Improving the quality of lending to small and medium-sized enterprise customers at the Vietnam Development Investment Bank branch - bidv tu son

- Regarding lending interest rates: Interest rates are an important tool in the competitive measures of banks. Therefore, determining a reasonable interest rate is not simple. That interest rate must ensure that it covers all costs and is profitable for the bank, but it must also be lower than the average profit rate achieved by businesses. However, with the current weakness of small and medium enterprises in our country, there needs to be a preferential interest rate to support their development.

In addition to innovating lending to SMEs, lending methods need to be more diverse and rich to suit the multi-sector economy in our country.

Branches should also proactively expand training courses, improve new professional knowledge in the fields of information, e-commerce, e-banking, etc. for staff to improve their understanding and application.

Maybe you are interested!

CONCLUDE

Vietnam is increasingly opening its doors to integrate with the world market, integrating with the general financial market. Therefore, commercial banks are constantly developing strategies to increase market share, the Vietnam Investment and Development Bank system - BIDV in general and the Vietnam Investment and Development Bank - BIDV Tu Son branch in particular are not outside this trend. In recent years, the branch has had a fairly high growth rate over the years. The scale of lending capital has only developed in breadth but not in depth, as evidenced by the fact that the quality of loans is not really high. However, the branch has gradually paid attention to this issue, especially the branch has had policies to improve the quality of loans for SMEs, but the implementation process still faces significant difficulties. In the future, if this is not overcome, this will be a major obstacle in achieving the branch's growth target. By applying scientific research methods and theories on loan quality, the thesis with the topic "Improving loan quality for small and medium-sized enterprise customers at the Vietnam Development and Investment Bank - BIDV Tu Son branch" has initially assessed and analyzed the current status of loan quality for SMEs at the bank branch. And the last part of the thesis also points out the problems and causes, thereby proposing solutions to solve those remaining problems.

Due to the limited theoretical level as well as practical experience, the thesis will inevitably have shortcomings. I look forward to receiving comments from the instructor and the brothers and sisters in the branch to make the thesis more complete.

Thank you very much!

APPENDIX

01. Confirmation from the internship unit at the Vietnam Development and Investment Bank branch - BIDV Tu Son.

REFERENCES

1. Associate Professor, Dr. Le Van Te (2003), Commercial Banking Operations , Statistical Publishing House.

2. Le Hong Quang (2006), Improving the quality of lending to small and medium enterprises at Transaction Office 1 - Vietnam Joint Stock Commercial Bank for Industry and Trade , National Economics University.

3. Nguyen Quy Duc (2002), Solutions to improve credit quality for small and medium enterprise customers at the branch of the Bank for Agriculture and Rural Development, Tan Ky district , University of Business and Technology.

4. Government of Vietnam (2009), Decree No. 56/2009/ND-CP dated September 20, 2009 of the Prime Minister on criteria for determining small and medium enterprises in Vietnam, Hanoi.

5. Department of Planning and Investment of Bac Ninh (2014), According to the Socio-Economic Situation Report , report of May 2014.

6. General Statistics Office of Vietnam (2013), Numbers and Facts Magazine , No. 475, published in May 2013.

7. State Bank of Vietnam, Law on State Bank 2010 , Hanoi.

8. National Assembly of Vietnam, Law on Credit Institutions 2010 , Hanoi.

9. Vietnam Development and Investment Bank Branch – BIDV Tu Son (2011),

Balance sheet 2011 , Hanoi.

10. Vietnam Development and Investment Bank Branch – BIDV Tu Son (2012),

Balance sheet 2012 , Hanoi.

11. Vietnam Development and Investment Bank Branch – BIDV Tu Son (2013),

Balance sheet 2013 , Hanoi.

12. Vietnam Development and Investment Bank Branch – BIDV Tu Son (2011),

Business performance report 2011 , Hanoi.