The State Bank needs to improve the operational efficiency of the Credit Information Center (CIC), the establishment of which has contributed significantly to improving the overall credit quality of the entire banking system. The results of collecting, processing and providing credit information have increased significantly; credit information is truly an indispensable source for the management and operation of the State Bank, as well as in the credit business activities of credit institutions. However, the provision of data sometimes does not ensure timeliness and accuracy. This affects the improvement of credit quality of commercial banks. The State Bank needs to require commercial banks to accurately report on the status of corporate debts, including unstructured debts and structured debts. Ensure that commercial banks, when using CIC, can accurately assess the status of debts of enterprises that have credit relationships with many banks.
Strengthening inspection and examination work is an extremely necessary issue in the process of the economy changing as in the current period. This activity is accurate, fast and effective, not only increasing the efficiency of bank operations but also promoting the competitiveness of the Vietnamese banking system in the coming time.
CONCLUDE
Maybe you are interested!
-
Improving the quality of customer care services at Saigon Thuong Tin Commercial Joint Stock Bank - Hue Branch - 11 -
Assessing customer satisfaction with the quality of medical examination and treatment at Ba Ria General Hospital - 11 -
The impact of online banking service quality of Vietnam Development Investment Bank on customer satisfaction in Ho Chi Minh City market - 14 -
Criteria for Evaluating Corporate Customer Lending Activities -
Factors affecting customer satisfaction with the quality of international money transfer services at Dong A Commercial Joint Stock Bank - 1
Lending activities for corporate customers of Sacombank Bac Ninh branch play a very important role in banking activities in general. Lending activities for corporate customers have brought about many positive effects, bringing great economic benefits to the bank. The scale of lending has grown positively, however, this growth is only in breadth and has not developed strongly in depth, especially when the bank has lost some traditional customers. However, the branch has gradually paid attention to this issue and has implemented many solutions to improve the quality of lending to corporate customers in the area. However, the implementation of solutions still faces many difficulties, requiring the efforts of the entire branch to overcome in the next phase.
The thesis topic has been researched and completed the research objectives.
after:
Overview of the theoretical basis for lending quality to corporate customers
of commercial banks, thereby providing a system of indicators reflecting the lending quality of lending activities to corporate customers. The theoretical basis has clarified the concept, role, function, characteristics, and factors affecting the improvement of the quality of lending activities to corporate customers at commercial banks.
Analyzed the current status of lending quality to corporate customers at Saigon Thuong Tin Commercial Joint Stock Bank, Bac Ninh branch. In particular, focusing on analyzing the main contents such as: capital mobilization situation, business results, lending activities, lending turnover to corporate customers by type, by term, credit capital turnover and capital usage efficiency. At the same time, pointed out some limitations and weaknesses in the loan application verification process, limitations in the quality of human resources, and analyzed the causes leading to limitations as a basis for proposing solutions to improve the quality of lending activities to corporate customers of the branch.
From the theoretical and practical bases mentioned above, the author of the thesis has proposed (6 groups of solutions to improve the quality of lending to corporate customers of Saigon Thuong Tin Commercial Joint Stock Bank, Bac Ninh branch. Hopefully, the solutions proposed by the author above will become useful solutions for lending activities to corporate customers of Sacombank, Bac Ninh branch.
LIST OF REFERENCES
1. Truong Quoc Cuong (2016), Operational risk management of commercial banks , Journal of Financial and Monetary Markets.
2. Tran Dinh Dinh (2015), Risk management in banking activities according to international standards, practices and Vietnamese regulations , Justice Publishing House, Hanoi.
3. Nguyen Huu Duong (2005), Promoting credit information activities to improve the quality of risk management at Vietnamese commercial banks , Banking magazine, (Special issue 2005).
4. Ngo Thi Thuy Giang (2018), Credit risk management in lending to corporate customers at Vietnam Prosperity Joint Stock Commercial Bank - Quang Tri Branch , Master's thesis.
5. Phan Thi Thu Ha (2004), Commercial Banking Textbook , Statistical Publishing House.
6. Nguyen Thi Thanh Huong (2005), Solutions to improve financial risk management capacity of Vietnamese commercial banks , Banking Magazine.
7. Phan Thi Thu Ha, Nguyen Thi Thu Thao (2002), Commercial banking management and operations , Statistical Publishing House, Hanoi.
8. Dao Van Khoa (2013), Improving the quality of lending to small and medium enterprises at Vietnam Joint Stock Commercial Bank for Industry and Trade - Cua Lo branch , Master's thesis.
9. Associate Professor, Dr. Nguyen Thi Phuong Lien (editor-in-chief), Commercial Bank Operations Management , Statistical Publishing House, Hanoi.
10. Nguyen Phuong Linh (2015), Credit quality at Vietnam Bank for Agriculture and Rural Development - Cau Giay Branch , Master's thesis.
11. Ngo Thi Thu Mai (2014), Improving the quality of lending to small and medium enterprises at the Military Commercial Joint Stock Bank - Thai Nguyen Branch , Master's thesis
12. Sacombank Bac Ninh branch, Business results report of Sacombank Bac Ninh branch in 2018 .
13. Sacombank Bac Ninh branch, Business results report of Sacombank Bac Ninh branch in 2019 .
14. Sacombank Bac Ninh branch, Business results report of Sacombank Bac Ninh branch in 2020 .
15. State Bank, Circular 02/2013/TT – NHNN
16. Nguyen Van Tuan (2015), Solutions to improve credit quality at Vietnam Bank for Agriculture and Rural Development , PhD thesis.
17. Nguyen Duc Tu (2012), Credit risk management at Vietnam Joint Stock Commercial Bank for Industry and Trade , PhD thesis
18. Nguyen Thuy Trang (2017), Developing lending to small and medium enterprises at Joint Stock Commercial Bank for Foreign Trade of Vietnam - Quang Ninh Branch , Master's thesis.
19. Vuong Thanh Van (2012), Improving credit quality at Vietnam Joint Stock Commercial Bank for Industry and Trade - Lang Hoa Lac Branch , Master's thesis
20. Mishkin FS (1999), Money, Banking and Financial Markets , Science and Technology Publishing House, Hanoi. (translated by Nguyen Van Ngoc).
21. Nguyen Phuong Linh (2015): “Credit quality at Vietnam Bank for Agriculture and Rural Development – Cau Giay Branch”
22. Nguyen Thuy Trang (2017): “Developing lending to small and medium enterprises at Joint Stock Commercial Bank for Foreign Trade of Vietnam – Quang Ninh Branch”
23. Ngo Thi Thuy Giang (2018): “Credit risk management in lending to corporate customers at Vietnam Prosperity Joint Stock Commercial Bank - Quang Tri Branch”