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การปรับดอกเบี้ยตามความเสี่ยงจะช่วยดึงลูกหนี้นอกระบบเข้าสู่ระบบการเงินได้จริงหรือไม่ และมีความเสี่ยงเพิ่มขึ้นต่อ NPL ของสถาบันการเงินแค่ไหน?
