Giải pháp cơ bản nhằm hoàn thiện Quản trị rủi ro tín dụng tại các Ngân hàng thương mại Việt Nam

to complete the activities of credit risk management of Vietnam commercial banks in the coming time.

Thirdly, the dissertation proposes that it is necessary to be urgent and careful in strategies of consolidation or merger of credit organizations to improve financial capability, managing capability in the trend of international economic integration of the country.

Fourthly, by the method of describing, interpreting, analysing, synthesizing, inducting to conduct the research, evaluating the situation of credit risk management of 36 commercial banks based on the division of three groups , in five consecutive years the whole approach of the contents of credit risk management has created a comprehensive picture of credit risk management of Vietnam commercial banks.

Fifthly, the research content has surveyed, analysed and evaluated the activities of credit risk management from 2009 to 2013, based on the division of three group of commercial banks, and the first two groups owned 18 out of 36 banks with the credit market share over 80% of total loans of commercial banks in Vietnam. These studies showed a positive change of activities of credit risk management at Vietnam commercial banks.

Sixthly, through the content that was analysed and evaluated of the activities of credit risk management at Vietnam commercial banks in the period 2009 to 2013, especially from the years after 2011 with the volatility of Vietnam's economy and management of monetary policy of State Bank of Vietnam have shown the ability to develop and the effectiveness of macroeconomic policies in operating the economy in general and the system of finance-banking in particular.

Seventhly, from the status of activities of credit risk management of the banks, the dissertation has outlined the results based on 4 sides and has indicated 5 restrictive sides in credit risk management at Vietnam commercial banks. Those restrictive sides are: environment of managing is not suitable, dispersed organizational models, credit process make many mistakes, risk measurement

methods have not focused on portfolio risk and internal auditting and contronlling system has not supported effective credit risk management.

Eighthly, the dissertation has analyzed, interpreted the factors affecting the credit quality and credit risk management activities at commercial banks in Vietnam. On that basis, the dissertation has proposed six group of solutions for the commercial banking system in Vietnam about completing the work of credit risk management, including: group of strategic solutions, group of technical solutions, group of solutions for dispersing risks, group of solutions for perfecting polices in accordance with standards and international rules, group of solutions for the application of derivative instruments, group of solutions for general support.