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. 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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. 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