Average Score of Influencing Factors

Qos Assurance Methods for Multimedia Communications zt2i3t4l5ee zt2a3gs zt2a3ge zc2o3n4t5e6n7ts low. The EF PHB requires a sufficiently large number of output ports to provide low delay, low loss, and low jitter. EF PHBs can be implemented if the output port's bandwidth is sufficiently large, combined with small buffer sizes and other network resources dedicated to EF packets, to allow the router's service rate for EF packets on an output port to exceed the arrival rate λ of packets at that port. This means that packets with PHB EF are considered with a pre-allocated amount of output bandwidth and a priority that ensures minimum loss, minimum delay and minimum jitter before being put into operation. PHB EF is suitable for channel simulation, leased line simulation, and real-time services such as voice, video without compromising on high loss, delay and jitter values. Figure 2.10 Example of EF installation Figure 2.10 shows an example of an EF PHB implementation. This is a simple priority queue scheduling technique. At the edges of the DS domain, EF packet traffic is prioritized according to the values agreed upon by the SLA. The EF queue in the figure needs to output packets at a rate higher than the packet arrival rate λ. To provide an EF PHB over an end-to-end DS domain, bandwidth at the output ports of the core routers needs to be allocated in advance to ensure the requirement μ > λ. This can be done by a pre-configured provisioning process. In the figure, EF packets are placed in the priority queue (the upper queue). With such a length, the queue can operate with μ > λ. Since EF was primarily used for real-time services such as voice and video, and since real-time services use UDP instead of TCP, RED is generally not suitable for EF queues because applications using UDP will not respond to random packet drop and RED will strip unnecessary packets. 2.2.4.2 Assured Forwarding (AF) PHB PHB AF is defined by RFC 2597. The purpose of PHB AF is to deliver packets reliably and therefore delay and jitter are considered less important than packet loss. PHB AF is suitable for non-real-time services such as applications using TCP. PHB AF first defines four classes: AF1, AF2, AF3, AF4. For each of these AF classes, packets are then classified into three subclasses with three distinct priority levels. Table 2.8 shows the four AF classes and 12 AF subclasses and the DSCP values for the 12 AF subclasses defined by RFC 2597. RFC 2597 also allows for more than three separate priority levels to be added for internal use. However, these separate priority levels will only have internal significance. PHB Class PHB Subclass Package type DSCP AF4 AF41 Short 100010 AF42 Medium 100100 AF43 High 100110 AF3 AF31 Short 011010 AF32 Medium 011100 AF33 High 011110 AF2 AF21 Short 010010 AF22 Medium 010100 AF23 High 010110 AF1 AF11 Short 001010 AF12 Medium 001100 AF13 High 001110 Table 2.8 AF DSCPs The AF PHB ensures that packets are forwarded with a high probability of delivery to the destination within the bounds of the rate agreed upon in an SLA. If AF traffic at an ingress port exceeds the pre-priority rate, which is considered non-compliant or “out of profile”, the excess packets will not be delivered to the destination with the same probability as the packets belonging to the defined traffic or “in profile” packets. When there is network congestion, the out of profile packets are dropped before the in profile packets are dropped. When service levels are defined using AF classes, different quantity and quality between AF classes can be realized by allocating different amounts of bandwidth and buffer space to the four AF classes. Unlike EF, most AF traffic is non-real-time traffic using TCP, and the RED queue management strategy is an AQM (Adaptive Queue Management) strategy suitable for use in AF PHBs. The four AF PHB layers can be implemented as four separate queues. The output port bandwidth is divided into four AF queues. For each AF queue, packets are marked with three “colors” corresponding to three separate priority levels. In addition to the 32 DSCP 1 groups defined in Table 2.8, 21 DSCPs have been standardized as follows: one for PHB EF, 12 for PHB AF, and 8 for CSCP. There are 11 DSCP 1 groups still available for other standards. 2.2.5.Example of Differentiated Services We will look at an example of the Differentiated Service model and mechanism of operation. The architecture of Differentiated Service consists of two basic sets of functions: Edge functions: include packet classification and traffic conditioning. At the inbound edge of the network, incoming packets are marked. In particular, the DS field in the packet header is set to a certain value. For example, in Figure 2.12, packets sent from H1 to H3 are marked at R1, while packets from H2 to H4 are marked at R2. The labels on the received packets identify the service class to which they belong. Different traffic classes receive different services in the core network. The RFC definition uses the term behavior aggregate rather than the term traffic class. After being marked, a packet can be forwarded immediately into the network, delayed for a period of time before being forwarded, or dropped. We will see that there are many factors that affect how a packet is marked, and whether it is forwarded immediately, delayed, or dropped. Figure 2.12 DiffServ Example Core functionality: When a DS-marked packet arrives at a Diffservcapable router, the packet is forwarded to the next router based on Per-hop behavior is associated with packet classes. Per-hop behavior affects router buffers and the bandwidth shared between competing classes. An important principle of the Differentiated Service architecture is that a router's per-hop behavior is based only on the packet's marking or the class to which it belongs. Therefore, if packets sent from H1 to H3 as shown in the figure receive the same marking as packets from H2 to H4, then the network routers treat the packets exactly the same, regardless of whether the packet originated from H1 or H2. For example, R3 does not distinguish between packets from h1 and H2 when forwarding packets to R4. Therefore, the Differentiated Service architecture avoids the need to maintain router state about separate source-destination pairs, which is important for network scalability. Chapter Conclusion Chapter 2 has presented and clarified two main models of deploying and installing quality of service in IP networks. While the traditional best-effort model has many disadvantages, later models such as IntServ and DiffServ have partly solved the problems that best-effort could not solve. IntServ follows the direction of ensuring quality of service for each separate flow, it is built similar to the circuit switching model with the use of the RSVP resource reservation protocol. IntSer is suitable for services that require fixed bandwidth that is not shared such as VoIP services, multicast TV services. However, IntSer has disadvantages such as using a lot of network resources, low scalability and lack of flexibility. DiffServ was born with the idea of solving the disadvantages of the IntServ model. DiffServ follows the direction of ensuring quality based on the principle of hop-by-hop behavior based on the priority of marked packets. The policy for different types of traffic is decided by the administrator and can be changed according to reality, so it is very flexible. DiffServ makes better use of network resources, avoiding idle bandwidth and processing capacity on routers. In addition, the DifServ model can be deployed on many independent domains, so the ability to expand the network becomes easy. Chapter 3: METHODS TO ENSURE QoS FOR MULTIMEDIA COMMUNICATIONS In packet-switched networks, different packet flows often have to share the transmission medium all the way to the destination station. To ensure the fair and efficient allocation of bandwidth to flows, appropriate serving mechanisms are required at network nodes, especially at gateways or routers, where many different data flows often pass through. The scheduler is responsible for serving packets of the selected flow and deciding which packet will be served next. Here, a flow is understood as a set of packets belonging to the same priority class, or originating from the same source, or having the same source and destination addresses, etc. In normal state when there is no congestion, packets will be sent as soon as they are delivered. In case of congestion, if QoS assurance methods are not applied, prolonged congestion can cause packet drops, affecting service quality. In some cases, congestion is prolonged and widespread in the network, which can easily lead to the network being "frozen", or many packets being dropped, seriously affecting service quality. Therefore, in this chapter, in sections 3.2 and 3.3, we introduce some typical network traffic load monitoring techniques to predict and prevent congestion before it occurs through the measure of dropping (removing) packets early when there are signs of impending congestion. 3.1. DropTail method DropTail is a simple, traditional queue management method based on FIFO mechanism. All incoming packets are placed in the queue, when the queue is full, the later packets are dropped. Due to its simplicity and ease of implementation, DropTail has been used for many years on Internet router systems. However, this algorithm has the following disadvantages: − Cannot avoid the phenomenon of “Lock out”: Occurs when 1 or several traffic streams monopolize the queue, making packets of other connections unable to pass through the router. This phenomenon greatly affects reliable transmission protocols such as TCP. According to the anti-congestion algorithm, when locked out, the TCP connection stream will reduce the window size and reduce the packet transmission speed exponentially. − Can cause Global Synchronization: This is the result of a severe “Lock out” phenomenon. Some neighboring routers have their queues monopolized by a number of connections, causing a series of other TCP connections to be unable to pass through and simultaneously reducing the transmission speed. After those monopolized connections are temporarily suspended, Once the queue is cleared, it takes a considerable amount of time for TCP connections to return to their original speed. − Full Queue phenomenon: Data transmitted on the Internet often has an explosion, packets arriving at the router are often in clusters rather than in turn. Therefore, the operating mechanism of DropTail makes the queue easily full for a long period of time, leading to the average delay time of large packets. To avoid this phenomenon, with DropTail, the only way is to increase the router's buffer, this method is very expensive and ineffective. − No QoS guarantee: With the DropTail mechanism, there is no way to prioritize important packets to be transmitted through the router earlier when all are in the queue. Meanwhile, with multimedia communication, ensuring connection and stable speed is extremely important and the DropTail algorithm cannot satisfy. The problem of choosing the buffer size of the routers in the network is to “absorb” short bursts of traffic without causing too much queuing delay. This is necessary in bursty data transmission. The queue size determines the size of the packet bursts (traffic spikes) that we want to be able to transmit without being dropped at the routers. In IP-based application networks, packet dropping is an important mechanism for indirectly reporting congestion to end stations. A solution that prevents router queues from filling up while reducing the packet drop rate is called dynamic queue management. 3.2. Random elimination method – RED 3.2.1 Overview RED (Random Early Detection of congestion; Random Early Drop) is one of the first AQM algorithms proposed in 1993 by Sally Floyd and Van Jacobson, two scientists at the Lawrence Berkeley Laboratory of the University of California, USA. Due to its outstanding advantages compared to previous queue management algorithms, RED has been widely installed and deployed on the Internet. The most fundamental point of their work is that the most effective place to detect congestion and react to it is at the gateway or router. Source entities (senders) can also do this by estimating end-to-end delay, throughput variability, or the rate of packet retransmissions due to drop. However, the sender and receiver view of a particular connection cannot tell which gateways on the network are congested, and cannot distinguish between propagation delay and queuing delay. Only the gateway has a true view of the state of the queue, the link share of the connections passing through it at any given time, and the quality of service requirements of the traffic flows. The RED gateway monitors the average queue length, which detects early signs of impending congestion (average queue length exceeding a predetermined threshold) and reacts appropriately in one of two ways: − Drop incoming packets with a certain probability, to indirectly inform the source of congestion, the source needs to reduce the transmission rate to keep the queue from filling up, maintaining the ability to absorb incoming traffic spikes. − Mark “congestion” with a certain probability in the ECN field in the header of TCP packets to notify the source (the receiving entity will copy this bit into the acknowledgement packet). Figure 3. 1 RED algorithm The main goal of RED is to avoid congestion by keeping the average queue size within a sufficiently small and stable region, which also means keeping the queuing delay sufficiently small and stable. Achieving this goal also helps: avoid global synchronization, not resist bursty traffic flows (i.e. flows with low average throughput but high volatility), and maintain an upper bound on the average queue size even in the absence of cooperation from transport layer protocols. To achieve the above goals, RED gateways must do the following: − The first is to detect congestion early and react appropriately to keep the average queue size small enough to keep the network operating in the low latency, high throughput region, while still allowing the queue size to fluctuate within a certain range to absorb short-term fluctuations. As discussed above, the gateway is the most appropriate place to detect congestion and is also the most appropriate place to decide which specific connection to report congestion to. − The second thing is to notify the source of congestion. This is done by marking and notifying the source to reduce traffic. Normally the RED gateway will randomly drop packets. However, if congestion If congestion is detected before the queue is full, it should be combined with packet marking to signal congestion. The RED gateway has two options: drop or mark; where marking is done by marking the ECN field of the packet with a certain probability, to signal the source to reduce the traffic entering the network. − An important goal that RED gateways need to achieve is to avoid global synchronization and not to resist traffic flows that have a sudden characteristic. Global synchronization occurs when all connections simultaneously reduce their transmission window size, leading to a severe drop in throughput at the same time. On the other hand, Drop Tail or Random Drop strategies are very sensitive to sudden flows; that is, the gateway queue will often overflow when packets from these flows arrive. To avoid these two phenomena, gateways can use special algorithms to detect congestion and decide which connections will be notified of congestion at the gateway. The RED gateway randomly selects incoming packets to mark; with this method, the probability of marking a packet from a particular connection is proportional to the connection's shared bandwidth at the gateway. − Another goal is to control the average queue size even without cooperation from the source entities. This can be done by dropping packets when the average size exceeds an upper threshold (instead of marking it). This approach is necessary in cases where most connections have transmission times that are less than the round-trip time, or where the source entities are not able to reduce traffic in response to marking or dropping packets (such as UDP flows). 3.2.2 Algorithm This section describes the algorithm for RED gateways. RED gateways calculate the average queue size using a low-pass filter. This average queue size is compared with two thresholds: minth and maxth. When the average queue size is less than the lower threshold, no incoming packets are marked or dropped; when the average queue size is greater than the upper threshold, all incoming packets are dropped. When the average queue size is between minth and maxth, each incoming packet is marked or dropped with a probability pa, where pa is a function of the average queue size avg; the probability of marking or dropping a packet for a particular connection is proportional to the bandwidth share of that connection at the gateway. The general algorithm for a RED gateway is described as follows: [5] For each packet arrival Caculate the average queue size avg If minth ≤ avg < maxth div.maincontent .s1 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 15pt; } div.maincontent .s2 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 15pt; } div.maincontent .p { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; margin:0pt; } div.maincontent p { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; margin:0pt; } div.maincontent .s3 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; } div.maincontent .s4 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; } div.maincontent .s5 { color: black; font-family:"Times New Roman", serif; font-style: italic; font-weight: normal; text-decoration: none; font-size: 14pt; } div.maincontent .s6 { color: black; font-family:"Times New Roman", serif; font-style: italic; font-weight: bold; text-decoration: none; font-size: 14pt; } div.maincontent .s7 { color: black; font-family:Wingdings; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; } div.maincontent .s8 { color: black; font-family:Arial, sans-serif; font-style: italic; font-weight: bold; text-decoration: none; font-size: 15pt; } div.maincontent .s9 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; } div.maincontent .s10 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: 6pt; } div.maincontent .s11 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 13pt; } div.maincontent .s12 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10pt; } div.maincontent .s13 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-d
Retail Credit Quality at Bidv-Hcm Period 2008 – 09/2012:

4. Your current job position:………………………………………………….

5. How many years have you worked at the Bank?

☐ Under 5 years ☐ From 5 years – 10 years

☐ From 10 years – 20 years ☐ Over 20 years

6. Your income level

☐ Under 10 million ☐ From 10 million - 15 million

☐ From 15 million - 20 million ☐ Over 20 million

PART 2: ASSESSING FACTORS AFFECTING CREDIT QUALITY FOR SUPPORTING INDUSTRIES AT VIETNAMESE COMMERCIAL BANKS.

For each statement below, please mark “X” in only one box from the numbers 1 to 5 indicating your level of agreement with the statement. The numbers 1 to 5 correspond to the following levels:

2	3	4	5
No effect	Little impact	Moderate impact	Many influences	Very influential

Maybe you are interested!

Encryption

Scale	Evaluate
Scale	1	2	3	4	5
Credit policy
CSTD_1	When building credit policies for the industry Supporting industry always meets practicality	☐	☐	☐	☐	☐
CSTD _2	Clear credit policy, suitable for conditions banking reality	☐	☐	☐	☐	☐
CSTD _3	Credit policy is regulated very clearly and specifically.	☐	☐	☐	☐	☐
CSTD _4	Credit policy is adjusted flexibly and promptly. time when there is a change in capital support policy for the supporting industry.	☐	☐	☐	☐	☐
CSTD _5	Credit policy is consistent with the policy of the house. The country supports capital for the supporting industry.	☐	☐	☐	☐	☐
Credit process

QTTD_1

The credit process is clearly defined, easy to understand, easy to implement	☐	☐	☐	☐	☐
QTTD _2	Branches of the commercial banking system always demonstrate high compliance with credit procedures.	☐	☐	☐	☐	☐
QTTD _3	The credit process demonstrates logic and is consistent with practice	☐	☐	☐	☐	☐
QTTD _4	The credit process of commercial banks ensures safety according to State Bank regulations	☐	☐	☐	☐	☐
QTTD _5:	The credit process is different for each Supporting Industry	☐	☐	☐	☐	☐
Credit risk management capacity
QLRR_1	Ability to detect credit risks early	☐	☐	☐	☐	☐
QLRR _2	Timely grasp and clearly understand the mechanisms and policies, procedures for performing operations.	☐	☐	☐	☐	☐
QLRR _3	Ability to analyze and measure credit risk	☐	☐	☐	☐	☐
QLRR _4	Experienced and ethical in management credit risk	☐	☐	☐	☐	☐
QLRR _5	The bank's ability to control and prevent risks goods are good	☐	☐	☐	☐	☐
Bank customer information system
TTKH_1	Have diverse, complete and original sources of information clear.	☐	☐	☐	☐	☐
TTKH _2	The source of information for credit processing is accurate and reliable. reliability	☐	☐	☐	☐	☐
TTKH _3	The information collection and processing department works effectively.	☐	☐	☐	☐	☐
TTKH _4	There are clear regulations on the responsibilities of each individual. for information collection and processing	☐	☐	☐	☐	☐
Innovation and application of science and technology of supporting industry enterprises
Science and Technology_1	Investment costs for innovation and scientific application suitable technology of CNHT enterprise	☐	☐	☐	☐	☐
Science and Technology _2	CNHT enterprises always tend to catch up. Time of science and technology in production and business	☐	☐	☐	☐	☐

Science and Technology 3

CNHT enterprises apply technology in a way flexible	☐	☐	☐	☐	☐
Science and Technology _4	Supporting industry enterprises have products applying technology to meet domestic and international trends. chemical	☐	☐	☐	☐	☐
Science and Technology _5	CNHT enterprises have foreign links in innovation and application of science and technology in production. export business	☐	☐	☐	☐	☐
Management experience of loan customers
KNQL_01	CNHT business manager with professional qualifications major in manufacturing and business.	☐	☐	☐	☐	☐
KNQL _02:	Has the business manager ever held a management position? CNHT business management	☐	☐	☐	☐	☐
KNQL _03	Business managers have the ability to predict future industry trends.	☐	☐	☐	☐	☐
KNQL _04	Change in thinking and creativity of CNHT enterprise managers.	☐	☐	☐	☐	☐
KNQL _05	Business managers regularly learn from the management experience of foreign businesses. outside the same industry	☐	☐	☐	☐	☐
Financial capacity Corporate customers Supporting industry
NLTC_1	Equity of supporting industry enterprises	☐	☐	☐	☐	☐
NLTC _2	Charter capital of supporting industry enterprises	☐	☐	☐	☐	☐
NLTC _3	Bank loans for industrial enterprises	☐	☐	☐	☐	☐
NLTC _4	The ability of the business to repay bank loans Supporting Industry	☐	☐	☐	☐	☐
NLTC _5	Increase annual corporate profits support industry	☐	☐	☐	☐	☐
Business Plan for Supporting Industry Enterprise Customers
PAKD_1	Supporting Industry Enterprises always have solutions effective business plan	☐	☐	☐	☐	☐
PAKD _2	Supporting Industry Enterprises have business plans that are in line with the loan capital target. goods have been decided in the credit file	☐	☐	☐	☐	☐

PAKD _3

The business plan of the supporting industry enterprise is suitable for reality.	☐	☐	☐	☐	☐
PAKD _4	The business plan of the supporting industry enterprise is specific and clear.	☐	☐	☐	☐	☐
PAKD _5	Business plan of supporting industry enterprise meets the goals and strategies Government Support Industry Development.	☐	☐	☐	☐	☐
Supporting Industry Development Policy
CSPT_1	The government has a capital policy for development. Timely support industry.	☐	☐	☐	☐	☐
CSPT_2	There are many preferential policies on capital for development. Supporting Industry Development	☐	☐	☐	☐	☐
CSPT_3	Tax incentives for businesses Supporting industry	☐	☐	☐	☐	☐
CSPT_4	There are support policies for banks when participating in providing capital for supporting industry enterprises.	☐	☐	☐	☐	☐
CSPT_5	There is a mechanism for bank support when the bank fails. Debt recovery when lending to supporting industry enterprises.	☐	☐	☐	☐	☐
Supporting Industry Enterprises participate in industry clusters
CLKN_1	Supporting industry enterprises create value chains from the stage of supplying production materials.	☐	☐	☐	☐	☐
CLKN_2	Supporting industrial enterprises create value chains consumer product value	☐	☐	☐	☐	☐
CLKN_3	Supporting industry enterprises participate in the Agreements Association of Supporting Industries.	☐	☐	☐	☐	☐
CLKN _4	Supporting industry enterprises meet the scale Made to order	☐	☐	☐	☐	☐
CLKN_5	Supporting industrial enterprises can be raw material suppliers, manufacturers, distributors when join industry cluster	☐	☐	☐	☐	☐

Supporting Industry Enterprises Join Multinational Corporation Network

National Team_1	Supporting Industry Enterprises participating in branches of Multinational Corporation networks	☐	☐	☐	☐	☐
National Team_2	Supporting Industry Enterprises with Strategy business based on competitive advantage of the industry.	☐	☐	☐	☐	☐
National Team_3	Products of supporting industry enterprises adapt to the differences of each country	☐	☐	☐	☐	☐
National Team_4	Supporting Industry Enterprises create prestige and Brand when joining Multinational Corporation	☐	☐	☐	☐	☐
National Team_5	Supporting Industry Enterprises clearly understand and promptly grasp technical agreements, marketing agreements, research cooperation, and programs. collaborative management development program	☐	☐	☐	☐	☐
Credit quality
CLTD_ 1	The bank has a plan to build a guarantee target. credit quality	☐	☐	☐	☐	☐
CLTD_2	Bank credit quality is always of concern. heart	☐	☐	☐	☐	☐
CLTD_3	Credit quality is closely linked to credit growth. use	☐	☐	☐	☐	☐
CLTD_4	Banks regularly assess credit quality. use	☐	☐	☐	☐	☐
CLTD_5	The bank ensures the contents of credit quality: Building credit policies, building credit processes, perfecting the organizational structure. credit management	☐	☐	☐	☐	☐

THANK YOU VERY MUCH!

APPENDIX 06

OFFICIAL RESULTS

6.1. AVERAGE SCORE OF INFLUENCE FACTORS

Observation variable

Medium
CSTD1	When building credit policy for the industrial sector Support industry always meets practicality	3.18
CSTD2	Clear credit policy, suitable to actual conditions of the bank	3.27
CSTD3	Credit policy is regulated very clearly and specifically.	3.15
CSTD4	Credit policy is adjusted flexibly and promptly when There is a change in the policy of supporting capital for the supporting industry.	3.27
CSTD5	Credit policy is consistent with state policy. on capital support for supporting industry	3.56
QTTD1	Credit procedures are clearly and specifically defined. easy to understand, easy to do.	3.13
QTTD2	Branches of the commercial banking system always demonstrate compliance. high standards for credit processes.	3.21
QTTD3	The credit process is logical and practical.	4.40
QTTD4	The credit process of commercial banks ensures safety according to regulations. regulations of the State Bank.	4.37
QTTD5	The credit process is different for each industry. support industry	3.81
QLRR1	Ability to detect credit risks early	3.01
QLRR2	Timely grasp and clearly understand the mechanisms, policies and regulations process of performing operations.	3.43
QLRR3	Ability to analyze and measure credit risk	2.69
QLRR4	Experienced and ethical in risk management credit	3.54
QLRR5	The bank's ability to control and prevent risks is Good	3.35
TTKH1	Have diverse, complete and clear source of information	3.35
TTKH2	The source of information for credit processing is accurate, ensuring reliability. trust	3.26
TTKH3	The information collection and processing department works effectively.	3.41
TTKH4	There are clear regulations on the responsibilities of each individual for information collection and processing	2.88

Science and Technology 1

Investment costs for innovation and application of science and technology of suitable CNHT enterprises	3.21
Science and Technology 2	CNHT enterprises always tend to grasp promptly about science and technology in production and business	3.49
Science and Technology 3	CNHT enterprises apply technology flexibly. active	3.19
Science and Technology 4	CNHT enterprises have products applying technology to meet Responding to the trend of localization and internationalization	3.17
Science and Technology 5	CNHT enterprises have foreign links in innovation. innovation and application of science and technology in production and business	3.13
KNQL1	Professionally qualified IT business manager about production and business	2.98
KNQL2	Has the business manager ever held a management position? CNHT business operations	3.07
KNQL3	Business managers have the ability to predict development trends. future industry development	3.24
KNQL4	Change in thinking and creativity of business managers CNHT	3.34
KNQL5	Business managers regularly learn management experience from foreign businesses in the same field. industrial sector	3.00
NLTC1	Equity of supporting industry enterprises	3.27
NLTC2	Charter capital of supporting industry enterprises	3.11
NLTC3	Bank loans for supporting industry enterprises	3.22
NLTC4	The ability of enterprises to repay bank loans support industry	3.38
NLTC5	Annual profit of supporting industry enterprises	3.47
PAKD1	Supporting Industry Enterprises always have business plans. effective business	3.25
PAKD2	Supporting Industry Enterprises have business plans that are in line with the approved bank loan target. specified in the credit file	3.16
PAKD3	Business plan of supporting industry enterprise practical assistance	3.73
PAKD4	Business plan of supporting industry enterprise specific, clear support	3.31

PAKD5

The business plan of the supporting industry enterprise meets the goals and development strategies of the industry. Government support industry	3.38
CSPT1	The Government has a capital policy for industrial development. timely support	3.48
CSPT2	There are many preferential policies on capital for development. Supporting industry	3.43
CSPT3	Tax incentives for public enterprises support industry	3.32
CSPT4	There are support policies for banks when participating in providing Capital for supporting industry enterprises	3.49
CSPT5	There is a mechanism for bank support when the bank does not collect. debt when lending to supporting industry enterprises	3.34
CLKN1	Supporting industry enterprises create value chains from production material supply stage	3.25
CLKN2	Supporting industrial enterprises create product value chains consumer goods	3.39
CLKN3	Supporting industry enterprises participate in Associations of Supporting industry	3.39
CLKN4	Supporting industrial enterprises meet production scale on request	3.48
CLKN5	Supporting industrial enterprises can be raw material suppliers, manufacturers, distributors when participating in the cluster. industry	3.43
National Team 1	Supporting Industry Enterprises participating in branches of the Multinational Corporation network	3.33
National Team 2	Supporting Industry Enterprises have business strategies based on industry competitive advantage	3.49
National Team 3	Products of supporting industry enterprises meet to the differences of each country	3.34
National Team 4	Supporting Industry Enterprises create prestige and brand effect when joining Multinational Corporation	3.23
National Team 5	Supporting Industry Enterprises clearly understand and promptly grasp technical agreements, marketing agreements, research cooperation, and cooperative development programs. manage	3.38
CLTD_ 1	The bank plans to develop quality assurance indicators. credit amount	4.00
CLTD_2	Bank credit quality is always of concern.	3.67

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