Đề án Thạc sĩ: Quản lý cho vay khách hàng doanh nghiệp tại Ngân hàng thương mại cổ phần Phương Đông – chi nhánh Quảng Ninh

The global economy, despite recovering from the COVID-19 pandemic, continues to face inherent uncertainties, demanding robust financial policies. In this context, effective management of corporate lending becomes paramount for commercial banks, particularly in rapidly developing regions like Quảng Ninh. While expanding credit supports economic growth, it also necessitates stringent control over credit risk to ensure financial stability and operational efficiency. This study addresses the critical need for a systematic analysis of quản lý cho vay khách hàng doanh nghiệp at specific ngân hàng thương mại, aiming to identify current challenges and propose solutions for sustainable development and enhanced profitability. The insights gleaned are vital for improving lending practices and mitigating rủi ro tín dụng in a competitive banking landscape.

Các nhà quản lý và chuyên gia tín dụng tại ngân hàng thương mại, đặc biệt là OCB; các nhà nghiên cứu và giảng viên trong lĩnh vực tài chính, ngân hàng; và sinh viên cao học quan tâm đến quản lý rủi ro và hoạt động tín dụng doanh nghiệp.

This master's thesis systematically investigates the quản lý cho vay khách hàng doanh nghiệp at Ngân hàng Thương mại Cổ phần Phương Đông – Chi nhánh Quảng Ninh. The study establishes a comprehensive theoretical framework of corporate lending activities, considering their operational context, influencing factors, and relevant legal bases. It integrates practical experiences from other ngân hàng thương mại to derive valuable lessons. The core analysis scrutinizes the current state of corporate lending management at OCB Quảng Ninh from 2020 to 2025, covering credit planning, implementation, organizational structure, and monitoring processes. The research methodology involves collecting extensive secondary data, including OCB's annual reports, financial statements, and credit reports, complemented by academic literature and State Bank data. Statistical, descriptive, and comparative analyses are applied to assess trends in outstanding loans, non-performing loan (NPL) ratios, and overall management effectiveness over time. Findings indicate positive growth in outstanding loans and controlled NPLs, yet reveal persistent limitations such as rising overdue loans, challenges in profitability, and gaps in staff capabilities and early warning systems. To address these issues, the thesis proposes a suite of practical solutions: enhancing credit planning, optimizing the organizational structure for lending, strengthening kiểm soát rủi ro tín dụng, fostering human resource development, and accelerating digital transformation. The study concludes with strategic recommendations for OCB's Head Office and the State Bank of Vietnam, focusing on supportive policies, clear responsibility allocation, and capacity building for effective phân tích tín dụng. This work offers a robust scientific foundation for refining corporate credit operations at OCB Quảng Ninh and serves as a significant reference for future banking and financial research.