| Author | Dinh Thi Quynh Nhu |
| Note | A project submitted in partial fulfillment of the requirements for the
degree of Master of Engineering (Professional) in
Finance, Banking and Information Management (VN), School of Management |
| Publisher | Asian Institute of Technology |
| Abstract | The biggest objective of this research is to provide the investigated bank with an
insight into its credit risk management framework a n d the effectiveness of the
credit risk management practices at banking sector. In addition, the readers will also
get familiar with the risks inherent in financing business – banking sector, realize
the importance of credit risk management in banks, and understand the facts about
the Vietnamese credit conditions. Besides, there are some research questions that
will step by step guide the audience on how these objectives are achieved.
In order to give out an evaluation of credit risk management practices, this thesis has
tried to build a list of assessment criteria deriving from the literature that has been
revised during the study. The criteria are grouped into four categories: credit culture,
credit policies, credit organization & personnel and credit practices & performance.
Both qualitative and quantitative research methods were employed. There were 05
interviews with some directors, who come from SBV and commercial bank at
Dong Nai Branch.
The analysis of both primary and secondary data shows that banking sector has been
trying to adopt a close – to – standard credit risk management framework with
numerous published documents governing the day-to-day credit activities. Some
good points are a complete lending procedure or a standard credit rating system –
SYMBOLS. However when it comes to actual operation, some aspects should be
considered, e.g: the staff training quality or the priority treatment to high-value
customers. Especially, the high non-performing loans at the transaction office and the
non-complied loss provision must be reviewed and adjusted. These discoveries have
led to several constructive improvement suggestions for the case bank. Besides,
recommendations for new research directions have also been made. |
| Year | 2013 |
| Type | Project |
| School | School of Management (SOM) |
| Department | Other Field of Studies (No Department) |
| Academic Program/FoS | Master of Business Administration (MBA) (Publication code=SM) |
| Chairperson(s) | Anas, Yusra |
| Examination Committee(s) | Bart, Amrit N. ; Nguyen, Joseph |