Vietnams Bank Risk Management - 33687 Words

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 1 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†¦show more content†¦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 3 VASA YRKESHÃâ€"GSKOLA Utbildningsprogrammet fà ¶r Internationell Handel ABSTRAKT Fà ¶rfattare: Titel: Dam, Dan Luy Utvà ¤rdering av kreditriskhanteringspolicy och utà ¶vning i en banks transaktionskontor i ett kommersiellt vietnamesiskt aktiebolag Ã…r: Sprà ¥k: Sidantal: Handledare: 2010 engelska 112 + 4 bilagor Nahan-Suomela, Rosmeriany Oro à ¶ver kreditShow MoreRelatedVietnam’s Textile Industry7086 Words   |  29 PagesThis paper seeks to look at Vietnam’s economy, financial sector, and political sector in respect to the textile industry. In an attempt to evaluate the feasibility of entering a foreign market, we focus our paper on a mid-sized company called Augusta Textile Company. This paper seeks to evaluate Vietnam’s potential for investment, particularly in the textile industry. While the company seeks to increase revenues and keep costs of production low, the company must look to expand to growing marketsRead MoreVietnam Gas Industry12859 Words   |  52 PagesTHE BROOKINGS INSTITUTION CENTER FOR NORTHEAST ASIAN POLICY STUDIES POLICY SUGGESTIONS FOR THE INITIAL DEVELOPMENT OF VIETNAM’S GAS INDUSTRY Hai Tien Le CNAPS Visiting Fellow, Vietnam, Spring 2010 Director, Research Centre for Petroleum Economics and Management Vietnam Petroleum Institute September 2012 THE BROOKINGS INSTITUTION 1775 Massachusetts Avenue, NW Washington D.C. 20036-2188 Tel: (202)797-6000 Fax: (202)797-2485 http://www.brookings.edu Abbreviations BCM BTU Read MoreThe Structure Of The Banking Industry1608 Words   |  7 Pagesformerly monobank system dominated by the State Bank of Vietnam (SBV) it has now expanded to several players and has recently enabled MFIs to be part of the formal financial system. However, despite these achievements, there are still challenges that linger and financial inclusion remains an issue. This part explores the current structure of the banking industry and touches on the status of financial inclusion in Vietnam. 4.3.1. Banking Industry Vietnam’s banking sector is fairly recent being foundedRead MoreVietnam Country Environmental Analysis2999 Words   |  12 PagesPaper Background Vietnam’s economy doubled in size during the last decade, while its poverty rate was halved. Exports are growing by 20 percent per year, and Foreign Direct Investment (FDI) inflows by 10 percent per year. Future rapid economic growth (an expected doubling of GDP in the next 10 years) and associated industrialization and urbanization, and Government’s huge investments in infrastructure pose significant pressures on the environmental sustainability of Vietnam’s development. EnvironmentRead MoreRisk Management Activity1392 Words   |  6 Pages2.1.8 Risk management Risk management is a management activity, purposing to facilitate a consistent imple-mentation of risks and operational policies (Bessis J., 1999). In the banking sector, cred-it risk is one of the concerns of risk management. 2.1.9 Asset Management In the economic downturn, there are plenty of elements become troubles. Financial market is the typical factor. The prospect of economic recovery also depends on per-formance of financial market. Hence, it is appropriate to conveyRead MoreAnalyzing Fdi Vietnam : Manufacturing Industry Essay2213 Words   |  9 Pagesthe majority of New Zealand’s importation from China are labor-intensive products, including textile products. Meanwhile, Vietnam has now become an important textile products supplier to the global market (Nadvi et al., 2004). More importantly, Vietnam’s labor is cheaper than that in China (Barboza, 2006) and Chinese labor will became more expensive than other developing countries (Li, Li, Wu, Xiong, 2012). Therefore, as for NZ’s apparel companies, Vietnam is more of a choice than China. HoweverRead MoreInflation and Its Impacts on Vietnam2177 Words   |  9 Pagesbuy the same T-shirt. That means over that time, if your income cannot follow the price, you may be at risk of financial problem. Currently, inflation is also a big trouble in Vietnam as well as Asia countries. Vietnam’s government estimated that the inflation rate in April rose to 21.42 percent, the sixth consecutive month of significantly increasing and among the highest rate in Asia (Vietnam’s inflation hits 21.4 percent in April, Thanh Nien Daily News, April 26, 2008). Such hazardous situationRead MoreInflation in Vietnam3207 Words   |  13 Pagesï » ¿ DEPARTMENT OF MANAGEMENT AND MARKETING Macroeconomic Assignment Topic: Inflation in the economy and selected measures against inflation TABLE OF CONTENT 1. OVERVIEW OF ECONOMIC PERFORMANCE IN VIETNAM Vietnam joined the World Trade Organization in January 2007 and transformed from a heavily indebted country to a low middle income one in 2010. After opening up the country’s economy to foreign investors, its GDP grew by 7.3% on average fromRead MoreHistory of State Bank in Vietnam3607 Words   |  15 PagesHISTORY OF STATE BANK OF VIETNAM   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The development of   the Vietnam banking system has closely linked with the national cause of revolution and construction. Before the August Revolution in 1945, Vietnam was a feudal-colonial country under the French colonialists’ rule. The banking and credit system was founded and protected by the French colonialists through the Indo China bank. Its functioned as both the central bank of the whole Indochinese region (Vietnam, Laos and Cambodia) and a commercialRead MoreBudget Deficit in Vietnam from 2008 - 20125259 Words   |  22 Pagesbudget deficit 10 IV.2 Healthy and active budget deficit to ensure the sustainability of the budget 11 IV.3 Central Bank and the Ministry of Finance should be coordinated in determining priority 11 IV.4 Establish a mechanism for the provision of information, transparency and policy expectations and accountability of agency policy 11 IV.5 Reformed tax system 12 IV.6 Better management in SOE activities 12 FIGURES TABLES 13 REFERENCE 15 THE BUDGET DEFICIT IN VIETNAM FOR THE LATEST 5

Interpersonal Theory Of Suicide And Suicide - 1275 Words

Evaluate some of the factors that might contribute to a person engaging in suicidal behaviour. Suicide is the wilful taking of one’s own life. Suicide is prevalent and affects people of all ages and cultures. In the UK male population suicide is now the biggest killer of middle-aged males overtaking diseases such as cancer and heart disease. A major predictor of engaging in suicidal behaviour is depression. Furthermore, it was found that 15% of clinically depressed patients would take their own lives. (HOLT). Those are only statistics but they can in no way describe the misery in which people find themselves. There are many differing factors that contribute to a person engaging in suicidal behaviour such as loss, history of mental disorder and environmental factors. There are also many theories of suicide that integrate these established risk factors such as the interpersonal theory of suicide. The interpersonal theory of suicide was developed by psychologist Thomas Joiner. This theory attempts to understand the reasoning behind in suicidal behaviour. According to the theory, â€Å"the simultaneous presence of thwarted belongingness and perceived burdensomeness produce the desire for suicide.† (Thomas E. Joiner Jr. [et al.]2009). Belongingness is believed to be an essential need, for an individual s psychological health and welfare. For example, social isolation is regularly reported by those who die by suicide previous to death. An individual may also feel that they areShow MoreRelatedSuicide And Shneidman s Theory Of Suicide782 Words   |  4 PagesThere are several theories that attempt to understand suicide, such as Durkheim’s Sociological Theory of Suicide and Shneidman’s Theory of Suicide as Psychache. However, one of the newest and most well known theories is Joiner’s Interpersonal Theory of Suicide. The goal of this theory is to under stand suicide at an interpersonal level. More specifically, it evaluates why individuals engage in suicidal behavior and identifies individuals who are at risk for engaging in such behaviors. There are threeRead MoreSuicide And Its Impact On The United States1556 Words   |  7 PagesSuicide has historically been and continues to be a significant issue in the United States, for civilians as well as active duty military service members and veterans. While statistics surrounding suicide appear to be just numbers on a page, I personally implore the reader of the following paper to never lose sight of the fact that those numbers represent real people. Each one of those people, be they civilian or military, represent a loss of a father or a mother, a brother or a sister, a son orRead MoreEssay about Aboriginal People of Canada1281 Words   |  6 Pagesless than 3% of the total population in BC. Yet, they account for more than 9% of all suicides in BC (Chandler). The numbers of suici des amongst aboriginal youth are even more alarming – nearly one-fourth of all youth suicides in BC are committed by aboriginals and more than half of all aboriginal suicides are committed by youth (Chandler). The fact that indigenous communities in Canada have the highest rate of suicide of any culturally identifiable group in the world implies that these alarming statisticsRead MoreFactors That May Be Responsible For Aboriginal Suicide1281 Words   |  6 Pagesless than 3% of the total population in BC. Yet, they account for more than 9% of all suicides in BC (Chandler). The numbers of suicides amongst aboriginal youth are even more alarming – nearly one-fourth of all youth suicides in BC are committed by aboriginals and more than half of all aboriginal suicides are committed by youth (Chandler). The fact that indigenous communities in Canada have the highest rate of suicide of any culturally identifiable group in the world implies that these alarming statisticsRead MorePsychology1709 Words   |  7 PagesBehavior Suicide is a major, preventable current public health issue in the United States. In 2007, it was the tenth leading cause of death in our country, with the number of suicides reaching 34,598. Additionally, it is widely agreed upon that approximately eleven attempted suicides occur for every one successful suicide attempt (National Institute of Mental Health). There is a negative stigma surrounding suicidal and self-harming behaviors that discourages people from talking about suicide or seekingRead MoreThe Consequences of Adolescent Suicide1241 Words   |  5 PagesThe act of suicide is an event that has been woven in to the fabric of our culture since our country’s inception. In order to conceptualize and define the problem of suicide, it is important to examine the various views of taking one’s own life. Suicide, and its tragic aftermath, has been the source of award winning movies such as Ordinary People and Leaving Las Vegas, along with the public debate, regardin g assisted euthanasia, spotlighted in the case of Dr. Jack Kevorkian. Reports of skyrocketingRead MoreInvestigating The Conflicts Within Organizations And Will Be Concentrate On Its Specific Source Of Conflicts1396 Words   |  6 Pageswill also focus on the recent main issues within electronic manufacturer which the phenomenon of suicide and over work time, with regard of the economical environment. In addition, political environment and interpersonal relationship which will influencing conflicts will be considered in this paper. Such source of conflicts appear increasingly prevalent within the organisation such as bullying, interpersonal conflicts, job authority. Although some of the organisational conflicts can be resolved to someRead MoreHypothesis Teen Suicide875 Words   |  4 Pages2004, suicide amongst children, especially teens has risen drastically. Contemplating suicide at any age is horrible. When a teenage, who has the ability to make informed decisions and has all t he potential in the world, considers committing suicide, this is a tragedy. The tragedy suicide is the third leading cause of death among young people ages 15-24. Suicide is the second leading cause of death among college students. This paper attempts to list theories and hypothesis testing the theories of suspectingRead MoreCase Study : Depression And Suicide Ideations With A Suicide Plan1106 Words   |  5 PagesCase Study: Depression and Suicide Ideations with a Suicide Plan This case study is on client, Harold, referred to Greenbrier Behavioral Health Center, an intensive outpatient program (IOP), from Greenbrier Behavioral Health Hospital. The client is a 43 year old, retired, white male, living in Slidell, Louisiana. His highest level of education is a GED. He is married with two children ages 8 and 12. He recently retired after more than 20 years from the police force. Harold is overweight, wearingRead MoreVeteran Suicide Perspectives And Assumptions . There Is1456 Words   |  6 PagesVeteran Suicide Perspectives and Assumptions There is an epidemic running rampant throughout the ranks of veterans and current active duty military within the United States. Even if we try to turn a blind eye or ignore the problem, the fact is that roughly an average of twenty-two veterans commit suicide each and every day across America. Some would say this is due in part to the service members experiencing Posttraumatic Stress Disorder (PTSD), others would say this is due to service members

Puritan Life Free Essays

The expansion of literacy Influenced Puritans to become more involved in society, as most began to read the bible. As Christians, colonists of New England In the 17th century, felt compelled to be devoted to god In all possible manners; thus resulting In the formation of a tight knit community that was centered on the church. This united sense within the community spread, according to John Winthrop, It was the will of God; God had Intended for man to unite as one to better serve him, In order for them not to lose God’s support Puritans must come together In all circumstances, be It miracle or tragedy. We will write a custom essay sample on Puritan Life or any similar topic only for you Order Now Puritans felt God had a Lana for their lives, that he had led them to the New world with great Intentions for them: feeling God had led them to the place they came to call home, Puritans sought out to discover the purpose God had brought them here. In doing so they developed a theory that God had determined they be bestowed with literacy, leaving illiterate ministries in the past (as noted in A Statement about Education in New England. 1643). The expansion of literacy influenced Puritans to become more involved in society, as most began to read the bible. As Christians, colonists of New England in the 1 7th century, felt compelled to be devoted to god in all possible manners; thus resulting in the formation of a tight knit community that was centered on the church. This united sense within the community spread, according to John Winthrop, it was the will of God; God had intended for man to unite as one to better serve him, in order for them not to lose God’s support Puritans must come together in all circumstances, be it miracle or tragedy. Puritans felt God had a plan for their lives, hat he had led them to the New World with great intentions for them; feeling God had led them to the place they came to call home, Puritans sought out to discover the purpose God had brought them here. In doing so they developed a theory that God had determined they be bestowed with literacy, leaving illiterate ministries In the past (as noted in A Statement about Education in New England, 1643). The expansion of literacy influenced Puritans to become more Involved in society, as most began to read the bible. As Christians, colonists of New England In the 17th century, felt impelled to be devoted to god in all possible manners; thus resulting In the formation of a tight knit community that was centered on the church. This united sense within the community spread, according to John Winthrop, It was the will of God; God had Intended for man to unite as one to better serve him, In order for them not to lose God’s support Puritans must come together In all circumstances, be It miracle or tragedy-puritans felt God had a plan for their lives, that he had led them to the New World with great Intentions for them; feeling God had led them to the place hey came to call home, Puritans sought out to discover the purpose God had brought them here. In doing so they developed a theory that God had determined they be Statement about Education in New England, 1643). The expansion of literacy influenced Puritans to become more involved in society, as most began to read the bible. As Christians, colonists of New England in the 17th century, felt compelled to be devoted to god in all possible manners; thus resulting in the formation of a tight knit community that was centered on the church. This united sense within the immunity spread, according to John Winthrop, it was the will of God; God had intended for man to unite as one to better serve him, in order for them not to lose God’s support Puritans must come together in all circumstances, be it miracle or tragedy. Puritans felt God had a plan for their lives, that he had led them to the New World with great intentions for them; feeling God had led them to the place they came to call home, Puritans sought out to discover the purpose God had brought bestowed with literacy, leaving illiterate ministries in the past (as noted in A tragedy. How to cite Puritan Life, Papers