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 research will assess both the achievements and the shortcomings of the system
of credit appraisal at HDBank Ba Dinh Branch, based on which we propose solutions by
applying the experience in applying credit procedures of other major banks in Vietnam
and around the world.