COMMITMENT
I hereby declare that this is my own research work. The data used in this thesis are genuine. The scientific conclusions stated in this thesis have never been published in any other work.
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Managing the development of the Finance - Banking training program under the credit system at Thai Nguyen College of Economics and Finance - 1 -
Benefits of Bank Credit Information System -
Solutions for developing application information systems in the current Vietnamese banking system - 17 -
Solutions for developing application information systems in the current Vietnamese banking system - 5 -
Phan Thi Thu Ha, 2006, Credit Risk of the Banking System
Thesis author
Sinnakhone SIHAPANNHA
INDEX
1.1.2. Credit demand for commercial bank credit activities 13
1.1.3. Bank credit information 14
1.1.4. Bank credit information system 19
1.1.5. The need to organize a banking credit information system
................................................................ ................................................................ ..............24
1.1.6. Benefits of the bank credit information system 27
1.2.2. Operation cycle of the bank credit information system..35 1.3.1. Experience of some countries on the bank credit information system 68
LIST OF ABBREVIATIONS
TCTD: Credit institution
TTTD: Credit information NHTM: Commercial bank
CHDCND: People's Democratic Republic SBV: State Bank NHTM: Commercial Bank NHTW: Central Bank
DN : Enterprise
XLTD: Credit rating TSDBTV: Loan collateral
LIST OF TABLES
Table 1.1 Corporate credit rating table 49
Table 2.1. Information provision results of the 99 Information Center
Table 2.2: Service fee collection level at TTTD Center 102
Table 2.3: Information service fee of Information Center 103
Table 3.1: Structure of enterprise code 144
Table 3.2: List of warning signs of deteriorating corporate financial situation 147
Table 3.3: Warning list of businesses with signs of suspicion or law violations 148
LIST OF DIAGRAMS
Diagram 1.1 Organizational structure of bank credit information system 29
Diagram 1.2 Operational cycle of the banking information system 31
Diagram 1.3 Information relationships in the banking information system 39
Diagram 1.4 Relationship between providers and users of information technology 40
Figure 1.5 Corporate credit rating process 45
Diagram 3.1 Complete organizational structure of the 134 TTTD Center
Figure 3.2 Expanding information collection sources 138
LIST OF IMAGES
Figure 2.1: Outstanding credit balance of credit institutions at the Credit Information Center 90
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Figure 2.2: Outstanding debt levels of foreign commercial banks collected at the Credit Information Center107 Figure 2.3: Outstanding debt reporting levels of some commercial banks 108
INTRODUCTION
1. Urgency of the topic
Credit activities play a very important role, it determines the existence of a business.
existence and development of credit institutions (CIs), especially for small and medium-sized enterprises (SMEs).
Lao PDR Commercial Joint Stock Bank is currently operating mainly through traditional banking services.
To develop, credit institutions must conduct safe credit activities.
Therefore, the credit institution needs to have complete information.
and exactly to
choice for
investment, prevention and limitation of credit risks. Information activities
Bank credit was born and developed to meet the demand.
objective reality of the banking system's operations.
Currently, credit activities are still the main activities of commercial banks (CBs), with two basic input factors being capital and information. These are the two most important factors determining the existence and development of a bank. In the information serving the credit business of commercial banks, bank credit information occupies a very important position, because it is directly related to customers, including information on the operating situation, financial situation, rating, and assessment of customers' ability to repay debts. More
moreover, in the economy
market
The school often has information problems.
disproportionate in credit activities, causing many risks for commercial banks. Therefore, banking credit information has really become important for the survival of banks in the market economy. Nowadays, credit information becomes even more necessary when the world economy is facing many challenges in the process of economic globalization.
From that need, international financial organizations have made efforts to research, summarize experiences and find measures to promote the development of credit information activities globally with the hope of creating more effective shields against the risk of economic crisis in the future. Along with the common efforts of the international financial community, the Bank of the Lao PDR has made many efforts to promote credit information activities of the banking credit information system with the aim of limiting credit risks, ensuring the safety of the banking system to contribute to the development of the country's economy.
However, because the credit information activities in Lao PDR are still new, despite many efforts, the credit information system of Lao PDR banks has not yet met the increasingly high demands of credit activities in the banking system. Credit information activities in Lao PDR have achieved some major achievements such as organizing and perfecting the State Bank's Credit Information Center, providing timely and accurate credit information to customers, and helping commercial banks effectively use credit information. However, the TTTD has some limitations: The TTTD Center collects complete information, the analysis of TTTD does not have a common standard, the information needs of commercial banks are not close to credit activities, the cost of providing information is still high... Therefore, research to propose solutions to develop the TTTD system of Lao PDR banks is really an urgent requirement both in theory and in practice of banking activities, not only for Lao PDR but also for developing countries, especially for countries transitioning to a market economy.
In that context the author
selected topic
Resources:
“Complete the system
credit information system in the banking system of the Democratic Republic of Vietnam