BANGKOK : Thailand's banking system has large excess liquidity and the central bank has not tightened its lending supervision, an assistant governor said on Monday, reflecting banks' reluctance to lend. Banks' lending decisions will depend on debtors' ability to repay debts, Sakkapop Panyanukul said in an article published on the Bank of Thailand's website. The banking system has had a lot of excess liquidity over the past 10 years, as reflected by deposits and investments of commercial banks