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研究生: 黎潘青狹
研究生(外文): LE PHAN THANH HIEP
論文名稱: Credit Risk Analysis at Agriculture bank (Transactions Phu Tho Office)
論文名稱(外文): Credit Risk Analysis at Agriculture bank (Transactions Phu Tho Office)
指導教授: 廖世仁
學位類別: 碩士
校院名稱: 樹德科技大學
系所名稱: 金融與風險管理系碩士班
論文出版年: 2011
畢業學年度: 99
語文別: 英文
論文頁數: 95
中文關鍵詞: Credit riskcommercial bankidentification method of credit risk.
外文關鍵詞: Credit risk, commercial bank, identification method of credit risk.
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Vietnam’s economy is on the way of participating and integrating with the economy of the world, so the finance and banking plays important role in the process of integration. The finance and banking keep going on developing during the participation in order to face with the challenge (the competition) and the changes (increasing the capability to raising capital as well as loaning and providing services, improving ability of management…etc). In the year of 2008, the financial crisis affected not only the Vietnam economy but also the finance and banking, this leads to recovering and stimulating the economy becoming an important concerned issue for the credit activities in the medium-long term. The credit activities in the medium-long term are a vital factor for the whole nation economy. In addition, with the development of Vietnam, the more increase the demand for capital, the more increase the credit. This is a reason why the increase of credit is always enclose with the increase of credit risk. It effects the quality of using the capital and the limitation of expanding the credit for the commercial banks. Therefore, managing the quality of credit is the first priority issue for the banks to maintain the development of credit stably. For those reasons, I chose the topic “Credit risk analysis” at agriculture bank (Transactions Phu Tho office).

Vietnam’s economy is on the way of participating and integrating with the economy of the world, so the finance and banking plays important role in the process of integration. The finance and banking keep going on developing during the participation in order to face with the challenge (the competition) and the changes (increasing the capability to raising capital as well as loaning and providing services, improving ability of management…etc). In the year of 2008, the financial crisis affected not only the Vietnam economy but also the finance and banking, this leads to recovering and stimulating the economy becoming an important concerned issue for the credit activities in the medium-long term. The credit activities in the medium-long term are a vital factor for the whole nation economy. In addition, with the development of Vietnam, the more increase the demand for capital, the more increase the credit. This is a reason why the increase of credit is always enclose with the increase of credit risk. It effects the quality of using the capital and the limitation of expanding the credit for the commercial banks. Therefore, managing the quality of credit is the first priority issue for the banks to maintain the development of credit stably. For those reasons, I chose the topic “Credit risk analysis” at agriculture bank (Transactions Phu Tho office).

TABLE OF CONTENT
ABSTRACT  I
ACKNOWLEDGEMENT  II
TABLE OF CONTENT  II
LIST OF TABLES  II
LIST OF FIGURES  II
CHAPTER 1: INTRODUCTION  2
1.1 RESEARCH BACKGROUND.  2
1.1.1 AGRIBANK profile  2
1.1.2 The international transaction name:  2
1.1.3 The general information:  2
1.1.4 Mission and Function  2
1.1.5 The organizational structure for Agribank  2
1.2 THE ORGANIZATIONAL CHART AND DEPARTMENT FUNCTION IN PHU THO TRANSACTION OFFICE  2
1.3 AGRIBANK PHU THO BRANCH MISSION AND FUNCTION  2
1.3.1 Mobilize capital  2
1.3.2 Loaning:  2
1.3.3 Foreign currencies trading:  2
1.3.4 Providing the payment services and funds include:  2
1.3.5 Other Business Banking Services:  2
1.4 THE MAIN PRODUCTS AND SERVICES  2
1.4.1 Product groups are performing at Agriculture and Rural Development Vietnam bank:  2
1.4.2 Product groups are performing at AgriBank Phu Tho Branch:  2
1.5 INTRODUCTION OF IPCAS II SYSTEM WITH THE PROCESS MODEL “ACTIVE – ACTIVE” AT AGRIBANK PHU THO BRANCH  2
1.5.1 IPCAS II introduction  2
1.5.2 The result and advantages of IPCAS II for the banking activities  2
1.6 CREDIT RISK LIMITATION IN AGRIBANK (PHU THO OFFICE)  2
1.7 PURPOSES OF THE STUDY.  2
1.8 RESEARCH METHODS AND DATA SOURCES.  2
1.8.1 Research Methods  2
1.8.2 Data Sources  2
CHAPTER 2: LITERATURE REVIEW  2
2.1 GENERAL COMMENT ON THE CREDIT RISK OF COMMERCIAL BANKS.  2
2.1.1 Basic content of the commercial banks and the credit banks  2
2.1.2 The credit risk of commercial bank  2
2.1.3 Identification of credit risks  2
2.2 THE CURRENT CREDIT RISK SITUATION IN VIETNAM BANK FOR AGRICULTURE AND RURAL DEVELOPMENT – TRANSACTION PHU THO OFFICE.  2
2.2.1 The introduction of Vietnam bank for agriculture and rural development – transaction Phu Tho office.  2
2.2.2 The current credit risk situation in Phu Tho office  2
CHAPTER 3: RESEARCH METHODOLOGY  2
3.1 RESEARCH FRAMEWORK  2
3.2 EVALUATING CREDIT ACTIVITIES IN PHU THO TRANSACTION OFFICE  2
3.3 THE CAUSE OF THE LIMITATION  2
3.3.1 The cause from the banks  2
3.3.2 The cause from the customers  2
CHAPTER 4: DATA ANALYSIS AND EXPLAINATION  2
4.1 THE FLUCTUATIONS IN ECONOMIC CONDITIONS AND CREDIT ACTIVITIES  2
4.2 THE PHU THO TRANSACTION OFFICE TARGET 2011  2
4.2.1. The capital  2
4.2.2. Credit activities  2
4.3 SOME SUGGESTIONS TO MINIMIZE THE RISK OF CREDIT ACTIVITIES  2
4.3.1 For banks  2
4.3.2 The solutions for customers and enterprises  2
4.3.3 The suggestions  2
CHAPTER 5: DISCUSSION AND CONCLUSION  2
REFERENCES  2
APPENDICES  2

LIST OF TABLES

Table 1: The comparison the assets between agribank with the other Vietnam banks.  2
Table 2: The general process of credit  2
Table 3: The situation of mobilizing capital in 3 year (2008- 2010)  2
Table 4: The structure of outstanding loans by economic sectors  2
Table 5: Bad debt of the outstanding loans  2


LIST OF FIGURES

Figure 1: The organizational chart of phu tho transaction office  2
Figure 2: IPCAS II system  2
Figure 2.1: IPCAS II server  2
Figure 3: The situation of mobilizing capital  2
Figure 4: The situation of mobilizing capital by economic sector  2
Figure 5: The capital structure by saving term  2
Figure 6: The term of outstanding loans  2
Figure 6: The management of bad debt  2
Figure 7: Preventing and handling the problem of loans  2
Figure 8: Research framework  2


REFERENCES

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Huỳnh Thế Du - Nguyễn Minh Kiều - Nguyễn Trọng Hoài, (April 2005), Vietnam credit activities, Fulbright economic program.
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Huỳnh Thế Du, (2004), The success and failure of processing bad debt model, Fulbright economic program.
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Minh Đức, (2010), Start increasing credit strongly.
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Trịnh Thanh Huyền, (2010), Vietnam banking system in 2009 and the math for the year 2010
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Lê Văn Hùng, (2007), Banking credit risk activities – Moral hazard aspect. Page 658-659
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Lê Văn Tư (1997), “commercial bank textbook”, NXB Tài chính
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Luật gia Vũ Xuân Tiền, (2008), Increasing GDP, credit and unavoidance conflict, pp. 20-52
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Nguyễn Xuân Thành, (2008), domestic credit and the pressure of inflation, pp. 48-70
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Agriculture and Rural development bank – Phu Tho transaction branch, “financial statement report in 2008, 2009 and 2010”
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Vietnam bank for Agriculture and Rural Development, (2003), Vietnam bank for Agriculture and Rural Development handbook,
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