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|Title: ||Solutions for Reducing Credit Risk at the Bank for Foreign
Trade in Viet Nam|
Solutions for Reducing Credit Risk at the Bank for Foreign
Trade in Viet Nam
Nguyen Thai Ngoc
|Keywords: ||Affected Factor, Credit Risk Quality, Vietnam Foreign Trade Bank|
Affected Factor, Credit Risk Quality, Vietnam Foreign Trade Bank
|Issue Date: ||2013-05-24 16:45:01 (UTC+8)|
Bank business is really associated with the risk factors. A commercial bank is a special business in monetary field. Credit is an organization which provides mainly and
effectively capital in the economy. Risks can happen to any form of business.
Nevertheless, risks in banking business are different from the others in terms of levels and causes. Nowadays, in Vietnam the number of researches on credit risk is close to little.
Although there is an abundance of literature around the world, however, researches relating to credit risk are limited in Vietnam. Most of the researches regard the
management capacity, customer satisfaction, evaluating staff competence. Thus, credit risk is quite a new topic for the researchers and people working in Vietnam’s credit and
Credit risk is the probability that a borrower will default on a commitment to repay financial obligations. Default occurs when the borrowers do not fulfill their obligations,
such as making interest payments to bondholders or repaying bank loans. In the event of default, lenders, bondholders or banks suffer a loss because they will not receive the
payments promised to them. Both business cycles and firm specific events influence credit risk.
From our research results, there are signs of significant and positive relationship between characteristic, capacity, collateral, condition, cash, control, borrower’s morality,
irresistible causes and the credit risk quality.
|Appears in Collections:||[經營管理研究所] 博碩士論文|
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