ a m ~ a u bbaaumab~ua6un"amnisd~ia~~ub~e~0;in"ufioni~~fia1k~~m~aiub~u'~ti~da~~bbama"au

u i ~ a u b a ~ % l w ~ m ~ ~ ~ ~ a " n u e a s u i m i s s o w d

3. sagud 3: Systemic business practices ~a"nnisb~aasssu~~uuel~umbsaamaiu?u~m~au

iakmdusingiuusswa'm~~~bbaznsauaunissi i~ 7 ueasuimis uaawansawu~%auanoioknu

unz8~uanciouoarQu2i9~a"nuaaiion~suwia~siio~nvim

4 . 5 a s i ~ d 4: Strategic ecosystem innovation nisiauiis~Quuu~iaun"u~uimis~u ~~aarinrns

riuaisisrua a~ayu~a~vlud~u~mva~~aanis~b~un~~nru6pl '~ in"uQbbasl imsuimi~~ps"~a~~aiu~~i !u

5. s z ' u i 5: Intentional (purposedriven) ecesystem innovation nis~d~$irnuiuuoasuiols

azbl.liniswa"ndu~aniunisdb5~au~nisld ui~~uni~a5"i~ua"mnssu~~sa5"1~~1anszwu~~~uanis~~nu

~~aa8suam6su

94 d umw 1 ~~uaAndsq~~aiu&dCu ~~aznisus~sdi~ssu6iuoz~aulps"~nisJ"unis~uaiuisn~Zp~Im

~sti iaiunj luszuzma 1 n u n i s d h l a n l ~ ~ 1 a i u d i r i u u u a $ n ~ s ~ ~ 1 a i u & ~ S u l n " ~ ~ w a l . j ; 8 ~ ~ u

i i n a i ~ ~ 1 i n r n i ~ ~ ~ ~ u ~ s ~ ~ n i w ~ s ~ 2 u ~ i ~ ~ a z u n i s mas~auuims~iuds~di~ 7 &~uani.Julmdu'i

uua~ndssna iu&~l iu I~ i i~~unis~sz~nm~6t ;su i i o ~ a i u i s n m o u l o n ~ n a i u n i n w i ~ ~ ~ ~ d u u s ~

&nuuazgnF;i16danii& ua~naio~~u~a-nh~ussw"ngiulrnaius~~~uuunisM'iqsflalusuim

l nuoza iu isn i i l r i j u~s i ia ln "sd i~~ i iw"un"un is~d~uu~~~a~"~~s~ lan ~d~9unisdauannaiu~dua

k.&~dit 7 ~nubawizn?iu~dudn"iuna~~~ 6iudfidms uaa6iildsduil PPd URM 2 ani~~~ni~~udu^5~1~qsf lomiues~n~1aiu&d~u o ~ ~ I u I ~ ~ ~ ~ ~ ~ u ~ ~ ? ~ v I ~ u $ u ~ M ~

diinaiu~naiuaiuisn~~"~+iuiiau~iu~au16~nii Lulawiznu$uija~au~Cijua (Millennials) d;laourii.nu

l u n ; l 6 n s ~ C ~ a i u h n " ~ n " u ~ a i u ~ ~ i j u uaaL~nis~dauiaulunisa5"1~wanszwu~5~pJan dirn?~ Y d 4 ~ ~ $ ~ ~ ~ ~ M ~ ~ ~ I ~ ~ ' ~ W ~ I B O I ~ ~ I ~ M ' I ~ I ~ ~ ~ ~ ~ ~ ~ W ~ ~ ~ ~ ~ ~ P J ~ L M ~ I ~ ~ ~ ~ I ~ ~ ~ ~ L W ~ L ~ I ~ U wi~saui i t

wad~iim$pdia&mudausau6au

ijZd 3 nisu'i~Knin7indoanaiuG~Cuuidsz~nm"~~ e:~9unis~&ulsnialGani.~"unis~u~~iii~ v 4 2 -4

urnd~fiuyulnnau a ~ w " ~ i b l u m i m ~ t m a i n ~ u I a n l ~ ~ ~ ~ . J ~ ~ w " ~ ~ i ~ ni~ayuslssnquuazanisJ"um'ia 7 n w 9 d 4 I

ozu ' i i ~n " i u~a iu i ?~h 1nu~awi~nisd~umwnms8d~~ama"su 8qnu ~ a z a ~ ~ u i i i u i a uids~nsu 2 " 2

nisin2uteasquuinuu M'du lliinisdsl:~iiuiinisa~yuuinnii~u'~ludun~n~w~2u$alan

~g unisadqudla"~nm66iu ESG Principles (Environment, Social and Governance) 11.4 nisdsz nou

nism"m2ula

a ~ i u n i ~ ~ " ~ ~ n ~ ~ u a ~ ~ ~ ~ n i ~ s u i ~ 1 ~ ~ ~ ~ ~ a i 8 1 6 ~ ~ ~

u u a ~ n n i s ~ u i n i s ~ ~ s ~ a i u & ~ ~ u i i~a iu~n~ou$u~dsu~s~wLju~uszes i i~dsz~nn

(Internationa\ Finance Corporation: IFC) 4 9 r4 u n36n d u mjnauin isla nd d 6 so 2 u ~1 ol~'n"u

ninbonau t.n"a~dlusiuaiu "nissuinisbionaiu&diju (Banking for Sustainability)" lug 2550

(R.H. 2007) ~ i n a i u & d ~ u ~ i ~ ~ u n i n ~ u i n i s ~ s d ~ d s z n s u d d i ~ ~ &I nis~nnisn~iu~doa6iu~~~bana"su dd -4 uarknubnisddnu~iu~ds uaznls~uesi~amanlsw"(bbluiwa"m~~'91~bduu6auua"mn5~u~uai%i~w~ 1

94 4 - A d~~uahaiiunaiu&d~u d~waM'i"b~~~ua~nuaza~d~umadasnna"s~n"unszbbanis6uinis~~s~1aiu&~~u

l6?unaiu~uuoinmi.JunisGuuinfudsu 7 do~o1n~duuunisii~i juqs~on"~n~iadaua5"1~

n-ju~n8iiluaaflaimlwa.i nis~!ii~.liitu~Ei;lljuyu~wa.i u a z d a u ~ ~ a n i C u n i s f i u n ~ i ~ m a i u ~ a ~ n ~ ~ ~ e ~ n ~ ~ ~ d ~

aa?uni1a~oaiiuaua~aiiamaiula"aialeaaaznisa~ua~uein~~aaul6a~u

1muile~u'unoi~unisfiuka~an~n"~nis~s~inism~iu~u~m~ouio8~mua!ii~~uni~fiiwum

naqwdnisdfiC5aiu uaaimus.isuochns uasaCuniil~uiniswitnisrPsun"uIms~nis~a~u~ms 2i

riuii~uamriouuarni~~u~sauu~aap~ &auimisui~~vit~unmu~oaii Ysuimisa~uan Imuauim15oz I & a

nuiuiuun~8nnisnriunp4uq~ii~w~oii~nssu~luuauu Eti~Tuni.m'iwumuims~iu uuaiau URY d & a d s l d d dvw s i ~ ~ a h u m ~ s u i n i s w u ~ u u n a s u d s i n ~ u a z ~ n i s ~ ~ u ~ ~ \muuimssiuasdunlonqqqm 1 6 ~ ~ 6 qmwgn

d d B~naamoi (Equator Principles: Eps) ~~noonuuuuiauodwims~iu8iw~unisddou~ubdo~ms~n1~1~~

d & u d ~ u i i m ~ ~ ~ u hwiuuuaiau~iunisauimis~u~uu luil 2552 is~imisdrj~~i~siieoEii~G~Su<iuau

16 aavkh'a~an i a u h " o k " u u a ~ a u n i s a u i m i s ~ ~ u q ~ ~ i ~ a ~ d ' I , a n ~ ~ (Global Alliance for Banking on d d Values: GABV) a~adu~m45o~ i7~aasavo~au~n i~~~~~mn"~ iaaazu~n isw ian isGuw" ia~n i~w"mui

d & u nuauu~~riudsrainsuaaqu"~~uda~i~i~anisGu~uszu maomoud?udqa~auamgou &fhuilog<u

~~uaiau$~na'ia5aniCunisGua8uaui%n 25 L L ~ Q 0in 25 dsa~wmka~an bmuaiuisn~CiZsdsz~ins

saunii 10 giunu kaz~iaiiuqsiioniu~~bbua~m . " lm~f i i l sqw~" (Triple-Bottom-Line) ~ M ~ I U %

nijcaiiafiils~itnisb'9umauO1dn"udszIu~9iwi~8~muaaaa~~~~ama"ou

diw5'umsunEisa wljjBo4ai l v l u u u ~ ~ u h u d (Financial Times) uazu?$nfiuyusan'h d & a

dszawp1~6~n i . iuous i~~a " n i s ~ u ~ ~ a u u ~ w%~ FT/IFC Sustainable Finance Awards 8 7 ~ 5 ' 1 ~

a o i ~ n 1 s a ~ u ~ a z a o i u " u ~ m n i ~ a a y u d ~ m a i u ? u i i m a ~ u i ~ ~ ~ u u a z ~ a u a m 8 o u a f l u d s ~ ~ i ~ n ~

h b u d 2549 ~ h h u l (~?$vl ditllat: <in"m, 2558)

6~d~~ii iaoirjunis~u1u~szawmii~ 1 d~i . luua~mnisauimis~~~maiu~~Suuidsz~n~~~az $ d

ds'ul~uni~RiaCuiion75 adu suimis XacBank aaadus~ini5%w~~u$uaiu~o~dszawpIuo~Tna~u

(Mongolia) diinisfii~um1~:iinisCmnisausuw"nwznis4mni~Gu (Financial Literacy) IAn"uatiniu

14-18 il ~u~wa?uur isuuni i 130 uviskadszawa nisddouilu~do~~n"un-juam3u1n~ulu~uuw d d nisdiouilu~ao~~ilnisdszw~mw5aaiu nis6ia~unisiaun'uu~~w~ws~uuimusiu~w~*bud~z~~~

% u n i s ~ m i i s u i m i ~ e i i u ~ o ~ o h:unii5auu AMAR 4s~da41 4-18 J9 ~uniwiuoa~naa'u~io~p~"u~ni~

urigniiiduinouuaaanwmsns~u~uuw lnug 2556 s a u u 6 ~ n a i a a i u i s n ~ ! i i ~ d d ~ z ~ i n s n ~ i m ~ ~ ~ ~ ~ A' v d d

vnad=izawpI usneinuwin~nmiw~duaui~nvoasuimi~~'iu 180 i u a~mauuCyan"iumaiu&adu w 3 w

m i u a n ~ i v o q Global Reporting Initiative l6~iiu~oua~Gi~uv~~m~amw"awumezl6Ju~auam

nona<uGu~~inmn~is ~a~oaflun1sniiausa~alol~j;~n6iIunisaii~naiu~au Mioauimi.i ~ r i d o s d d d & u d

8ankkuqIsd d~nisddnu8ua~alwonisw"0b]ui~uauu s~ileguiriign6isiaw~~n"iumu buddsuiluadn

6qndialda~a"anii 800 ~ i u ~ ~ ? u ~ m o a a i i a w % (uiGw i l iniaa <I%, 2557)

4 w d d & 4 oinwanisaouass " u ~ w a n i ; l q s i i o u ~ ~ ~ u i ~ i s ~ u ~ u u ~ u ~ ~ % ~ ~ ~ ~ ~ u ~ ~ (Business case for

Sustainable Banking in Thailand) roqnoraicu u 3 G ~ d ia iaa a'~n'ib~un1sniul6~u~~uoin

onff~r la~aoi (Rockefeller Foundation) w u j i ~uimis~if ivdr~dw~B~dou~i~a"i ' tr la"~

~udocnissuimis~donaiut~~u ~ m u ~ i o ~ s i s ~ i o i n ~ i ~ ~ u ~ s ~ o ~ u a o ~ ~ i u ~ ~ n i ~ ~ u ~ ~ u a ~ ( i l ~ a a

uimqiuuo~nissuinis~~o~aiu$~8u %I 1) nildouilu~~oo(ii~iu~m~ou 1f'diub~odiw?u;n6iqs~o

u a r ~ u d s ~ i ~ ~ u ~ n ~ i l s i u i o u Lbaa 2) n i s ~ a 5 u a h ~ n i ~ ~ $ i 8 ~ u 5 n i s ~ 1 ~ n i ~ f i u v o ~ n ~ u d s ~ v i n ~ d & 4 d ~ ~ ~ ~ i ~ ~ ~ u ~ n i ~ n i ~ n i s f i u & ~ a i u i s n a ~ d ~ ~ ~ w a ~ i ~ ~ s i i o ~ o ~ n i ~ ~ $ i ~ 4 ~ n i ~ s u i m i s ~ u ~ ~ u r o ~

adia~uRmaau

(responsible wholesale

lending)

niddouaudognAi

siudouadia?uihaou

(responsible retail

lending) (Financial Literacy)

i$iIfiunisW°iia

(mobile banking) I diigmudns e-money

~6uGunnIm"

2 . n i s i a ~ ~ a h 1 n + . 1 I h u ~ % V I dia inx , 2557, http://www.saIforest.com/knowledge/slide - sbt

~ ~ ~ w a n i ~ ~ s ' i o u a a n i ~ d ~ a u ~ u b ~ a ~ n ~ i g ~ ~ o ~ ~ a ~ ~ n 6 1 ~ 1 ~ d a u a d 1 ~ ~ ~ 1 ~ ~ ~ a ~ uazniauuiu

n i ~ ~ B ~ ~ ~ u ~ n i ~ ~ i ~ n i ~ G u l u ~ ~ ~ u u a ~ d ~ ~ ~ w ~ ~ i b w u

1) nisddau~u~~a~n6i~si ioai id?uf imvau (responsible wholesale lending)

n isddau~u~~a~n61~s?oa~ id?u f in " I Iau (responsible wholesale lending) vadsuinis

wifivulvu l nuG~ isnr ie inn is lG~ur~aBn6 igs?os iu l~~ wuii suiniswiriraawulmusauG~U~.iiilo

uua6n~:jiRdfidvadnisdiauau~ia "d~ufin.aau" Bi~?uan&iils(sEa lnuiJa~uirG~Uisuinis~~4dlm

1$uim~iuaina6iunisddau3ur~a~?ufim~au a iR yn~gn*nl~na~~lai ~ 4 a y snrinisnisds-diu 4 -

naiurdu;l6iu8~nu~ra~A~~~an~au~.iiile]%unszuaunisna"unsa~~u~~a suinisoa~Cududnisd~um 9,

miungMuiu nass~iiuu r~aadsrniplpiis q ~insuinis~d~dss~wpllwulu~iu~(Rin"u~r~arS/iisd"u

1nunsrij~nvidriiau1~1uiad6!a ~ Q ~ 1 ~ ~ 5 d n l ~ ~ ? l ~ ~ ~ ~ ~ ' b % ~ ~ U ? IUIJSJLMPIRI~~G 4 u5~w

ainl~uiauadyuua-suinis\wu 6 ~r~idddauiiuria ~ ~ ~ ~ ~ ~ ~ ~ l ~ ~ ~ i ~ ~ ~ ~ i ~ ~ ~ " U ~ d ~ ~ ~ a d ~ 7 ~

iuwn'nd~na~mai ~ ~ a y m u i m ~ i u n i s d i a u i i u ~ ~ a ~ n s ~ n i s v u i n ~ ~ ~ i.ru4?"dais-~unaiu~du~iid q

daio~'in$u nsr~l~ndia~i~waldsuinis~iimnaiurilwdozlil6?uGu{~u n~iu~du~wiang~uiu

n a i u ~ d u ~ o i n d s ~ m ~ a u i ~ n n a z n s s u i ~ n i s ~ ~ ~ ~ i ~ ~ d (Mekong River Commission: MRC) diiawa d.: 4

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https://www.bot.or.th/Thai/ResearchAndPublications/DocLib - /Article - 12Jul2017.pdf

'6msani%d 1 s : u u ? u b b a : a u b ~ d . (8l.d.d.). iu6u 15 ?dwinu 2561 o i n

http://www.epayment.~o.th/home/app/project-1

ma7nw~nwYwdadsds~~wwlwu. (2557). ' b ~ m a i u w u i u n ~ ~ ~ m u i a d i a ~ a ~ u . iu6u 15 54wi~u 2561

o i n https://www.set.or.th/yfs/main/download/YFS2018 - ExamReadinz02.pdf ddr a

~ w u ~ u ~ i i i . (2558). a i u ~ C s u i ~ i s n u a u u b-3 "dinu~u~iiaariia~u~m~auy~ uniuu91nIqu:y:

u u ~ 4 ~ u ~ a s : ~ d a u l ~ ' b i ~ ~ b 0 u datl. W i i ~ a i u ~ n i a n i s l j u WL~II:UU l i a a u WGiCy!.

Z U ~ U 19 8dwimu 2561 o i n https://thaipublica.org/2015/03/business-case-for-

sustainable-bankin9-in-thailand/

suinisdsds-nwlwu. (2560) 412 sdn. a h # 36/2560 daa uimsni~nis~uailu~das~"msb~s2m

~~a:2udadau~m~aniuT6nis~in"u. iu6u 28 nsnqimu 2560 Fnn https://www.bot.or.th/

Thai/PressandSpeeches/Press/ News2560/n3660t

. (2561n). n i s ~ u i ~ i s a ~ a ~ a i u ~ a ~ u SUSTAINBLE BANKING. ~ u 6 u 15 ~ ~ ' V ~ I R U 2561 o i n

https://www.bot.or.th/kai/Consumerlnfo/Documents/SustainableBan kin923Jul2018.pdf

. (2561~). d l ? bdn. a h # 46/2561 &a ~ I ~ I G U ? ~ I ~ ~ ~ ~ L ~ U C I ~ ~ W " P ~ ~ ~ P ~ (Basic Banking

Account). iu6u 25 nsnqimu 2561 o i n https://www.bot.or.th/kai/Pressand Speeches/

Press/News2561/n466 1t.pdf

. (2561~). &in61aamaiu Bangkok Sustainable Banking Forum 2018. :u6u 17

i4~91Ru 2561 o ~ n https://w.bot.or.th/rhai/PressandSpeeches/Speeches/Pa~es/

default.aspx

, (25614). ~ m s a n i s h a d 1 a ~ a ~ n i s b u i ~ i s b d a ~ a i 8 1 ~ a ~ u (Sustainable Banking). iu6u

15 ?swinu 2561 o in https://w.facebook.com/bankofihailando~ciaVphotos/a.

280178205664947/682359362113494/?type=3&theater

. (25619). d s z n i f i m m i s ~ ~ ~ ~ ~ : ~ ~ f i ' b ~ u il ana 1/2561 $as n i m ~ ~ ~ ~ ~ m n i s ~ i u n i a ~ ~ u ~ n i s

ufignR'iariiab~usssu (Market conduct). Su6u 20 ~ w i n u 2561. gin https//w.bot.or.th/

Tha'~IPCS/Documents/FW256l~aiPDF/25610034.pdf

. (25619). ~a:nifi~uimi~~~~a~)sz~nfi'bnu 4 aua. 10/2561 $09 5ssaiFiuiaaoaaniCu

ni%Gu. 8~696 20 89%41~81 2561. o i n https://w.bot.or.th/Thai/FIPCS/ Documents/

FPG/2561/ThaiPDF/25610157.pdf

. (2561~). Sustainable Bankin9 The World Wins, We All Win. BOT W4:auIu MAGAZINE,

nsn~inu-?swi~ar 2561(4), 18-19.

4dr 4

~ r j v , i i i ~ i a a ~ i i i ~ n . (2557). aywan iaqsz~rea Y ~ ~ i ~ i s ~ u a u u n IUIMU kazn is~mta "LR;~~IU 4dr4 ni~~ui~iswuauubb~ad~zbww~wu". Ju6u 15 %win81 2561 o in http//www.salforest.com/

knowled2e/slide - sbt ddr a

. (2558). ~v lqwawiaqsi i~aea l ~ ~ ~ i ~ i s w u a ~ u w 1 u h u . iu6u 17 i i m i m ~ 2561 o i n

http://www.salforest.com/knowledye/exec - sustainable - bankiny ddr a

. (2559). su1~15~uauu~eozls. lu6u 17 ~%WIWU 2561 oin https://www.facebook.com/

SustainableBankin~Thailand/photos/a.362446380768183/38260057541943O/?~pe=3&

theater ddr u

. (u.d.d.). sui~i4~uauu%Pddszbww~wu Sustainable Banking Thaibnd. Ju6u 17 ?9~1mu

2561 o i n http://www.salforest.com/products-services/tal~-seminar/other-events/

sustainable-banking-thailand ddr a

~g iv lu iun iswiuu iwuauu ... doqmniwirimuaz2iauama"euG~. (2559). iiu6u 19 5.rwimu 2561

Bin http://www.pcd.yo.th/file/SDGs.pdf d d r u

s ~ i v l u i u n i a ~ a r u i w u w (Sustainable Development Goals: SDGs) (w.~. 2559-2573).

(2560). h6u 15 i%~winu 2560 o i n http://bps.sueksa.go.th/wp-content/uploads/2017/ 6 w 3 w

07/~6.-~~~,~~iwu1ud-4-b~1d~~~~m-ma~am"~0~~~u2.7.60.~df w 4 Y s iuaz~~umF~san i4~~~nbbnv lu . (u.d.d.). Ju6u 15 ~ ~ i m u 2561 oin

http://www.debtclinicbysam.com/~i~a~b~um~n59ni5m~~n~~n"w~

~uimubuini~1vlu.(2560). ~ ~ s u i ~ s s m ~ ~ i ~ i s ~ i d ' ~ ~ ~ w " m u i b w ~ ~ ~ i i ~ ~ ~ a i u ~ a ~ u . J u h 20

39~lmu 2561 8 in https://www.bot.or.th/rhai/AboutBOT/Activities/Documents/

Ethics - Commercial Bank.pdf ddr u ~qc i i s i . a ~ i r i u n ~ a . (2558). q d '~cnplwawirqsFio' r o a l i i 'suiniswuauu7, JuAu 15

i%winu 2561 o i n http://www.banykokbiznews.com/bloy/detaiV634021 ddr 4 a P 1 9 d " n ~ i u n ~ a n ~ ~ u n 1 ~ w " w u i n 1 ~ ~ ~ ~ ~ ~ ~ o ~ ~ a a ~ ~ n u ~ ~ ~ ~ " 1 1 i i . (2546). ni~w"muiwu~au1uu?p1wIwu.

iu6u 15 hwinu 2561 o i n http://www.nesdb.go.th/download/article/aicle - 201508

13133735.pdf ddr u

~~"IG~~I~R%~L?J~"III~. (8l.d.d.). b~i~uiunisw"muiwusups (Sustainable Development Goals; SDGs).

iu6u 14 hwinu 2561 o i n http://osthailand.nic.yo.th/wPdVibb~n/l18-sdgs/260-~~iwuiu $2,-

n15fiwu1~ usuu-sustainable-development-goals-sdg.html