Abstract
 This research aims to study the efficiency of the credit risk management process of the Government Savings Bank in Chumphon. The research has collected data from the questionnaire gathered to 36 executives and credit operators in 12 branches in Chumphon. This research analyzed data using a statistical package program. The statistics used in the data analysis included Descriptive statistics, consisting of frequency, percentage, mean, and standard deviation.
           The research revealed that all respondents were female, aged between 30-40 years old, and graduated with a master's degree. 24 of the respondents are operators, while 12 are supervisors with 5-9 years of credit work experience. From the analysis, credit practitioners' opinions towards credit risk management consist of 6 aspects: 1) Policy and collateral. 2) Credit analysis 3) Accounts Receivable Classification 4) Valuation of collateral 5) Credit review, and 6) Debt restructuring. Overall analysis implies that all mentioned aspects are at a high level