| Abstract: | In recent years, the world economy has developed quickly in both width and depth. The trend of globalization, economic integration has been expressed not only all over the world but also in Vietnam. To guide the economy-oriented development, commercial bank system is used as a tool to regulate the macro-economy, operating monetary policy of each country. Act as financial intermediaries between the different economic sectors, commercial banks operate smoothly, creating a comprehensive system of rotation of Finance - Currency, contributing to economic growth.
However, besides the development of the economy, one concerned issue of commercial banking system in recent years is the problem of risk in operating activities, especially credit risk. It causes the chain reaction and also difficult to forecast. It leads to the collapse of several banks, the bad effect for the economy. The world economy has fluctuated complicatedly in recent years. The financial risk and credit risk increasing rapidly happening in large scale that affects to Vietnamese banking system, enterprises and also international economy. Many Vietnamese enterprises face bankruptcy, bad debt of commercial banks increase. The issue is set for commercial banks that improves credit management, risk control
From the reality and the impact of credit risk in the commercial bank activity with Vietnamese economy and the other countries over the years, the thesis focus on researching the factor affecting risk in operating activities and credit activities. It analyzes the causes of risk , kind of risk in credit activities ,necessity of risk management and the factor influencing of credit risk management in Vinasiambank in
the period of 2006-2010. Find out practical lessons, from the research, we can propose some recommendations to the State Bank, local authorities and Vinasiambank to prevent and limit credit risk.
To satisfy the requirements and purposes of the topic, the thesis uses quantitative, qualitative method, comparative analysis to give the concept of credit risk management in commercial bank
The thesis focus on some questions as follows: Risk and cause of the risk? The factors influence the business and credit operation of commercial bank as well as Vinasiambank; The affect of credit risk to the economy. What are the factors that influence credit and the necessity of the credit risk management of commercial banks and Bank VinaSiam in particularly; The solution to minimize credit risk, improve the credit risk management in commercial banks in Vietnam.
210 ballots were sent to head quarter, branch and customers of Vinasiambank via post and the assistance of Administrative Department. Determine the number of questionnaires and scales for the survey. From the model of thesis, we use factor analysis methods to test the suitability of the element: The cause of the Bank (CB), from the customer (CC), from the others (OC) and the management of credit risk (CR). From the analysis results to determine the main factors leading to risk in the banking business, which propose solutions to reduce and prevent risks. |
