Vietnam's Bank Risk Management

33687 Words135 Pages
Dam Dan Luy

EVALUATION OF CREDIT RISK MANAGEMENT POLICIES AND PRACTICES IN A VIETNAMESE JOINTSTOCK COMMERCIAL BANK‟S TRANSACTION OFFICE

Business Economics and Tourism 2010

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FOREWORD
At this moment, the financial sector still attracts a lot of controversy both at the regulator and the banker level. The regulators have been discussing on tighter banking rules. At the same time, the banks have also been strengthening their own health with stricter supervision, one of which is to reinforce credit risk management practices. I have long wanted to conduct a real research in finance, the field in which I am really interested and want to pursue my future career. This is a great opportunity for me to realize that wish. Beyond that it
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Moreover, the State Bank of Vietnam‟s regulations, the bank‟s internal policies and annual reports as well as the transaction office‟s business results also provide significant findings for the research. The analysis of both primary and secondary data shows that this bank has been trying to adopt a close-to-standard credit risk management framework with numerous published documents governing the day-to-day credit activities. Some good points are a complete lending procedure or a standard internal credit rating system – SYMBOLS. However when it comes to actual operation, some aspects should be considered, e.g. the staff training quality or the priority treatment to high-value customers. Especially, the high non-performing loans at the transaction office and the non-complied loss provision must be reviewed and adjusted. These discoveries have led to several constructive improvement suggestions for the case bank. Besides, recommendations for new research directions have also been made. Key words Risk, Banking Risks, Credit Risk, Credit Risk Management

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VASA YRKESHÖGSKOLA Utbildningsprogrammet för Internationell Handel

ABSTRAKT
Författare: Titel: Dam, Dan Luy Utvärdering av kreditriskhanteringspolicy och utövning i en banks transaktionskontor i ett kommersiellt vietnamesiskt aktiebolag År: Språk: Sidantal: Handledare: 2010 engelska 112 + 4 bilagor Nahan-Suomela, Rosmeriany

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