- Build a tool to manage total credit limits by customer and by branch.
- Building an early warning information system for credit risks.
- Strengthen risk management after credit granting.
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Chapter 3 Conclusion
The outstanding issues in chapter 3 are to provide business development orientations in the period 2012-2015 at BIDV Hoa Binh and the goal of managing individual customer relationships in lending to individual customers. Based on the current situation at BIDV Hoa Binh, to propose necessary solutions to overcome and improve the remaining aspects in managing individual customer relationships in lending to individual customers at BIDV Hoa Binh. This requires support from relevant agencies and ministries, so the author also makes recommendations to the managing units such as relevant ministries, the State Bank, the Provincial People's Committee, and BIDV.
CONCLUDE
Vietnam Joint Stock Commercial Bank for Investment and Development. To do this, BIDV must strive to affirm its position in the retail market, especially in the personal credit segment. With continuous efforts, in recent years, BIDV has gradually determined its position in this market and has achieved remarkable successes. To achieve the goal of becoming one of the leading retail banks in Vietnam in the coming time, BIDV must identify the importance and have a strategy for managing individual customer relationships in general and managing individual customer relationships in particular scientifically and reasonably to create the premise for strong and sustainable development.
However, due to the new nature of personal customer credit in Vietnam, like many joint stock commercial banks in Vietnam, personal customer relationship management at BIDV still has many limitations.
Within the framework of this topic, the author has systematized the theoretical system of personal customer relationship management in general and the characteristics of personal customer relationship management in particular, delved into analyzing the current situation of personal customer relationship management at Vietnam Joint Stock Commercial Bank for Investment and Development, assessed the achievements, existing limitations, especially analyzed the causes, limitations and proposed solutions to overcome them. The topic also made a number of recommendations to the State Bank and relevant agencies to create conditions for commercial banks in Vietnam to effectively implement the issue of personal customer relationship management.
In the process of writing the thesis, there will be many contents that have not been mentioned, many issues that have not been analyzed in depth, so I look forward to receiving the attention and comments of teachers, staff working at the bank as well as those who are interested to make the thesis more complete.
Thanks a lot!
Author
Dinh Tien Dung
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Hoa Binh www.Hoabinh.gov.vn Ministry of Planning and Investment www.mpi.gov.vn And other websites...