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MINISTRY OF EDUCATION AND TRAINING UNIVERSITY OF ECONOMIC HO CHI MINH CITY Luong Minh Khoa FINISHING THE CUSTOMER CREDIT RATE SYSTEM AT LIEN VIET POST COMMERCIAL BANK Specialization: FINANCIAL ECONOMY – BANKING Code : 60.31.12 MASTER THESIS OF ECONOMY SCIENTIFIC GUIDE: Assoc. Dr. PHAM VAN NANG HO ...
In the current Vietnamese commercial banking system, Lien Viet Post Commercial Joint Stock Bank was established in 2008, the first bank established after 15 years of discontinuing establishment license. Therefore, LienVietPostBank’s operating time is quite short compared to the common “age” ...
In a credit relationship, there are two parties involved, the lender and the borrower. But the borrower uses the borrowed money in a specific time and space, subject to the control of certain specific conditions that we call the business environment, and this is the third object present in the ...
Fitch is rated as one of the leading credit rating agencies in the world, with headquarters in New York and London. Fitch is the smallest credit rating agency among the three credit rating agencies. The company holds only a small market share in credit rating activities compared to Standard & ...
Similar to Vietcombank, ACB also divides the size of enterprises into large, medium, small and very small scale groups, of which very small scale is evaluated on a separate scale with the remaining groups. The system of financial indicators in the credit society of ACB is evaluated based on the ...
2.4.1 Scoring model of corporate credit society at LienVietPostBank’s branch LienVietPostBank’s corporate credit system is basically based on the legal guidance framework of the State Bank such as Decision No. 57/2002/QD-NHNN dated January 24, 2002 on pilot implementation of the enterprise ...
According to the industry classification criteria of LienVietPostBank, Joint Stock Company A is scored on financial indicators according to the group of medium-sized enterprises, belonging to the group of light industry. The individual analysis of each financial indicator of Joint Stock Company A ...
Through this model, LienVietPostBank conducts credit scoring for each customer to serve as the basis for deciding credit limit. This is one of the tools to help LienVietPostBank improve the credit quality of the bank, help quantify the risks when handling loan applications, and limit risks in the ...
3.2.2 Proposal to amend and supplement LienVietPostBank’s corporate credit rating scoring model The sequence of steps to score the corporate credit score according to the proposed amendment and supplement model of the topic includes: Step 1: Classify enterprises according to the criteria of ...
The maximum total score multiplied by the weight of the group of non-financial information indicators that cause financial difficulties for enterprises is one hundred points. Step 5: Determine the final total score to rank the business by multiplying the scores of the above steps (the score has ...
Training can be carried out periodically at the training center of the Head Office for new recruits and professional staff, or the branch trains itself internally if conditions permit. Practical experience shows that no analytical methods and tools can completely replace the skills and experience ...
Table II.2: Scoring Management qualifications and internal environment of B . JSC Targets Evaluate Initial score Weight Weighted Score first Judicial history of the head of the business/business owner Good criminal record, no criminal record, no criminal record 100 2% 2 2 Education level of the ...
APPENDIX III Table III.2: Criteria for evaluating financial indicators of commercial service enterprises according to Decision 57/2002/QD-NHNN Targets Large scale Medium size Small scale A REMOVE OLD EASY A REMOVE OLD EASY A REMOVE OLD EASY Liquidity indicator 1. ...
APPENDIX IV Table IV.3: Standards for evaluating financial indicators of enterprises in the Heavy Industry group Targets Large scale Medium size Small scale 100 80 60 40 20 100 80 60 40 20 100 80 60 40 20 ≥ ≥ ≥ ≥ ≥ ≥ ≥ ≥ ≥ ≥ ≥ ≥ Liquidity indicator group ...
Table V.4: Scoring of non-financial information indicators of JSC A by the modified model proposed by the topic Targets Evaluate Point Initial Weight Weighted Score first Management qualifications and internal environment 20% 1.1 Judicial history of the head of the business/business owner ...
