Enhancing access to bank credit capital for small and medium enterprises in Thai Nguyen province

Otherwise, compared to the desired loan amount, the amount your business can borrow is approximately ……….%

The indicators	Reply
1. No collateral
2. Lack of completion of loan procedures
3. Incomplete and unclear financial reports
4. Unfeasible production plan
5. High interest rates
6. Other opinions…….

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Question 5: What difficulties did your SME encounter when borrowing capital from the bank? (You can choose multiple answers)

The indicators	Reply
1. No collateral
2. The business's credit history is not good
3. Incomplete and unclear financial reports
4. Unfeasible production plan
5. Failure to provide sufficient documents as required for loan application
6. Enterprises are bad customers
7. Other opinions…….

Question 6: What are the reasons why banks do not approve your business's loan? (You can choose multiple answers)

Question 7: Can your company borrow preferential loan packages from banks?

1. Yes  2. No 

If yes, please let us know what preferential loan packages are available?

………………………………………………………………………………………………

……………………………………………………………………………………………… Question 8: How do you evaluate the credit relationship between banks and SMEs?

(1). Very difficult • (2). Difficult • (3). Normal • (4). Favorable • (5). Very favorable •

Question 9: Evaluate factors from the SME side to access bank credit

Please indicate your level of agreement with the following statements on a scale of 1 to 5 according to convention:

1. Strongly disagree 2. Disagree 3. Partially agree

4. Agree 5. Strongly agree

Scale

Encryption	1	2	3	4	5
A. Factors affecting SMEs' access to bank credit capital
9.1. Collateral	CO
1. The value of the enterprise's collateral is always higher than the level assessed by the bank.	CO1
2. Enterprises can easily complete legal procedures regarding assets. guarantee to submit to the bank	CO2
3. To borrow bank credit, businesses must always have collateral.	CO3
4. The enterprise's collateral often meets the bank's requirements.	CO4
5. Collateral is used for multiple debt obligations	CO5
6. Enterprises have enough assets to secure loans	CO6

9.2. Relationship between enterprises and banks	RE
7. Enterprises are allowed to borrow credit capital from preferential credit packages of banks.	RE1
8. Enterprises regularly exchange credit information with banks.	RE2
9. Enterprises borrow capital many times from commercial banks in the province	RE3
10. During the loan process, businesses receive detailed advice and guidance from the bank.	RE5

9.3. Capacity of SMEs	CA
11. Businesses often borrow from capital sources quite easily and repay loans on time.	CA1
12. Enterprises with large market share	CA2
13. Workers' salaries at the company always increase every year.	CA3
14. The company's revenue always increases every year.	CA4
15. The brand/image of the enterprise is well known to consumers.	CA5
16. Enterprises tend to innovate modern science and technology in the production process.	CA6

9.4. Financial statements	FI
17. Financial statements and accounting books are published every year. year according to the standards of the State and the Bank	FI1
18. Enterprises annually conduct independent audits.	FI2
19. Financial statements submitted to banks are often easily accepted.	FI3
20. Amendments to the financial statements requested by the Bank easily implemented by businesses	FI4


9.5. Size of SMEs	SZ
21. Enterprise capital increases year by year	SZ1
22. Enterprise's labor increases year by year	SZ2
23. The business lines of the enterprise tend to expand. over the years	SZ3
24. Fixed assets of enterprises tend to increase over the years.	SZ4
25. The company produces at optimal output level.	SZ5

9.6. Business plan of the enterprise	BP
26. Ability to create feasible business projects	BP1
27. The enterprise's debt repayment plan is clear and feasible.	BP2
28. Production and business plan to respond to fluctuations price, market, other risks…	BP3
29. The enterprise has a team of specialized staff in investment project preparation.	BP4

9.7. Qualifications of the business owner
30. Business owners regularly attend training courses. expertise related to business operations of the enterprise	QU1
31. Business owners regularly update legal documents related to business activities of the enterprise	QU2
32. Business owners apply the content synthesized from the courses. study and legal documents into the business process of the enterprise	QU3
33. Business owners regularly participate in activities at Association	QU4
34. Business owners grasp information about the credit policy of NH clear	QU5
35. Business owners handle arising situations well.	QU6
36. Business owners always share information with employees.	QU7

B. Access to bank credit capital for SMEs (AC)
1. Access to diverse capital sources from credit institutions	AC1
2. Maximum access to credit information	AC2
3. Easy to complete loan procedures	AC3
4. Maximum access to bank loans	AC4

Question 10. What suggestions does your company have for credit institutions and the Government to help SMEs access bank credit more easily?

………………………………………………………………………………………………

Thank you very much for your cooperation!

SURVEY FORM OF BANK OFFICERS ON THE CURRENT STATUS OF BANK LENDING TO SME ENTERPRISES IN THAI NGUYEN PROVINCE

Dear Sir/Madam. I am Nguyen Thu Thuy - Lecturer of the Faculty of Economics - University of Economics and Business Administration - Thai Nguyen University. I am currently working on my PhD thesis: " Enhancing access to bank credit capital for small and medium enterprises in Thai Nguyen province ". In order to seek information for the thesis, I have created a survey form related to the content of the lending situation of commercial banks in Thai Nguyen province to small and medium enterprises. To provide information, please follow the interviewer's instructions and answer the questions. All information of the respondent and the bank will be kept confidential and anonymous. I commit to using this information only for research purposes.

Thank you very much for your cooperation!

Part 1: General information about the interviewee

1. Full name:......................................................................................

2. Age:

1. Under 30 years old 2. From 30 to 40 years old 3. From 40 to 50 years old 4. From 50 to 60 years old

3. Gender:  (Male…1, Female…0)

4. Current position:

1. Director, Deputy Director 2. Head, Deputy Head of Department 3. Specialist

5. Qualification:

1. Postgraduate 2. Undergraduate

6. Number of years of experience as a credit officer (CBTD)

1. Under 5 years 2. From 5 to 10 years 4. From 10 to 15 years 5. Over 15 years

7. Work unit:

................................................................ ................................................................ ................................................

Part 2: Survey on lending situation for small and medium enterprises (SMEs) at banks (NH)

Question 1: Who are your Bank's strategic target customers?

1. State-owned enterprises 

2. Foreign invested enterprises 

3. Small and medium enterprises 

4. Business households, individuals 

Question 2: Outstanding credit loans for SMEs at your bank account for about

……………..% of total outstanding debt

In which: + Short-term debt accounts for:……………% of total debt

+ Long-term debt accounts for:……………% of total debt

Question 3: What difficulties do you encounter when your SME borrows capital from the bank? (You can choose multiple answers)

The indicators

Reply
1. No collateral
2. Lack of completion of loan procedures
3. Incomplete and unclear financial reports
4. Unfeasible production plan
5. High interest rates
6. Other opinions…….

Question 4: What percentage of SMEs are approved/not approved for loans by your bank?

- Loan approval rate:…………………….%

- Loan rejection rate:…………………….%

Question 5: What are the reasons why your bank does not approve loans for SMEs? (You can choose multiple answers)

The indicators

Reply
1. No collateral
2. The business's credit history is not good
3. Incomplete and unclear financial reports
4. Unfeasible production plan
5. Failure to provide sufficient documents as required for loan application
6. Enterprises are bad customers
7. Other opinions…….

Question 6: Does your bank have preferential loan packages for SMEs?

1. Yes  2. No 

If yes, please indicate the preferential loan packages implemented by the Bank:

………………………………………………………………………………………………

………………………………………………………………………………………… Question 7: How do you evaluate the credit relationship between banks and SMEs? (1). Very difficult • (4). Favorable •

(2). Difficult • (5). Very favorable • (3). Normal•

Question 8: Evaluate the level of influence of factors from the bank's side on SMEs' access to bank credit

Please indicate your level of agreement with the following statements on a scale of 1 to 5 according to convention:

1. Strongly disagree 2. Disagree 3. Partially agree

4. Agree 5. Strongly agree

Scale

Encryption	1	2	3	4	5
8.1. Interest	GO OUT
1. Flexible bank loan interest rates in each credit package	RA1
2. Loan interest rates for SMEs are always more favorable than other sectors.	RA2
3. Bank lending interest rates are lower than interest rates from other lending sources (credit from partners, credit capital, foreign loans, etc.)	RA3
4. Bank interest rates are always lower than the interest rates regulated by the State Bank.	RA4

8.2. Loan procedures	PR
5. Clear and easy-to-understand loan procedures and documents	PR1
6. Banks regularly simplify lending procedures	PR2
7. Business loan applications often easily meet bank requirements.	PR3
8. The Bank regularly evaluates the credit history of client	PR4
9. NH regularly updates the legal document system. Law on lending conditions	PR5

8.3. Diversity of credit packages	VA
10. Banks quickly make adjustments to preferential credit packages when the Government launches a financial support program. main	VA1
11. Does the bank have many credit packages for SMEs? collateral requirements	VA2
12. The bank has many preferential credit packages for SMEs.	VA3
13. The Bank provides credit packages for each business sector of SMEs.	VA4

8.4. Qualifications of credit officers	QO
15. CBTD always understands legal documents and credit policies. use of NH	QO1

Scale

Encryption	1	2	3	4	5
16. CBTD always ensures fairness to all customers.	QO2
17. The processing of business loan applications is done quickly and accurately by CBTD.	QO3
18. CBTD is always ready to accompany and resolve disputes. meet customer needs	QO4

8.5. Regulations on collateral	AS
19. The value of collateral that the bank determines is often high. more than DN rated	AS1
20. Most of the enterprises' collateral assets meet the requirements of the bank.	AS2
21. The procedures and regulations for assessing collateral are flexible and easy to implement.	AS3
22. Banks easily determine the ownership of the enterprise's assets.	AS4