EDUCATION AND TRAINING STATE BANK OF VIETNAM BANKING UNIVERSITY OF HO CHI MINH CITY
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VO MINH DUC
BANK CREDIT FOR ECONOMIC STRUCTURE TRANSFORMATION IN HO CHI MINH CITY
DOCTORAL THESIS
HO CHI MINH CITY 2018
MINISTRY OF EDUCATION AND TRAINING STATE BANK OF VIETNAM
HO CHI MINH CITY BANKING UNIVERSITY
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VO MINH DUC
BANK CREDIT FOR ECONOMIC STRUCTURE TRANSFORMATION IN HO CHI MINH CITY
DOCTORAL THESIS
Major: Finance - Banking Code: 9.34.02.01
Scientific supervisor: Associate Professor, Dr. Ngo Huong
HO CHI MINH CITY 2018
COMMITMENT
My name is: Vo Minh Duc Date of birth: October 15, 1977 Place of birth: Quang Tri
Currently working at: Banking University of Ho Chi Minh City;
PhD student, course 16 – (2011–2015) of Banking University of Ho Chi Minh City;
I hereby declare that the topic: “Bank credit for economic restructuring in Ho Chi Minh City” is the result of my independent study, scientific research and serious work;
The data in the thesis has clear and reliable sources; I am fully responsible for my commitment.
Ho Chi Minh City, October 1, 2018 AUTHOR
VO MINH DUC
ACKNOWLEDGEMENTS
During the process of studying, researching and writing my thesis, I have received the help and enthusiastic guidance of Associate Professor, Dr. Ngo Huong; teachers, scientists; and the staff of the Postgraduate Training Department of Banking University of Ho Chi Minh City who have wholeheartedly helped me during the process of studying and researching to complete my graduation thesis. I would like to sincerely thank you.
I would also like to sincerely thank the staff of the State Bank of Vietnam, Ho Chi Minh City Branch, especially the General Planning Department, for their enthusiastic support in providing data for the research of this topic.
Although the learning and research process has made every effort and the desire to thoroughly solve the problems within the scope of the research topic, due to limited capacity and knowledge, on the other hand, the effectiveness of credit for economic restructuring is a rather complex and extensive topic, so the research results of the thesis topic cannot avoid shortcomings and defects. I look forward to receiving comments from scientists and experts to further improve my research topic.
Once again, I would like to sincerely thank the teachers and colleagues at the School, the State Bank of Vietnam, Ho Chi Minh City Branch and my family for helping me share my difficulties and creating conditions for me to complete my graduation thesis!
Ho Chi Minh City, October 1, 2018 AUTHOR
VO MINH DUC
Agribank Vietnam bank for Agriculture and Rural Development – Vietnam Bank for Agriculture and Rural Development
ATM Automated teller Machine – Automatic teller machine
BIDV Stock Commercial Bank for Investment and Development – Joint Stock Commercial Bank for Investment and Development
CBTD Credit Officer
CCKT Economic structure
CD CCKT Economic restructuring
CDCC Structural Transformation
CIC Credit information center – Credit information center
Industrialization and modernization
CSTD Credit Policy
State-owned enterprises State-owned enterprises
DPRR Risk Reserve
FDI Foreign Direct Investment - Foreign Direct Investment
FED Federal Reserve System ( FED) - US Federal Reserve
GDP Gross Domestic Product (GDP) - Gross Domestic Product
Key Economic Zone
State Bank of Vietnam
Commercial Bank Commercial Bank
ODA Official Development Assistance - Official Development Assistance OECD Organization for Economic Cooperation and Development
ROA Return On Asset – Return on total assets
ROE Return On Equity – Return on Equity
RRTD Credit Risk
Technology Equipment
Credit institutions
Ho Chi Minh City Ho Chi Minh City
TTTD Credit Information
USD US Dollar – US Dollar
Vietnam Asset Management Company Viet Nam Asset Management
VAMC
Company – One-member limited liability company managing assets of Vietnamese credit institutions
Vietcombank Joint Stock Commercial Bank for Foreign Trade Vietinbank Joint Stock Commercial Bank for Industry and Trade VND Vietnamese Dong
LIST OF TABLES, CHARTS, GRAPHS, FIGURES
STT PAGE CATEGORY
1. Table 3.1: GDP growth index over the years 56
Table 3.2: GDP structure in Ho Chi Minh City divided by economic sector
2. 57
economic period 2012 - 2017
3. Table 3.3: Economic structure by sector in GDP of City 58
4. Table 3.4: Investment capital structure by economic sector 59
5. Table 3.5: Structure of capital sources for basic construction investment 2012 -2017 60
6. Table 3.6: Structure of State investment capital for construction and development 61
7. Table 3.7: Labor structure in industries 62
8. Table 3.8: Changes in area of some land types 63
9. Table 3.9: Network of operations of credit institutions in the city 64
10. Table 3.10: Charter capital and assets of commercial banks 65
11. Table 3.11: Mobilized capital, outstanding loans for GDP growth 65
Chart 3.1: Mobilization and lending results of the commercial banking system above
12. 67
Ho Chi Minh City area 2012-2017
Table 3.12: Capital mobilization and supply of credit institutions in the city.
13. 68
HCM
14. Table 3.13: Loans for CCKT transformation by industry 71
15. Table 3.14: Capital investment for economic sectors of credit institutions 72
16. Table 3.15: Loans for CCKT transformation by industry 73
17. Chart 3.2: Lending for CCKT transformation by industry 73
Table 3.16: Credit capital investment for economic components of the
18. 75
TCTD.
19. Figure 3.1: Research process 78
Table 3.17: Scale of factors affecting TDNH with CD CCKT
20. 80
Ho Chi Minh City
Table 3.18: Scale of bank credit level with transition
22. | CCKT encryption Table 3.19: Field of work | 87 |
23. | Chart 3.1: Field of work | 87 |
24. | Table 3.20: Gender | 89 |
25. | Graph 3.2: Gender | 88 |
26. | Table 3.21: Education level | 87 |
27. | Graph 3.3: Education level | 90 |
28. | Table 3.22: Age | 89 |
29. | Graph 3.4: Age | 89 |
30. | Table 3.23: Work experience | 89 |
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21. 81
Table 3.24 Summary of Cronbach Alpha reliability of the credit scales
31. 93
banking with CDCCKT
32. Table 3.25 Cronbach Alpha reliability of dependent variable 94
33. Table 3.26: KMO and Bartlett test results: 95
34. Table 3.27. Rotation matrix results 96
35. Table 3.28: KMO and Bartlett's Test KMO and Bartlett's Test 97
Table 3.29: Summary of TDNH impact scales with CDCCKT TP
36. 98
HCM
37. Table 3.30: Correlation coefficient 100
38. Table 3.31 Summary of regression results 101
39. Table 3.32 Model fit (ANOVAa) 101
40. Table 3.33 Regression results 102
41. Table 3.34 Results of testing research hypotheses 103