IUHF World Congress

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IUHF World Congress
∑’˪√–‡∑»‡∫≈‡¬’ˬ¡
«—π∑’Ë 23-25 ¡‘∂ÿπ“¬π 2547
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International Union for Housing Finance À√◊Õ IUHF ‡ªìπ
¡“§¡√–¥—∫‚≈°‡°’¬Ë «°—∫°“√‡ß‘π∑’ÕË ¬ŸÕà “»—¬∑’°Ë Õà µ—ßÈ ¡“¬“«π“π·≈–¡’∫∑∫“∑
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‡º¬·æ√à¢âÕ¡Ÿ≈¢à“« “√∑“ß«‘™“°“√ºà“π√–∫∫ Internet website ºà“π«“√ “√
Housing Finance International √«¡∑—Èß°“√®—¥ª√–™ÿ¡„À≠à ‘π‡™◊ËÕ∑’ËÕ¬ŸàÕ“»—¬
√–¥—∫‚≈°∑ÿ° 2 ªï ∑’ˇ√’¬°«à“ World Congress
°“√®—¥ª√–™ÿ¡ World Congress §√—Èß≈à“ ÿ¥ ®—¥¢÷Èπ‡¡◊ËÕ«—π∑’Ë 23 25 ¡‘∂ÿπ“¬π 2547 ∑’Ë°√ÿß∫√— ‡´≈ å ª√–‡∑»‡∫≈‡¬’ˬ¡ ´÷Ëߺ¡¡’‚Õ°“ √à«¡ª√–™ÿ¡¥â«¬ ®÷ß ¢Õ√“¬ß“π∂à “ ¬∑Õ¥ª√– ∫°“√≥å · ≈– “√–πà “ √Ÿâ ∫“ß
ª√–°“√ ¥—ßπ’È
1. °“√ª√–™ÿ¡ IUHF World Congress
1.1 ºŸâ‡¢â“√à«¡ª√–™ÿ¡
ºŸâ‡¢â“√à«¡ª√–™ÿ¡ à«π„À≠à‡ªìπºŸâ∫√‘À“√√–¥—∫ Ÿß®“° ∂“∫—π°“√‡ß‘π
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Õ—ø√‘°“ ·≈–≈–µ‘πÕ‡¡√‘°“ √«¡ª√–¡“≥‡°◊Õ∫ 200 §π ®“°ª√–¡“≥ 50
ª√–‡∑»
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∏ π “ § “ √ Õ “ § “ √ ß ‡ § √ “ – Àå
1.2 «‘∑¬“°√
°“√ª√–™ÿ¡§√—Èßπ’È π—∫«à“¡’®”π«π«‘∑¬“°√ (·≈–ºŸâ¥”‡π‘π√“¬°“√„π·µà≈– session) ∑’Ë¡’™◊ËÕ‡ ’¬ß®”π«π¡“°®“°
∑ÿ°∑«’ª √«¡°—πª√–¡“≥ 50 §π ∑—Èß∑’ˇªìπºŸâ∫√‘À“√√–¥—∫ Ÿß
®“° ∂“∫—π°“√‡ß‘π ºŸâ∑√ߧÿ≥«ÿ≤‘¥â“π ‘π‡™◊ËÕ∑’ËÕ¬ŸàÕ“»—¬·≈–
Õ“®“√¬å¡À“«‘∑¬“≈—¬™—Èππ”¢Õß‚≈°
”À√—∫ª√–‡∑»‰∑¬ ‡√“¡’«∑‘ ¬“°√®“°∏𓧓√Õ“§“√ ߇§√“–Àå 2 ∑à“π ‰¥â·°à §ÿ≥¢√√§å ª√–®«∫‡À¡“– °√√¡°“√
ºŸâ®—¥°“√ 𔇠πÕ‡√◊ËÕß çSharing the Experiences of the Government Housing
Bank of Thailandé ·≈–§ÿ≥™¡æŸπÿ∑ ÿ¡π–‡»√≥’ √Õß°√√¡°“√ºŸâ ®— ¥ °“√ π”
§ÿ≥™¡æŸπÿ∑ ÿ¡π–‡»√≥’ ‡ πÕ‡√◊Ë Õ ß çCredit Burea : Thailand
Experienceé ´÷Ë߉¥â√—∫§«“¡ π„®®“°ºŸâøí߇ªìπÕ¬à“ß¡“°
«‘∑¬“°√·µà≈–∑à“π𔇠πÕ‡π◊ÈÕÀ“ª√–¡“≥∑à“π≈–
15 π“∑’ ®“°π—Èπ ºŸâ¥”‡π‘π√“¬°“√„π·µà≈– session (√«¡
9 sessions) ®–‡ªî¥‚Õ°“ „À⺟âøí߉¥â´—°∂“¡«‘∑¬“°√‡æ‘Ë¡‡µ‘¡
„π¢âÕ ß —¬ ‡ πÕ·π–À√◊Õµ—ÈߢâÕ —߇°µµà“ßÊ
1.3 ‡π◊ÈÕÀ“°“√ª√–™ÿ¡
°“√ª√–™ÿ ¡ ‡√‘Ë ¡ ®“°°“√°≈à “ «
µâ Õ π√— ∫ ‚¥¬ Mr. Graham Hollick
(®“°ª√–‡∑»´‘¡∫—∫‡«) ´÷Ë߇ªìπ President
¢Õß IUHF µ“¡¥â«¬ Mr.Claude Sadoun
(®“°ª√–‡∑»Ω√—Ë߇» ), President ¢Õß
European Mortgage Federation ®“°π—Èπ
®÷ß¡’°“√· ¥ßª“∞°∂“π”‚¥¬ Ms.Mercy
Jeminez ®“° Fannie Mae À√—∞Õ‡¡√‘°“
„πÀ—«¢âÕ‡√◊ËÕß çGlobal Perspective : The
Mr.Graham Hollick
Mr.Claude Sadoun
∫∑§«“¡À≈—°
∫√‘À“√ πÕ°®“°π’È ¬—ß¡’ª√–∏“π ¡“§¡ ‘π‡™◊ËÕ∑’ËÕ¬ŸàÕ“»—¬
(§ÿ≥°‘µµ‘ æ—≤πæß»åæ‘∫Ÿ≈) ·≈–ºŸâ∫√‘À“√®“°∏𓧓√Õ◊ËπÕ’°
5 ∑à“π ‰¥â·°à ∏𓧓√°√ÿ߇∑æ (§ÿ≥≈¥“«—≈¬å ∏π–∏π‘µ)
∏𓧓√°√ÿ߉∑¬ (§ÿ≥ À— µ√’∑‘æ¬∫ÿµ√ ·≈–¥√.«—≈≈¿ ≈‘ªîæ—π∏å) ∏𓧓√‰∑¬æ“≥‘™¬å (§ÿ≥°“√ÿ≥ ‡≈“À√—™µπ—π∑å) ·≈–
∏𓧓√·Ààߪ√–‡∑»‰∑¬ (§ÿ≥ ÿæ‘™“ æ—π∏‡ π) à«πºŸâ√à«¡
ª√–™ÿ¡∑’¡Ë “®“°ª√–‡∑»Õ◊πË Ê „π‡Õ‡´’¬ ‰¥â·°à Õ‘π‡¥’¬ »√’≈ß— °“
∫—ߧ≈“‡∑» ª“°’ ∂“π ‘ߧ‚ª√å ·≈–ŒàÕß°ß
Role of Housing in the Economyé ·≈– Mr.David Byrne,
European Commissioner ‡√◊ËÕß çEuropeûs Place in the
World : The Consumerûs Perspectiveé
®“°π—Èπ ®÷߇ªìπ°“√ª√–™ÿ¡∑“ß«‘™“°“√ ·∫à߇ªìπ 9
sessions ´÷Ëߧ√Õ∫§≈ÿ¡‡π◊ÈÕÀ“‡°’ˬ«°—∫ ‘π‡™◊ËÕ∑’ËÕ¬ŸàÕ“»—¬„π
ª√–‡¥Áπµà“ßÊ Õ¬à“ß°«â“ߢ«“ß¡“° ‰¥â·°à
Session 1 Housing Finance and the Economy :
Global and Regional Trends
¡’«‘∑¬“°√ 6 ∑à“π®“°¿Ÿ¡‘¿“§µà“ßÊ ¢Õß‚≈°®“°
African Union of Housing Finance Institutions (Africa), InterAmerican Development Bank (South America), European
Mortgage Federation (Europe), Mortgage Bankersû Association of America (North America) Housing Development
Corporation of India (Asia) Royal Institute of Chartered
Surveyors (UK) 查‡√◊ÕË ß‡°’¬Ë «°—∫¿“«–µ≈“¥ ‘π‡™◊ÕË ∑’ÕË ¬ŸÕà “»—¬
∫∑∫“∑¢Õß√—∞ °“√√–¥¡‡ß‘π·≈–°“√ª≈àÕ¬ ‘π‡™◊ËÕ ·≈–
ª√–‡¥Áπªí≠À“∑â“∑“¬„πÕ𓧵
Session 2 Focusing on Your Customers and Their
Needs
‡ªìπ°“√𔇠πÕ·≈–Õ¿‘ª√“¬‡°’ˬ«°—∫°“√ πÕßµÕ∫
§«“¡µâÕß°“√¥â“π ‘π‡™◊ËÕ∑’ËÕ¬ŸàÕ“»—¬¢Õß≈Ÿ°§â“ ∫∑∫“∑¢Õß
‡∑§‚π‚≈¬’ „ π°“√ª√— ∫ ª√ÿ ß ª√– ‘ ∑ ∏‘ ¿ “æ°“√∑”ß“π¢Õß
∏𓧓√·≈–°“√ √â“ߧ«“¡æÕ„®·°à≈°Ÿ §â“ °“√æ—≤π“‡∑§π‘§
·≈–π«°√√¡„À¡à„π°“√ª≈àÕ¬ ‘π‡™◊ËÕ °“√«‘‡§√“–Àå ‘π‡™◊ËÕ
√«¡∑—Èß°“√§ÿ⡧√ÕߺŸâ∫√‘‚¿§‡°’ˬ«°—∫°“√√—∫∫√‘°“√ ‘π‡™◊ËÕ
∑’ËÕ¬ŸàÕ“»—¬ ‚¥¬¡’«‘∑¬“°√®“° GHR Systems (US) Nationwide Building Society (UK) Union de Creditos Inmobiliaros
(Spain) ·≈– Global Home Loans (UK)
Session 3 New initiatives in Affordable Housing
Finance
‡ªìπ°“√𔇠πÕ·≈–查տ‘ª√“¬‡°’¬Ë «°—∫∫∑∫“∑¢Õß
√—∞ ·≈– ∂“∫—π°“√‡ß‘π„π°“√™à«¬ π—∫ πÿπ°“√¡’∑’ËÕ¬ŸàÕ“»—¬
‡ªìπ°√√¡ ‘∑∏‘¢Õßµπ‡Õß ‚¥¬∑’˪√–™“™π “¡“√∂®à“¬´◊ÈÕ‰¥â
‚§√ß°“√√‘‡√‘Ë¡ √â“ß √√§å„À¡àÊ „π°“√™à«¬≈¥¿“√–§à“„™â®à“¬
·°àºŸâ°Ÿâ‡ß‘π °“√«‘‡§√“–Àåº≈°√–∑∫¥â“π°“√ª√—∫√“§“¢Õß
∑’ËÕ¬ŸàÕ“»—¬ √«¡∑—Èßπ‚¬∫“¬ π—∫ πÿπµà“ßÊ ¢Õß√—∞∫“≈∑’Ë
‡ µÁ ¡ „ ® ™à « ¬ ‡ À ≈◊ Õ ‡ æ◊Ë Õ ∫â “ π ‡ æ◊Ë Õ §ÿ ≥
9
∏ π “ § “ √ Õ “ § “ √ ß ‡ § √ “ – Àå
∫∑§«“¡À≈—°
™à«¬„Àâª√–™“™π¡’∑’ËÕ¬ŸàÕ“»—¬ ‚¥¬¡’«‘∑¬“°√®“° Wharton
Housing Finance Programme (US) National Association of
Affordable Housing Lenders (US) London School of
Economics (UK), Su Casita, (Mexico), Government Housing
Bank (Thailand), ·≈–®“° World Bank
Session 4 Credit Risk Management / New Capital
Adequacy Rules
‡ªìπ°“√𔇠πÕ·≈–Õ¿‘ª√“¬‡°’¬Ë «°—∫°“√∫√‘À“√§«“¡
‡ ’ˬߥâ“πµà“ßÊ À≈—°‡°≥±å„À¡à‡°’ˬ«°—∫°“√¥”√ߧ«“¡‡æ’¬ß
æÕ¢Õ߇ߑπ∑ÿπ ∫∑∫“∑¢Õß mortgage insurance „π°“√
æ—≤π“√–∫∫ ‘π‡™◊ËÕ∑’ËÕ¬ŸàÕ“»—¬ ·≈–µ≈“¥√Õß ‘π‡™◊ËÕ∑’ËÕ¬ŸàÕ“»—¬ ‚¥¬«‘∑¬“°√®“° Sociedad Hipotecaria Federal in
Mexico (Mexico), Canada Mortgage and Housing Corporation
(Canada), National Housing Bank (India), United Guaranty Corp.
(Israel), ·≈– Mortgage Guarantee Fund for Homeownership
(The Netherlands), International Financial Services and Policy
Consultant (World Bank)
Session 5 Linking Mortgage Markets to Capital
Markets
‡ªìπ°“√𔇠πÕ·≈–Õ¿‘ª√“¬‡°’ˬ«°—∫°“√‡™◊ËÕ¡‚¬ß
µ≈“¥∑’ËÕ¬ŸàÕ“»—¬‡¢â“°—∫µ≈“¥∑ÿπ ∫∑∫“∑¢Õß√–∫∫µ≈“¥
√Õ߇ߑπ°Ÿâ∑’ËÕ¬ŸàÕ“»—¬ ∫∑∫“∑¢Õß√—∞∫“≈„π°“√æ—≤π“·≈–
‡ √‘¡ √â“ß√–∫∫µ≈“¥√Õß ‘π‡™◊ËÕ∑’ËÕ¬ŸàÕ“»—¬ ·≈–ª√– ∫°“√≥å°“√¥”‡π‘πß“π®“°ª√–‡∑»µà“ßÊ ‚¥¬«‘∑¬“°√®“°
Titularizadora Colombiana, Fannie Mae, World Bank, Soros
Foundation, Verband Deutscher Hypothekenbanken ·≈–
®“° Credit Circle
Session 6 Savings Mobilization
‡ªì π °“√𔇠πÕ·≈–Õ¿‘ ª √“¬
‡°’ˬ«°—∫°“√√–¥¡‡ß‘π∑ÿπ®“°ª√–™“™π
°à Õ π°“√°Ÿâ ‡ ß‘ π „πª√–‡∑»‡¬Õ√¡— π ‚¥¬
∂“∫—π Bausparkassen ·≈–∫∑∫“∑¢Õß
Micro-financing „π°“√ª≈àÕ¬ ‘π‡™◊ËÕ„π
ª√–‡∑»µà “ ßÊ ‚¥¬«‘ ∑ ¬“°√®“° BHW
Bausparkasse, ·≈– European Federation
10
www.ghb.co.th
www.GHBHomeCenter.com
of Building Societies
Session 7 The Fundamental of an Efficient Housing
Finance System
‡ªì π °“√𔇠πÕ·≈–Õ¿‘ ª √“¬‡°’Ë ¬ «°— ∫ ‚§√ß √â “ ß
æ◊Èπ∞“π∑’Ë®”‡ªìπ„π°“√æ—≤π“√–∫∫ ‘π‡™◊ËÕ∑’ËÕ¬ŸàÕ“»—¬∑’¡’
ª√– ‘∑∏‘¿“æ ‡™àπ °“√ √â“ß√–∫∫®¥∑–‡∫’¬π°√√¡ ‘∑∏‘„π
∑’Ë¥‘π °“√‚Õπ‡ª≈’ˬπ¡◊Õ °“√∑”ª√–°—π°√√¡ ‘∑∏‘„π∑’Ë¥‘π
°“√ª√–‡¡‘π§à“Õ —ßÀ“√‘¡∑√—æ¬å °“√æ—≤π“√–∫∫µ√«® Õ∫
¢â Õ¡Ÿ ≈‡§√¥‘ µ ‡ªì πµâ π ‚¥¬«‘ ∑ ¬“°√®“°∏𓧓√Õ“§“√ ߇§√“–Àå ¢Õߪ√–‡∑»‰∑¬, TEGOVA, Mortgage Bankersû
Association of America ·≈– Stewart International
Session 8 Managing the High Performance Organization
‡ªì π °“√𔇠πÕ·≈–Õ¿‘ ª √“¬‡°’Ë ¬ «°— ∫ °“√∫√‘ À “√
®—¥°“√Õߧå°√ ¡—¬„À¡à„Àâª√– ∫º≈ ”‡√Á® ‚¥¬‡©æ“–Õ¬à“ß
¬‘Ë߇æ◊ËÕ°“√µÕ∫ πÕߧ«“¡µâÕß°“√¢Õß≈Ÿ°§â“ ¿“«–°“√
·¢àߢ—π ·≈– ∂“π°“√≥åµ≈“¥∑’ˇª≈’ˬπ·ª≈߉ª¡“° ‚¥¬
«‘∑¬“°√®“° Su Casita (Mexico), Nykredit (Denmark) ·≈–
®“° Federal Home Loan Bank of Chicago (US)
Session 9 Lessons to be Learned: Best Practices
from Around the world
‡ªìπ°“√𔇠πÕ·≈–Õ¿‘ª√“¬‡°’ˬ«°—∫ ‘Ëß∑’Ëπà“‡√’¬π√Ÿâ
®“°ª√– ∫°“√≥å ·≈–∫∑‡√’¬π®“°º≈ß“π¥’‡¥àπ¥â“πµà“ßÊ
®“°ª√–‡∑»∑—ÈßÀ≈“¬∑—Ë«‚≈° √«¡∑—Èß°“√ √ÿª “√– ”§—≠
®“°°“√𔇠πÕ·≈–°“√Õ¿‘ª√“¬„π°“√ª√–™ÿ¡∑’˺à“π¡“
‚¥¬«‘ ∑ ¬“°√™—È π ·π«Àπâ “ ¢Õß‚≈° ‰¥â · °à Mark Boléat,
Consultant, Boléat Consulting, David Miles, Professor,
Imperial College, Loïc Chiquier, Lead Housing Finance
Specialist, World Bank ·≈–
Deepak Parekh, Chairman,
HDFC, India
‚¥¬¡’ Adrian
Coles, Director General,
Building Society Association ‡ªìπºŸâ¥”‡π‘π√“¬°“√
∏ π “ § “ √ Õ “ § “ √ ß ‡ § √ “ – Àå
®“°°“√¢“¬∑Õ¥µ≈“¥‰¡àæÕ™”√–Àπ’È∑’˧â“ßÕ¬Ÿà) ‡√◊ËÕß°“√∑”
∏ÿ√°√√¡ Securitization ‚¥¬°“√ÕÕ° MBS ‡ªìπ™àÕß∑“ß°“√
√–¥¡∑ÿπ ·≈–°“√™à«¬∫√‘À“√ ¿“æ§≈àÕߢÕß∏𓧓√∑’Ë¥’¢÷Èπ
‡√◊ËÕß°“√æ—≤π“√–∫∫«‘‡§√“–Àå ‘π‡™◊ËÕÕ—µ‚π¡—µ‘ ‚¥¬„™â√–∫∫
Credit Scoring ∑’Ë¡’ª√– ‘∑∏‘¿“欑Ëߢ÷Èπ ‡√◊ËÕß°“√«‘‡§√“–Àå
«‘®—¬¿“«–µ≈“¥∑’ËÕ¬ŸàÕ“»—¬ ·≈–°“√®—¥∑”¢âÕ¡Ÿ≈ ∂‘µ‘µ—«™’È«—¥
µà“ßÊ „π°“√µ‘¥µ“¡ ∂“π°“√≥å∑’ËÕ¬ŸàÕ“»—¬·≈–°“√ª√–‡¡‘π
·π«‚πâ¡∑’ËÕ¬ŸàÕ“»—¬ ´÷Ëß àߺ≈°√–∑∫µàÕ°“√ª≈àÕ¬ ‘π‡™◊ËÕ
∑’ËÕ¬ŸàÕ“»—¬ √«¡∑—Èß°“√®—¥∑”§Ÿà¡◊Õµà“ßÊ ‡æ◊ËÕª√–‚¬™πå„π°“√
µ—¥ ‘π„®¢ÕߺŸâ´◊ÈÕ∫â“𠇪ìπµâπ
∫∑§«“¡À≈—°
1.4 §ÿ≥¢√√§å ª√–®«∫‡À¡“– °√√¡°“√ºŸ®â ¥— °“√
∏Õ . ‰¥â√—∫‡≈◊Õ°‡ªìπ Deputy President
¢Õß IUHF
‡ªìπ∑’Ëπà“¬‘π¥’«à“„π°“√ª√–™ÿ¡„À≠à¢Õß IUHF ∑’ˇ√’¬°
«à“ çGeneral Council Meetingé ‡¡◊ËÕ«—π∑’Ë 25 ¡‘∂ÿπ“¬π
2547 ‰¥â ¡’ ° “√‡≈◊ Õ °µ—È ß §≥–°√√¡°“√
∫√‘À“√™ÿ¥„À¡à (Executive Committee)
¢Õß IUHF ª√–®”ªï 2004-2005 º≈ª√“°Æ
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Mr.Ted McGovern
Executive Committee ¢Õß IUHF ‰¥â
√—∫‡°’¬√µ‘„Àâ‡≈◊ËÕπµ”·Àπà߇ªìπ Deputy
President ¢Õß IUHF ‚¥¬¡’ Mr.Ted
McGovern, Chief Executive ®“° EBS
§ÿ≥¢√√§å ª√–®«∫‡À¡“– Building Society ®“° Irland ‡ªìπ President ¢Õß IUHF §π„À¡à ‚¥¬¡’ Mr.Adrian Coles ´÷Ë߇ªìπ
Director-General ¢Õß Building Society Association BSA ∑”Àπâ“∑’Ë Secretary General ¢Õß IUHF µàÕ‰ªÕ’° ¡—¬
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2. √ÿªª√–‚¬™π宓°°“√ª√–™ÿ¡
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