Improving the efficiency of credit management of Vietnamese commercial banks

20. Nguyen Dai Lai (2014), “Sluggish credit and the current problem of restructuring credit institutions? What solutions?”.

21. Nguyen Viet Loi (2018) “ Money and credit markets - Prospects and challenges ”

22. Le Thi Tuan Nghia, Chu Khanh Lan (2014) “Credit supply and demand – Current situation and solutions” – Banking Academy

23. To Kim Ngoc (2013), “ Using tools in monetary policy management of the State Bank of Vietnam from 2011 to present” , Proceedings of the scientific seminar Looking back at the policy management of the State Bank 2011 - 2013: Results and challenges.

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24. Peter Rose, (2007), Commercial Bank Management, National Economics University Publishing House. (Translated by the author group of National Economics University) (p. 619)

25. Do Hoang Toan and Mai Van Buu (2005), State management of economy, National Economics University Publishing House, pp. 19,20.

26. Le Duc Tho (2017), “Credit activities of commercial banks, current situation, controlling factors, forecast for the coming time”

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28. Le Van Te (2013). Bank credit, Labor Publishing House

29. Le Van Tu (2005), Commercial Bank Management, Finance Publishing House

30. Nguyen Huu Tai (2002), Financial and monetary theory . Statistical Publishing House.

31. Nguyen Huu Tien (2003), Risk management in banking business . Statistical Publishing House.

32. Nguyen Thi Kim Thanh (2010) "Orientation for banking sector development to 2020" No. 21 Banking magazine

33. Nguyen Van Tien (2005), Risk management of commercial banks, Statistical Publishing House (page 313)

34. Nguyen Van Tien (2009), Bank credit, Statistical Publishing House pp. 53, 54, 57, 58, 60, 61, 260, 261.

35. BIDV Research Center, (2014), “Report on assessment of bank credit activities and proposed solutions for credit growth and bad debt handling”, Report No. 314/2014.

36. National Assembly Economic Committee (2013), “ Economic Report 2013: Challenges Ahead”.

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LIST OF PUBLISHED SCIENTIFIC WORKS OF THE AUTHOR

1. Tran Viet Hung (2008), Looking back at Vietnam's insurance market after one year of joining the WTO . Economic - Development Journal, National Economics University, March 2008.

2. Tran Viet Hung (2011), Some solutions to develop the retail market of consumer goods in rural Vietnam today . Journal of Economics - Development, National Economics University, June 2011.

3. Tran Viet Hung (2015), Bad debt: concern of the whole economy and solutions in the coming time. Asia - Pacific Economic Journal, 7/2015.

4. Tran Viet Hung (2018) Factors affecting bad debt of corporate loans of Vietnamese commercial banks . Asia-Pacific Economic Journal, March 2018.

APPENDIX

Documents and regulations on credit management of the State Bank from 2010-2018

+ Circular No. 04/2010/TT-NHNN dated February 11, 2010 regulating mergers, consolidations and acquisitions of credit institutions.

+ Circular No. 05/2010/TT-NHNN dated February 12, 2010 amending a number of articles of Circular No. 14/2009/TT-NHNN dated July 16, 2009 detailing the implementation of interest rate support for loans to the poor and other policy beneficiaries at the Bank for Social Policies.

+ Circular No. 08/2010/TT-NHNN dated March 22, 2010, Regulations on special control over credit institutions

+ Circular No. 02/2011/TT-NHNN dated March 3, 2011 regulating maximum interest rates for capital mobilization in Vietnamese Dong.

+ Circular 05/2011/TT-NHNN dated March 10, 2011 Regulating the collection of loan fees by credit institutions for customers.

+ Circular 11/2011/TT-NHNN dated April 29, 2011 regulating the termination of gold mobilization and lending by credit institutions.

+ Circular No. 22/2011/TT-NHNN dated August 30, 2011 Amending and supplementing a number of articles of Circular No. 13/2010/TT-NHNN dated May 20, 2010 of the Governor of the State Bank regulating safety ratios in the operations of credit institutions.

+ Circular No. 33/2011/TT-NHNN dated October 8, 2011 Amending and supplementing a number of articles of Circular No. 13/2010/TT-NHNN dated May 20, 2010 regulating safety ratios in the operations of credit institutions and the Regulations on lending of credit institutions to customers issued together with Decision No. 1627/2001/QD-NHNN dated December 31, 2001 of the Governor of the State Bank.

+ Circular No. 32/2011/TT-NHNN dated October 6, 2011 Amending and supplementing a number of articles of Circular No. 11/2011/TT-NHNN dated April 29, 2011 of the State Bank of Vietnam regulating the termination of capital mobilization and lending in gold by credit institutions.

+ Document 7789/NHNN-TTGSNH dated November 27, 2012 on provisioning and using provisions to handle risks.

+ Document 780/QD-NHNN dated April 23, 2012 on debt classification for debts with adjusted debt terms and debt extension.

+ Circular No. 07/2013/TT-NHNN dated March 14, 2013, regulating special control over credit institutions.

+ Document 8412/NHNN-TTGSNH dated November 12, 2013 on the implementation of Decision No. 843/QD-TTg dated May 31, 2013 of the Prime Minister approving: 'Project on handling bad debts of the credit institution system' and 'Project on establishing the Asset Management Company of Vietnam credit institutions'.

+ Document 1691/NHNN-TD dated March 19, 2014 on the request of 5 commercial banks: Agribank, BIDV, Vietinbank, Vietcombank, MHB to reduce lending interest rates for livestock farming, pork, poultry, catfish and shrimp processing to a maximum of 8%/year.

+ Consolidated Document No. 20/VBHN-NHNN dated May 22, 2014 on promulgating the Regulations on lending by credit institutions to customers.

+ Circular No. 14/2014/TT-NHNN dated May 20, 2014 amending and supplementing a number of articles of the Regulations on debt classification, provisioning and use of reserves to handle credit risks in banking activities of credit institutions issued under Decision No. 493/2005/QD-NHNN dated April 22, 2005 of the Governor of the State Bank.

+ Decision 1050/QD-NHNN dated May 28, 2014 on the pilot lending program for agricultural development according to Resolution 14/NQ-CP dated March 5, 2014 of the Government.

+ Consolidated Document No. 22/VBHN-NHNN dated June 4, 2014 Promulgating regulations on debt classification, provisioning and use of reserves to handle credit risks in banking activities of credit institutions.

+ Circular No. 14/2015/TT-NHNN dated August 28, 2015 Amending and supplementing a number of articles of Circular No. 19/2013/TT-NHNN dated September 6, 2013 of the Governor of the State Bank of Vietnam regulating the purchase, sale and handling of bad debts of the Asset Management Company of Vietnamese credit institutions.

+ Consolidated Document No. 07/VBHN-NHNN dated September 9, 2015, Regulations on the purchase, sale and handling of bad debts of the Asset Management Company of Vietnam Credit Institutions.

+ Consolidated Document No. 28/VBHN-NHNN dated October 8, 2014 detailing preferential interest rate lending policies under the Support Program for Poor Districts in Resolution No. 30a/2008/NQ-CP dated December 27, 2008 of the Government.

+ Circular No. 36/2015/TT-NHNN dated December 31, 2015 regulating the restructuring of credit institutions.

+ Consolidated Document No. 10/VBHN-NHNN dated December 17, 2015 on promulgating the Regulation on compulsory reserves for credit institutions.

+ Circular No. 06/2016/TT-NHNN dated May 27, 2016 on Amending and supplementing a number of articles of Circular No. 36/2014/TT-NHNN dated November 20, 2014 of the Governor of the State Bank regulating limits and safety ratios in the operations of credit institutions and foreign bank branches.

+ Circular 08/2016/TT-NHNN dated June 16, 2016 on Amending and supplementing a number of articles of Circular 19/2013/TT-NHNN dated September 6, 2013 of the Governor of the State Bank on the purchase, sale and handling of bad debts of asset management companies of Vietnamese credit institutions.

+ Circular 39/2016/TT-NHNN dated December 30, 2016 on regulations on lending activities of credit institutions and foreign bank branches (hereinafter referred to as credit institutions) to customers.

+ Directive 06/CT-NHNN dated July 20, 2017 on implementing Resolution 42/2017/QH14 on piloting bad debt settlement of credit institutions and Decision 1058/QD-TTg approving the Project on restructuring the system of credit institutions associated with bad debt settlement for the period 2016-2020 issued by the State Bank of Vietnam.

+ Circular 18/2017/TT-NHNN dated December 27, 2017 amending and supplementing a number of articles of Circular No. 24/2015/TT-NHNN dated December 8, 2015 of the Governor of the State Bank of Vietnam regulating foreign currency lending by credit institutions and foreign bank branches to borrowers who are residents.

+ Circular 21/2017/TT-NHNN dated December 29, 2017 on Regulations on loan disbursement methods of credit institutions and foreign bank branches for customers

+ Circular 01/2018/TT-NHNN dated January 26, 2018 on regulations on special loans for credit institutions under special control.

+ Circular 16/2018/TT-NHNN dated July 31, 2018 Amending and supplementing a number of articles of Circular No. 36/2014/TT-NHNN dated November 20, 2014 of the Governor of the State Bank stipulating limits and safety ratios in the operations of credit institutions and foreign bank branches.

+ Directive No. 04/CT-NHNN dated August 2, 2018 on continuing to effectively implement key tasks and solutions of the banking industry in the last 6 months of 2018.

+ Circular 19/2018/TT-NHNN dated August 28, 2018 on guidance on foreign exchange management for Vietnam - China border trade activities.

+ Directive 06/CT-NHNN dated October 2, 2018 on rectifying, strengthening prevention and combating of violations of the law to ensure security and safety of operations in the People's Credit Fund system issued by the State Bank of Vietnam.

+ Circular No. 25/2018/TT-NHNN dated October 24, 2018 on amending and supplementing a number of articles of Circular No. 10/2015/TT-NHNN dated July 22, 2015 of the Governor of the State Bank of Vietnam guiding the implementation of a number of contents of Decree No. 55/2015/ND-CP dated June 9, 2015 of the Government on credit policy for agricultural and rural development (hereinafter referred to as Circular No. 10/2015/TT-NHNN).

+ Circular No. 36/2018/TT-NHNN dated December 25, 2018 on regulations on lending activities for overseas investment by credit institutions and foreign bank branches.

In addition, during the 2010-2018 period, the State Bank issued more than 10 circulars related to the regulation and adjustment of bank credit interest rates with the aim of effectively managing credit activities and stabilizing the macro economy.

Improving the efficiency of credit management of Vietnamese commercial banks - 21

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