18. The BoT is empowered under the BoT Act to operate the payment systems and
conduct activities to maintain payment systems stability. BAHTNET (BoT Automated High-Value
Transfer Network) is the only large value payment system operated on real time gross settlement
basis and is considered as a Systemically Important Payment System (SIPS). BAHTNET, owned and
operated by BoT, provides inter-institution funds transfer service for financial institutions and
provides final settlement to net clearing positions from retail payment systems such as cheque
clearing (ICAS) and interbank retail funds transfer system (ITMX). Under the BoTA, the Payment
Systems Committee (PSC) is established and empowered to formulate policies about the payment
systems under supervision of the BoT and inter-bank clearing systems to ensure their efficiency and
stability and to monitor the BoT's related activities. The PSC acts as both the oversight board of the
payment systems and the FMI's board for BAHTNET. The PSC performs other oversight functions
such as establishing supervisory policies and the oversight framework. As an FMI Board, the PSC
oversees the operations and key performance of BAHTNET and approves the risk management
framework for the BAHTNET's operations.
19. The National Credit Bureau (NCB) is the single private credit bureau in Thailand banks
can join. The NCB is the result of the 2005 merger by the Thai Credit Bureau and Central Credit
Information Services. The NCB is governed by the Credit Information Business Act B.E. 2545 (2002)
and aims to gather loan data from financial institution members and in return offers reliable credit
data of both consumers and corporates for financial institutions to analyze credit risk of the
borrowers. As of June 2017, the NCB had 96 members including banks, nonbanks, leasing
companies, and saving cooperatives. Currently, the NCB encourages more numbers of saving
cooperatives and other financial institutions to join the membership as to improve data coverage.
Since May 2017, the NCB has been offering NCB scores for both consumers and SMEs to members
which could be incorporated into their internal credit scoring.
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