Creating credit is the main income-generating activity for banks. However, granting credit always comes with risks. Credit risk is the risk of losing part or all of a debt due to failure to pay on time or default. Credit risk is considered the most important risk affecting banking performance. Therefore, this study measured the effect of credit risk on the financial performance of Vietnamese commercial banks.

In Vietnam, digital transformation has been considered as the leading strategy of commercial banks, especially in terms of credit risks. Therefore, they must identify how their digital transformation affects their credit risks to maintain effective operation and steady growth in a complex and changing market environment.

The thesis does an overall research on the theory and practice of artificial intelligence in credit risk management, thereby proposing solutions for application of artificial intelligence in risk management at Vietnam Bank for Agriculture and Rural Development.

The research objective of the topic is to analyze the current situation of using the credit derivatives tool, explore the conditions, and propose solutions and recommendations to improve the conditions for using the credit derivatives tool in credit risk management at Vietnamese commercial banks.

Overall objectives: The overall goal is to study the theory and practice of the credit risk early warning system at Vietnamese commercial banks to provide solutions and recommendations to complete the credit risk early warning system at commercial banks in Vietnam.

The thesis on credit risk management at Vietnam Prosperity Joint Stock Commercial Bank comprises of the reality of credit risks, management and several factors affecting such process.

The thesis on credit risk management at Vietnam Prosperity Joint Stock Commercial Bank comprises of the reality of credit risks, management and several factors affecting such process.

The thesis aims to studying the credit risk management on loan portfolios in Vietnamese commercial banks, then proposes solutions and recommendations for improvement.

The thesis focuses on researching the risk management capability at commercial banks; the thesis analyzes the current situation of risk management capacity at Techcombank for the period of 2014 - 2019. The solution will be implemented according to the roadmap to 2030.

General objective: Studying the impact of the multimarket contact on the competition, credit risk and operating performance of Vietnamese commercial banks. Measure the impact of multimarket contact on the credit risk of Vietnamese commercial banks. Propose solutions and recommendations for bank administrators and policymakers on improving the operating performance of commercial banks, heightening stability for the operation of banks in the context of the contemporary increase in competition and risks of Vietnamese commercial banks.

This study investigates solutions to the hope of completing one’s professional theory, approaching and studying the credit risk in reality and first-hand suggesting a number of solutions with an aim to preventing and mitigating the risks at Joint Stock Commercial Bank for Investment and Development of Vietnam.

The study has a general purpose of assessing the impact of equity, credit risk on the financial stability of Vietnamese commercial banks, based on the results of research to propose solutions, A proposal to increase the financial stability of Vietnamese commercial banks.

Systematize and contribute to further clarify the theoretical basis of credit risk management for enterprises in business activities of commercial banks Vietnam.