Credit development

Ebook "Proceedings of the fifth international Conference on finance and accounting for the promotion of sustainable development in the private sector (FASPS5)" is a collection of articles about: asymmetric impact of public debt on credit supply to private sector in Vietnam - a NARDL model approach; impact of the pandemic shock on the Vietnamese stock market and policy implications; assessment of effeciency of agribank’s support policies for private sector operations in field of agriculture, forestry and fisheries; financial resources for cooperative development in Vietnam; corporate social ...

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The primary objective of this study is to examine the uneven effects of state debt on loan provision for the private sector in Vietnam. This study employs the NARDL model to assess the extent to which public debt affects the provision of credit to the private sector. Additionally, it incorporates control variables such as private sector capital demand, the expansion of the broad money supply, and the economic growth rate. The data were collected at a quarterly frequency over the period spanning from the first quarter of 2000 to the first quarter of 2021.

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This article aims to analyze the effectiveness of the support policies of the Bank for Agriculture and Rural Development of Vietnam (Agribank) to support the private sector operating in the fields of agriculture, forestry and fisheries. By using the comparative method, the author has used two factors affecting the effectiveness of the above support policies, namely total outstanding loans and overdue loans.

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This article reviews the inclusion of climate-related financial risks during credit risk management process conducted by international financial institutions. The article, then, provide some implications for the credit institutions in Vietnam to integrate the climate-related financial risks in credit management process in the future. These solutions involve the development of the analytical framework as well as preparation of data, expertise and other related resources to integrate climate-related financial risk into credit risk modelling.

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This paper examines the role of bank credit to the private sector and private-sector investment in the transition to a low-carbon economy in Vietnam regarding other macroeconomic factors, such as GDP growth rate and electricity consumption from renewable energy. From 1986 to 2021, chronological classification was used. Through the ARDL regression model, the experimental results show that in the short term, credit to the private sector and private-sector investment initially help the economic transition to be effective.

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In this study, we delve into the correlation between the issuance of Green, Social, and Sustainability (GSS) bonds and the economic growth trajectories of countries within the Latin American and Caribbean (LAC) region. By analyzing variables such as the “Green Bond Issuance to Total Bond Issuance” ratio and the “Planned Sovereign Green Issuance”, coupled with several pertinent economic and governance indicators, insights were derived using multiple linear regression techniques.

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The implementation of solutions by the banking sector, through green credit lines, to promote green production in enterprises is highly necessary. Based on practical experiences, this article examines the current status of the Agricultural and Rural Development Bank of Vietnam (Agribank) in promoting green production within green credit and other related fields. It aims to evaluate and provide recommendations for promoting green production within the bank.

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The article emphasizes the importance of comprehensive finance and access to capital for MSMEs in Vietnam. While comprehensive finance can create favorable conditions, it does not always guarantee easy access to capital for these businesses. Systemic barriers, business credit factors, financial institution priorities, and local conditions can create disparities in capital access for MSMEs. The article provides recommendations for government and relevant agencies to improve this situation and create a more favorable environment for MSMEs.

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Credit guarantee was born with the goal of helping businesses access credit more effectively by providing debt repayment guarantees on behalf of businesses. This model has now developed in many countries around the world with positive impacts recorded, especially in Japan and Korea. The article focuses on analyzing the current situation of credit guarantee activities in Vietnam, thereby finding the causes, combining with international experience to propose policy recommendations.

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LPBank a relatively young joint-stock commercial bank, has identified its direction as being a market-responsive leader. To effectively compete with domestic and international counterparts, LPBank requires sustainable business solutions to increase income.

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This article analyzes the impact of macroeconomic factors on private sector investment in Vietnam during the period from 1996 to 2022 by applying an autoregressive distributed lagged (ARDL) model. Findings revealed that real GDP and credit to the private sector have a positive effect on the private sector in Vietnam. This demonstrates that higher GDP growth boosts confidence among private enterprises that they can afford to pay off loans and subsequently increase their investment demand.

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This book addresses one of the primary concerns in accounting today—how to develop a comprehensive system of accounting and operational controls. This concern has been exacerbated by the provisions of the Sarbanes-Oxley Act, which requires public companies to report an assessment of their internal control structures and which has led to comprehensive control examinations by all types of companies.

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Besides bank credit, microcredit is an important capital supply channel for the economy. In Vietnam, the poor who cannot access credit capital to develop themselves and create income. Microcredit is mainly unsecured loans, so the risks are quite high, of which the biggest risk is the possibility of losing capital. Meanwhile, curently, the application of Fintech in the field of microcredit is almost negligible, making it impossible for people who need capital, but lenders are afraid of the risk of losing capital.

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In article "Fintech promotes green credit at Vietnam bank for agriculture and rural development" the author studies the current situation of Fintech promoting green credit at Agribank. From there, evaluate and make some suggestions for Fintech applications to help promote green credit development at Agribank.

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The Computer has occupied a comprehensive coverage, especially in education scopes, including in learning-teaching processes, testing, and evaluating. This research aimed to develop computerized adaptive testing (CAT) to measure physics higher-order thinking skills (HOTS), namely PhysTHOTS-CAT.

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Based on these problem, the investigation contended that the housing supply prediction model will be accomplish using experimental data from economic data with supported from macroeconomic factors such as world borrowing cost, outflows of foreign capital, subprime crisis, population characteristics, migration, urbanization, stamp duty exemption, moratorium, RPGT, and also microeconomic factors such as location and accessibility, basic and public facility, financial loan, location and placement, credit facility, construction cost, development approval, price and rental and housing stock.

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This study was to develop and implement the four-tier multiplechoice instrument with Partial-Credit Model to evaluate students’ learning progress in explaining the conceptual change of state of matter. This research applied a development research referring to the test development model by Wilson.

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This paper investigates the impact of macroprudential policies on Vietnamese public listed companies’ financial leverage over the period of 2007 to 2021. In 2011, Vietnamese Central Bank introduce credit restrictions as a monetary policy instrument to contain net credit creation by the financial sector and to safeguard the financial system as a whole. In this paper, we focus on the impact of such restrictions on the optimal leverage decision of Vietnamese non-financial firms.

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In this article, the author systematically generalizes in order to clarify the theoretical basis of credit quality, to recognize the current situation of credit quality at Vietnamese commercial banks in the period of 2018 - 2022.

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In this paper, the author studies the impact of capital adequacy ratio on credit performance of Vietnamese commercial banks for both growth and credit risk aspects. Evaluate in detail and compare the difference of this relationship between commercial banks with different characteristics. Proposing a number of recommendations to help bank administrators and regulators be more proactive when assessing the impact of capital adequacy ratio on the individual characteristics of each bank.

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