LIST OF REFERENCES
1. Joint Stock Commercial Bank for Investment and Development of Vietnam - Son Tay branch , Business results report for 2017, 2018, 2019.
2. Joint Stock Commercial Bank for Investment and Development of Vietnam Son Tay Branch, Annual Report 2017, 2018, 2019.
3. Joint Stock Commercial Bank for Investment and Development of Vietnam, Retail credit process in 2019.
4. State Bank of Vietnam (2013) Circular No. 02/2013/TT-NHNN dated January 21, 2013 of the Governor of the State Bank of Vietnam on Classification of assets, provisioning levels, and methods of setting up risk provisions and the use of provisions to handle risks in the operations of credit institutions and foreign bank branches.
5. State Bank of Vietnam (2016), Circular No. 39/2016/TT-NHNN dated December 30, 2016 of the Governor of the State Bank of Vietnam promulgating Regulations on lending activities of credit institutions and foreign bank branches to customers.
6. Associate Professor, Dr. Phan Thi Thu Ha - Commercial Banking Textbook - National Economics University.
7. Ta Thi Hoa (2020), "Developing personal lending at Vietnam Joint Stock Commercial Bank for Investment and Development - Son Tay Branch", Master's thesis in economics, University of Commerce.
8. Le Thi Minh Duc (2019), "Developing personal lending activities at Vietnam Joint Stock Commercial Bank for Industry and Trade - Quang Minh Branch", Master's thesis in economics, University of Commerce.
9. Truong Thi Thanh Mai (2018), “Quality of personal customer loans at Vietnam Joint Stock Commercial Bank for Investment and Development - Dong Do Branch”, Master's thesis in economics, Banking Academy.
10. Nguyen Thi Thanh Hang (2017), “Solutions to develop personal loan services of Vietnam Joint Stock Commercial Bank for Investment and Development - Ha Tay Branch”, Master's thesis in Economics, University of Commerce.
11. Pham Thi Thu Hang (2016), “Developing retail banking services at Vietnam Bank for Agriculture and Rural Development, Hoa Lu District Branch - Ninh Binh Province”, Master's thesis, Banking Academy.
12. Hoang Hong Nhung (2016): “Improving the quality of lending for science and technology at the Joint Stock Commercial Bank for Agriculture and Rural Development - Hanoi branch”, Master's thesis, Hanoi University of Business and Technology.
13. Trinh Thi Thuy (2015), “Developing personal lending activities of BIDV – Thanh Hoa branch”, Master's thesis in Economics, University of Commerce.
14. Website: www.bidv.com.vn
APPENDIX I
CUSTOMER SURVEY FORM ON PERSONAL LOAN PRODUCTS AND SERVICES AT BIDV SON TAY BRANCH
Hello Friend,
This survey is part of a study to evaluate the quality of personal loans at the Vietnam Joint Stock Commercial Bank for Investment and Development, Son Tay Branch. We are committed to using the survey results only for research purposes and to absolutely keep the personal information you provide confidential.
Thank you very much for your participation!
Instructions for answering:
Please indicate your opinion by marking (X) in the box corresponding to your answer.
I. INFORMATION ABOUT THE RESPONDENT
Age:
Under 25 years old □ 25 - 34 years old □ 35 - 49 years old □ 50 - 60 years old □ Over 60 years old Gender:
Male □ Female
Job:
□Housewife/Freelance
□ Working at an organization/enterprise in the private sector
□ Retirement
□ Officials/civil servants/public employees/people working in the armed forces
□ Students
Other (please specify): .......
II. QUESTION CONTENT
Question 1. Have you ever used BIDV Son Tay branch's personal loan products?
□ Never used □ Used
□ In use
Question 2: Have you ever used or are you using any personal loan products of BIDV Son Tay branch? ( You can choose multiple options)
□ Discount mortgage loans □ Auto loans
□ Business production loans □ Housing loans
□ Consumer loans secured by real estate □ Other loans
Question 3. If you have ever used BIDV Son Tay branch's personal loan products, please give your assessment of the following factors:
1. Steps, procedures, loans listed
openly, clearly
□ Good | □Normal | □ Not good | |
2. Stable lending policy | □ Good | □ Normal | □ Not good |
3. Regulations on the composition of lakes simple, easy to understand documents | □ Good | □ Normal | □ Not good |
4. Fast resolution time | □ Good | □ Normal | □ Not good |
Maybe you are interested!
-
Some Factors Affecting the Quality of Short-Term Loan Services for Business Customers of Commercial Banks -
Evaluation of the quality of savings deposit services for individual customers at Dong A Commercial Joint Stock Bank - Hue Branch - 14 -
Current Status of Loan Quality for Small and Medium Enterprises at Joint Stock Commercial Bank for Foreign Trade of Vietnam, Hanoi Branch (Vietcombank Hanoi) -
Quality of digital banking services for individual customers at Joint Stock Commercial Bank for Foreign Trade of Vietnam - 1 -
General Assessment of Loan Quality for Small and Medium Enterprises at Vietnam Joint Stock Commercial Bank for Industry and Trade - Bac Ninh Branch
Question 4. Is your actual purpose of using the capital suitable for the product you borrowed?
□ Suitable □ Not suitable
Question 5. In your opinion, is the loan term for the product packages appropriate?
□ Suitable □ Not suitable
Question 6. Did you encounter any obstacles or difficulties in the process of borrowing personal loans?
□ No problems □ High loan interest rates
□ Proof of income □ Slow disbursement time
□ Other opinions
Question 7. Are you satisfied with the service attitude of BIDV Son Tay Branch staff?
□Very satisfied □ Unsatisfied
□ Acceptable □ Other opinions
Question 8. If you give a score from 1 to 10 to evaluate the personal loan services and products at BIDV Son Tay, how many points would you rate?
□ Below 5 points □ Above 5 points
□ Score 5 points
Question 9: If in the near future you need to borrow money from a bank, what is your purpose for borrowing money? {You can choose multiple options)
□ Pawn, discount □ Buy car
□ Production and business □ Buying/repairing houses
□ Other
Question 10: To improve the quality of personal loan products and services in the coming time, in your opinion, BIDV Son Tay needs to pay attention to which of the following contents? (You can choose multiple options)
□ Expand and diversify product types for vav.
□ Improve facilities and equipment to serve customers.
□ Continue to simplify loan process procedures.
□Enhancing information technology in processing loan procedures
□ Shorten loan processing time.
□ Reduce loan interest rates.
□ Improve communication attitude of bank staff.
□ Improve the work-solving capacity of bank staff.
□ Other (please specify): .............................................................................. .....
THANK YOU FOR YOUR COOPERATION!