Credit risk is one of the most general risks that exist in the financial market and a major risk
faced by financial institutions. Credit risk management (CRM) is to identify, measure,
monitor, and control risk arising from the possibility of default in loan repayments. The
primary objective of CRM of Agribank is to maintain risk within acceptable parameters and
satisfy the regulatory requirements.
Because of these reason, this thesis “Credit Risk Management for small and medium
enterprises in the Vietnam Bank of Agriculture and rural Development - North Hanoi Branch”
adopts qualitative analysis and case study approaches to identify key factors contributing to
the result in loan defaults and banks’ credit risk. In addition to normal risks faced by financial
The objective of the topic is to investigate the status of credit risk management for personal
customers of MBBank-Son Tay Town Branch, thereby proposing appropriate measures to
improve credit risk management for personal customer at the branch.
In the research process, the topic uses a variety of methods to analyze and research.
Research data in the topic is mainly secondary data collected by the author from literature
reference. Secondary data collected in the topic is data related to business operations, credit
activities, and credit risk management activities of Military Commercial Joint Stock BankSon
Tay Town Branch in period 2014-2016 through annual statements, financial statements,
general statements ... and internal documents of the branch, research works, reference ...
This study aims to study about credit risk management in SMEs lending in Vietinbank
– Hanoi Branch. To do that, this study have objectives of systematizing several theoretical
and practical matters about credit risk management at Vietinbank - Hanoi Branch; studying
the situation of credit risk management for small and medium enterprises at Vietinbank -
Hanoi Branch; and providing some solutions to improve the quality of risk management in
lending to at Vietinbank - Hanoi Branch. Moreover, qualitative research method is applied
with secondary data is collected from books and journals about credit risk management.
Internal reports about Vietinbank’s credit activities and credit risk management for SMEs
customers will be collected during period of 2012-2016. Other while, primar...