Factors affecting personal credit risk at Vietnam Joint Stock Commercial Bank for Industry and Trade - Ba Ria Vung Tau Branch

5.3. Limitations of the topic and future research directions

Firstly , the information collected through surveys is from the customer's side, so it is inevitable that customers will provide incorrect information.

Second , the issue of adding personal characteristics variables that can affect credit risk is necessary, because in many previous studies, it can be seen that there are many factors that the research has not mentioned, such as interest rates, collateral, total assets of customers, or some variables related to the bank such as qualifications, experience of loan officers, management and supervision processes, which are also factors that will affect personal credit risk, which within the limits of the research, there is no opportunity to mention.

Third , regarding the research sample size, although it has been able to meet the required level of reliability in the analysis, however, in order to increase the ability to fully reflect the influence of factors on credit risk, it is possible to add more survey samples, thereby increasing the accuracy of the model.

CHAPTER 5 SUMMARY

Chapter 5 presents the contents to solve two research objectives of the topic, first is to find out the factors affecting personal credit risk at the Vietnam Joint Stock Commercial Bank for Industry and Trade - Ba Ria Vung Tau Branch, second, is to present solutions for the Branch, with the Head Office, to be able to complete the risk management work at the unit, as well as, create conditions for personal credit to continue to be developed, becoming a spearhead bringing high profits to the banking industry in the future.

Vietnamese

REFERENCES

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Huynh Nguyen Duc Huy (2007), Improving the quality of lending activities to individual customers at non-state-owned joint stock commercial banks in Ho Chi Minh City , Master's thesis in economics, University of Economics, Ho Chi Minh City.

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English

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APPENDIX

APPENDIX 1: OUTLINE FOR DISCUSSION WITH EXPERTS

Hello everyone. I am Le Tri Toan, currently conducting research on “Factors affecting personal credit risk at Vietnam Joint Stock Commercial Bank for Industry and Trade - Ba Ria Vung Tau Branch” . Thank you very much and I hope you will participate and spend some time to exchange some of your thoughts and contribute your opinions to the research on this issue. Your opinions will only be used for scientific research and will be kept confidential.

Regarding factors affecting personal credit risk at commercial banks, please let us know if there are any new factors to add, remove or adjust the names of the influencing factors?

Factors affecting personal credit risk at commercial banks:

(1) Gender

(2) Age

(3) Marital status

(4) Family status

(5) Occupation

(6) Time living at current address

(7) Current job position

(8) Customer's financial capacity

(9) Housing conditions

(10) Professional competence.

Thank you very much for your cooperation!

APPENDIX 2: RESULTS OF DISCUSSIONS WITH EXPERTS

1. List of experts

STT

Full name	Title	Department
1	HUYNH CONG LOI	MANAGER	BOARD OF DIRECTORS
2	TRAN VAN DUNG	VICE PRESIDENT	BOARD OF DIRECTORS
3	TRAN THI KIM DUNG	VICE PRESIDENT	BOARD OF DIRECTORS
4	BUI THI THU HA	VICE PRESIDENT	BOARD OF DIRECTORS
5	NGUYEN THI TRINH	HEAD OF DEPARTMENT	RETAIL
6	HAI THUAN GROUP	DEPUTY DIRECTOR	RETAIL
7	TA THI SON CA	DEPUTY DIRECTOR	RETAIL
8	ARC	HEAD OF DEPARTMENT	CLIENT BUSINESS
8	DOAN THI THANH NHAN	DEPUTY DIRECTOR	CLIENT BUSINESS
10	LE THI THU HANG	DEPUTY DIRECTOR	CLIENT BUSINESS
11	HUYNH THANH NGHIA	HEAD OF DEPARTMENT	GENERAL DEPARTMENT
12	PHUONG HA HERBAL	DEPUTY DIRECTOR	GENERAL DEPARTMENT

Maybe you are interested!

2. Discussion results

Interview results of credit officers at Vietnam Joint Stock Commercial Bank for Industry and Trade - Ba Ria Vung Tau Branch

STT

Factor name	Number of methods choice	Number interview	Proportion
1	Sex	10	12	83.33%
2	Age	12	12	100.00%
3	Marital status	11	12	91.67%
4	Family status	12	12	100.00%
5	Job	12	12	100.00%
6	Time lived at current address	12	12	100.00%
7	Current job position	11	12	91.67%
8	Customer's financial capacity	10	12	83.33%
9	Housing conditions	12	12	100.00%
10	Professional competence	10	12	83.33%

Source: Author's compilation, 2019

The results table shows that most experts agree that the factors presented above. These are also the factors proposed in the research model. The selection rate of factors related to borrower characteristics to personal credit risk at Vietnam Joint Stock Commercial Bank for Industry and Trade - Ba Ria Vung Tau Branch is over 83.33%, a fairly high result. Therefore, the author will choose these factors to conduct quantitative research.

APPENDIX 3: SURVEY QUESTIONNAIRE

Our research team is conducting research on the current status of personal credit at Vietnam Joint Stock Commercial Bank for Industry and Trade - Ba Ria Vung Tau Branch, including collecting credit information and personal characteristics of customers as a basis for research and analysis, in order to find solutions to improve personal credit services in the future. We hope to receive support from customers in completing the survey contents below.

We guarantee that customer information will be kept confidential and only used during the research process.

Please circle the corresponding number or write the information in the corresponding blank space.

PART A: MANAGEMENT INFORMATION

Sample order number:

Respondent Name: Phone Number:

Interviewer Name:

Interview Date: Interview Location:

PART B: CONTENT

1. What is your gender?

Male