FACTORS INFLUENCING THE QUALITY OF CREDIT IN COMMERCIAL BANKS OF VIETNAM

  • Ai Tran Huu Van Hien University, Ho Chi Minh City
  • My Phan Thi Chieu Van Hien University, Ho Chi Minh City
Keywords: credit quality, credit officers, commercial banks, Vietnam

Abstract

The study aims to determine the factors affecting credit quality at commercial banks and analyze the degree of influence of those factors on credit quality. Usable data were collected from face-to-face interviews with 347 survey subjects — credit officers at the Head Office, credit directors of some bank branches, and credit officers of joint-stock commercial banks. The research results show that seven factors affecting credit quality can be arranged in the following descending order of impact, namely: Credit officer, Credit policy, Management capacity, Banking technology, Risk management, Organizational work, Mobilized capital. Basing on the obtained results, some solutions are proposed to improve the credit quality at commercial banks in Vietnam.

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Author Biographies

Ai Tran Huu, Van Hien University, Ho Chi Minh City

PhD, Lecturer of Faculty of Economics, Van Hien University, Ho Chi Minh City, Vietnam.

Research interests: markets of agricultural products; SMEs functioning under government support; organic food markets; corporate social responsibility.

My Phan Thi Chieu, Van Hien University, Ho Chi Minh City

MBA, Lecturer of Faculty of Economics,Van Hien University, Ho Chí Minh City, Vietnam.

Research interests: markets of agricultural products; organic food markets; ecological economics.

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Abstract views: 198
PDF Downloads: 450
Published
2021-07-31
How to Cite
Huu, A., & Chieu, M. (2021). FACTORS INFLUENCING THE QUALITY OF CREDIT IN COMMERCIAL BANKS OF VIETNAM. The EUrASEANs: Journal on Global Socio-Economic Dynamics, (4(29), 42-54. https://doi.org/10.35678/2539-5645.4(29).2021.42-54

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