| dc.description.abstract | It can be seen that the Vietnamese economy in the first decade of the 21st century has a significant development in the banking sector. Commercial banks represent a big role in this development. The banks‟ capital rose rapidly and became an important factor in Vietnamese economic growth. However, a negative side always follows the result of any growth. In banking system, the risk is the most importance sector that can be considered.
There is no model of solution for all banks. According to specific characteristic of each bank, specific solutions to control credit risk are provided. However, those solutions seem to be not as effective as expected due to many reasons. When Vietnam became an official member of the World Trade Organization (WTO), the high credit risk brought many challenges. It reduced the banks‟ core competency as well as customer trust.
The main purpose of this study is to explore the credit risk management tools in Vietnamese joint stock commercial banks. Readers will get familiar with the risk management‟s concepts in banking business, understand more about the Vietnamese banking system and know more about the importance of credit risk management. A questionnaire was developed and surveyed to 10 joint stock commercial banks operating in Vietnam. This thesis also tries to create a picture of the lending procedure and criteria of joint stock commercial banks in Vietnam. Moreover, the State Bank of Vietnam‟s regulations and policies are also investigated to contribute to the research. Because Vietnamese joint stock commercial banks is considered with an important role in banking system, recommendations for other banks are provided. | en_US |
