Many of these problems are exacerbated by loose regulations on predatory lending, the report says.
"The government has taken action to support the economy, including through its innovative Funding for Lending Scheme, which the report notes has already provided a significant boost to the mortgage market".
The annual report by the Public Lending Right (PLR), who oversee payments to authors for the loan of their books, also revealed that library lending had dropped by around 4% in 2012, with 200 branches closing over the past year.
The bank will soon report data on international bank lending quarterly, rather than just twice a year, and it hopes to help spot incipient crises by providing information on borrowers' obligations at home as well as abroad.
Tarrin is accused of engineering the Finance Ministry's takeover of Krung Thai Bank from the Financial Institutions Development Fund in the wake of last year's leak of a PricewaterhouseCoopers audit report that exposed allegedly poor lending practices at the bank.
The Treasury report says that short-term lending is easing up and they're happy about that, but companies are still finding it hard to get money longer term at rates that they're happy with.
According to a report by 21st Century Business Herald, lending by the big four banks has been weak this month.
FORBES: China Banks Struggling To Give Money Away; Equities Decline
Geithner said the nation's top 21 banks receiving assistance will be required to report on a monthly basis how much they are lending to small businesses.
According to a recent report by bank regulators, problem loans among syndicated lending to companies by groups of banks rose to 5.1% in the second quarter of this year, up from a record low of 2.5% in 1998.
However, they are in harmony with a report just released by the British Bankers Association saying mortgage lending by UK banks rose by almost a third in March.
The Bank for International Settlements (BIS) argued in its recent annual report that huge growth in bank reserves was driving overnight-lending rates to zero, causing the market for unsecured overnight lending to atrophy.
According to the report, some 70% of the Bank's non-concessional lending over the past seven years has gone to 11 countries (including China, Argentina, Mexico and Brazil) that had access to capital markets.
"Lending has not moderated, it has merely found other channels, " Fitch said in the report.
An initial report on the scheme, published by the Bank in early December, found that lending to households and businesses increased only slightly in the third quarter of the year, as the new scheme got under way.
BBC: Mortgage funds to rise significantly, Bank of England says
The report said that private markets, not the government, will be the source of mortgage lending and bear the loss burden.
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