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ABSTRACT
1. Reason to choose subject:
Currently for the commercial banks, credit operations are basic operations,
the main income for the bank. Commercial Bank shares for Foreign Trade of
Vietnam (Vietcombank) as well as other commercial banks are facing the
challenges of competition and international integration, increasingly demanding
more rigorous standards for safety, healthy financial and operating capacity and risk
management. Thus the building and improving the system of risk prevention
effective in the bank for operations in general and for the credit operations in
particular is an urgent requirement and important, to ensure effective economic
processes and development activities of a commercial bank.
Banking activities always contain risks, particularly frequently are credit
risk. In order to have a stable growth, it is necessary to strengthen control over
credit quality and help reduce the loan loss provisions, which affect the business
performance of the entire bank. Therefore, the proposed measures to limit credit
risk is top concern at Vietcombank.
Stemming from this situation, the thesis tries to identify and codify the
current credit risk type Vietcombank - Ho Chi Minh Brand; analyze and clarify the
advantages and activities exist in credit risk management; apply the theoretical basis
and experience in international risk management. Since then, the proposed measures
will improve and enhance the operational efficiency of credit risk management in
particular and business in general at Vietcombank.
Vietcombank whether operating under the commercial bank model but the
state capital remained dominant proportion. Thus, loans of state enterprises still
high proportion. Most state enterprises inefficient business. The expansion of
lending structure to limited company joint-stock companies, enterprises, foreign
investment potential risk related to business management capacity, business ethics.
On the other hand, in the development strategy of Vietcombank HCM upcoming
