In the same area, there are cases where enterprises borrow from two banks for a construction contract, or transfer loans from one bank to another, causing difficulties in management. Meanwhile, coordination and information exchange between credit institutions is not good. Credit institutions often keep secrets and do not provide information. In some cases, customers are Having difficulties, having overdue debts at this credit institution, but other credit institutions still lend normally, the enterprise's revenue is transferred to many credit institutions, credit institutions have difficulty controlling the revenue, thus easily causing risks.
Recommendation: The State Bank needs to seriously handle the situation of enterprises taking advantage of borrowing capital from many banks to commit debt fraud, causing a situation of unmanageable capital loans from banks. If an enterprise is found to have this behavior, it should notify credit institutions to limit credit provision. At monthly meetings between State Bank branches and local commercial banks, the State Bank should inform credit institutions of the situation of enterprises borrowing from many credit institutions, so that they can exchange information, thereby detecting enterprises showing signs of risk and credit institutions can coordinate together in effective capital management./ .
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CONCLUSION
Credit activities are the main profit-generating activities in the business operations of the Bank for Investment and Development of Vietnam and this is also an area that contains many potential risks. Overdue debts tend to increase, affecting the credit quality as well as the business efficiency of the bank. To gradually strengthen its financial system and prepare for the integration process, the Bank for Investment and Development of Vietnam must strengthen credit quality control. Therefore, the issue of providing solutions to limit credit risks at the Bank for Investment and Development of Vietnam is truly a top concern. Based on the actual situation of credit activities at the Bank for Investment and Development of Vietnam, the author has researched theoretical issues on the causes leading to credit risks as well as risk prevention measures and the actual occurrence of risks in credit activities at the Bank for Investment and Development of Vietnam.
Based on the analysis of the current status of credit activities and a deep analysis of the group of causes leading to credit risks, a number of tools to control credit activities as well as limitations in risk management at the Bank for Investment and Development of Vietnam are proposed. Thereby, we can see the necessity of risk prevention in credit activities and the need for solutions to improve risk prevention work at the Bank for Investment and Development of Vietnam in the coming time.
Based on theory and practice, the thesis proposes a number of recommendations with the hope of contributing to the improvement of risk prevention solutions to ensure safety.
To ensure that credit activities in particular and business activities in general at the Bank for Investment and Development of Vietnam are safe, effective and develop sustainably./.
Due to the short research time, the above thesis cannot avoid mistakes. We look forward to receiving sincere comments from teachers and students.