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Title Page
Contents
ABSTRACT 9
CHAPTER I. OVWERVIEW OF THE TOPIC 12
1.1. Reason for choosing the topic 12
1.2. The research objective of the topic: 13
1.3. Subject and scope of the research topic 13
1.4. Data and research methods of the topic 13
1.5. The scientific and practical meaning of the topic 15
1.6. Structure of the thesis 15
CHAPTER II. THEORY OF CREDIT RISK AND CREDIT RISK MANAGEMENT OF COMMERCIAL BANKS 16
2.1. Commercial bank. 16
2.1.1. The concept of commercial banks: 16
2.1.2. Credit activities of commercial banks 17
2.2. Credit risk of commercial banks 19
2.2.1. Concept 19
2.2.2. Characteristics of credit risk 20
2.2.3. Expression of credit risk 21
2.2.4. Causes of credit risks 26
2.3. Credit risk management of commercial banks 42
2.3.1. Concept of credit risk management 42
2.3.2. The need to improve the capacity of credit risk management 42
2.3.3. Framework for risk management in credit activities 44
2.3.4. Principles of credit risk management 48
Chapter III. RESEARCH DATA AND METHODOLOGY OF THE CREDIT RISK MANAGEMENT IN AGRIBANK THANH HOA 52
3.1. About Agribank Thanh Hoa 52
3.1.1. The process of formation and development. 52
3.1.2. The organizational structure of the executive board of the branch 53
3.2. Situation of risk management in Agribank Thanh Hoa 54
3.2.1. Regulation on debt classification, provision making and credit risk settlement 54
3.2.2. Regulations on handling credit risk at Agribank Thanh Hoa 60
3.2.3. Risk resolution council at Agribank Thanh Hoa: 62
CHAPTER IV. RESEARCH RESULT AND DISCUSSION 77
4.1. Descriptive analysis 77
4.1.1. Descriptive statistics on credit risk from the influence of the banking business environment: 77
4.1.2. Descriptive analysis of credit risks from subjective causes of customers: 78
4.1.3. Descriptive analysis of credit risks from causes of the banks 79
4.2. Scale analysis 80
4.2.1. Evaluation of scale via Cronbach's Alpha reliability coefficient 80
4.2.2. Analysis of EFA discovery factor 81
4.3. Testing the research model 84
4.3.1. Analysis of Pearson correlation coefficient 84
4.3.2. Regression analysis 86
CHAPTER V. SOME SOLUTIONS TO IMPROVE THE EFFICIENCY OF CREDIT RISK MANAGEMENT IN AGRIBANK THANH HOA 89
5.1. Solutions to mitigate risks caused from Agribank Thanh Hoa 90
5.2. Solutions related to borrowers 93
5.3. Solutions limiting adverse effects from the business environment of the banks. 93
CONCLUSION 94
REFERENCES 96
Appendix 6
APPENDIX 01: QUESTIONNAIRE 97
APPENDIX 02: Result of analysis of Cronbach's Alpha coefficient 102
APPENDIX 03: ANALYSIS OF EFA FACTOR 106
APPENDIX 04: Result of regression analysis 112
Table 3.1: Situation of debt groups in Agribank Thanh Hoa 66
Table 3.2: Situation of bad debts and bad debt rate in Agribank Thanh Hoa 68
Table 3.3: Situation of provision making, risk resettlement, treated debt recovery in Agribank 69
Table 3.4: The situation of bad debts and bad debt ratio at Agribank Thanh Hoa(내용없음) 7
Table 3.5: Status of the provision making, risk settlement, debt collection at Agribank(내용없음) 7
Table 4.1: Descriptive analysis of credit risks from the banking business 78
Table 4.2: Descriptive analysis of credit risks from subjective causes of customers 79
Table 4.3: Descriptive analysis of credit risks from causes of the banks 80
Table 4.4: Analysis result of Pearson on factors impacting on credit risks 85
Figure 2.1. Risk management framework in banking activities under international standards and practices and Vietnamese regulations 45
Figure 3.1. Organizational apparatus of Agribank Thanh Hoa 54
Figure 3.1. Chart of debt classification of Agribank Thanh Hoa 67
Figure 3.2. Chart of bad debts and bad debt rate 68
Figure 3.3. Chart of provision making, risk settlement and settled debt recovery 70
Figure 3.4. Research model of credit risks at Agribank Thanh Hoa 71
초록보기 더보기
Today, international economic integration has become the trend of the current time and taken place in many areas, which is the inevitable expression of the economy. In that context, Vietnamese commercial banks in general, Agribank in particular have many opportunities for business development, but face the enormous challenges, in which, one of the major challenges are the risks in their business operations. These risks include market risk, liquidity risk, operational risk and credit risk.
As banks are fledgling, their asset structure is loans, in other words, the current revenues of the commercial banks are from lending activities. Therefore, the quality of the loan plays a crucial role in the survival and development of commercial banks. Managing risks in lending activities becomes urgent requirements in the volatile financial market situation, especially when there are objective and subjective factors, even force majeure whose reasons for risk of vilending activities are increasingly diverse and complex.
In recent years, because of the economic downturn, the economic indicators of Thanh Hoa has seen slow growth, the money market has had complicated movements; activities of businesses in the area are very difficult, goods are in storage, the credit quality of the commercial banks in the province of Thanh Hoa in general and Agribank in particular has had signs of decline. To ensure safe and effective operations, credit risk management is imperative and paid special attention to.
Before the situation, I choose the topic "Credit Risk Management at Agribank Thanh Hoa" as my thesis.
The research topic focuses on some main contents as follows:
Research the situation of the causes of the credit risk of Agribank Thanh Hoa, the management of credit risks in Thanh Hoa Agribank, then proposing solutions to improve the effectiveness of risk management of the branch.
Scope of research: the topic focuses on studying credit risks, these solutions to improve the effectiveness of risk management. This study was conducted at Agribank Thanh Hoa, secondary data collected at the branch from 2010 to 30 June 2013 and solutions proposed for the next years.
To conduct the study, the author use research methodology including the following steps:
Identifying research objectives; preparing secondary data related to research topic; designing research framework, designing questionnaires, conducting surveys, viiinvestigations; collecting primary information; analyzing and interpreting data; conclusions and proposing solutions.
To determine the impact of the credit risks of Agribank Thanh Hoa, the author uses two research methods of qualitative research method and quantitative research method.
The questionnaire was completed and sent to the leaders in charge of credit theme and direct credit officials at units of Agribank Thanh Hoa. Research information includes 20 research questionnaires to be divided into 3 main criteria:
Credit risk caused from the banking business environment,
Credit risk caused by the borrowers.
Credit risk caused by banks.
After collecting, screening 182 valid questionnaires analyzed using SPSS software version 16.0, the results obtained is a basis to evaluate and propose solutions to improve the effectiveness of risk management at Agribank Thanh Hoa.
The results of the research topic: the topic analyzed and clarified the impact of the causes of the credit risk of Agribank Thanh Hoa, from which the author proposed solutions to improve the efficiency of risk management of the branch.
Conclusion: banking and credit activities always contain risks. Therefore, to have stable, safe and sustainable growth, it is vital to strengthen the credit quality control, help reduce the provision making, thus affecting the efficiency of the whole bank, proposing solutions to limit credit risk in Thanh Hoa Agribank
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