Khóa luận tốt nghiệp tài chính ngân hàng improving credit quality for small and medium sized enterprises of bank for investment and development of vietnam thanh xuan branch

Khóa luận phân tích cải thiện chất lượng tín dụng cho doanh nghiệp nhỏ và vừa tại chi nhánh ngân hàng Đầu tư và Phát triển Việt Nam Thanh Xuân.

• Tác giả: Nguyen Linh Diep
• Người hướng dẫn: MSc. Nguyen Hai Tung
• Trường học: University of Economics and Business
• Chuyên ngành: Finance and Banking
• Đề tài: Nâng cao chất lượng tín dụng cho doanh nghiệp nhỏ và vừa tại BIDV Thanh Xuân
• Loại tài liệu: graduation thesis
• Năm xuất bản: 2021
• Địa điểm: Hanoi

Mục lục chi tiết

• 1. CHƯƠNG 1: OVERVIEW OF RESEARCH AND THE BASIS OF REASONING ON CREDIT QUALITY FOR SMES AT COMMERCIAL BANKS
• 1.1. An outline of small and medium-sized businesses in general
• 1.2. Concept of small and medium-sized enterprises
• 1.3. Characteristics of small and medium enterprises in Vietnam
• 1.4. The importance of small and medium enterprises to the economy
• 1.5. Capital needs of small and medium enterprises
• 1.6. Credit activities for small and medium-sized enterprises of commercial banks
• 1.7. Credit concepts for small and medium-sized enterprises
• 1.8. Forms of credit for small and medium-sized enterprises
• 1.9. Characteristics and role of credit for small and medium-sized enterprises
• 1.10. The necessity to improve credit quality for small and medium enterprises
• 1.11. Criteria reflecting credit quality for small and medium enterprises of commercial banks
• 1.12. Factors affecting credit quality for small and medium-sized enterprises
• 1.13. CONCLUSION OF CHAPTER 1
• 2. CHƯƠNG 2: RESEARCH METHODS AND RESEARCH PROCESS
• 2.1. Research content
• 2.2. Research process
• 2.3. Methods of data collection
• 2.4. Data processing
• 3. CHƯƠNG 3: CURRENT STATE OF SMALL AND MEDIUM ENTERPRISE CREDIT QUALITY AT VIETNAM JOINT STOCK COMMERCIAL INVESTMENT AND DEVELOPMENT - THANH XUAN BRANCH
• 3.1. Overview of Joint Stock Commercial Bank for Investment and Development of Vietnam - Thanh Xuan Branch
• 3.2. History and development of Joint Stock Commercial Bank for Investment and Development of Vietnam - Thanh Xuan Branch
• 3.3. Future development goals of Joint Stock Commercial Bank for Investment and Development of Vietnam - Thanh Xuan Branch
• 3.4. Organizational structure of Vietnam Investment and Development Joint Stock Bank - Thanh Xuan Branch
• 3.5. Main business activities of Bank for Investment and Development of Vietnam - Thanh Xuan Branch
• 3.6. Business results of Bank for Investment and Development of Vietnam - Thanh Xuan Branch for the period 2015 - 2020
• 3.7. The current situation of credit quality for small and medium enterprises at the Joint Stock Commercial Bank for Investment and Development of Vietnam - Thanh Xuan Branch
• 3.8. Current situation of credit activities for small and medium enterprises at Joint Stock Commercial Bank for Investment and Development of Vietnam - Thanh Xuan Branch
• 3.9. Credit quality current situation for small and medium-sized enterprises at Vietnam Investment and Development Joint Stock Bank - Thanh Xuan Branch
• 3.10. Credit quality assessment for small and medium-sized enterprises at Bank for Investment and Development of Vietnam - Thanh Xuan Branch
• 3.11. The cause of the limitations
• 4. CHƯƠNG 4: SOLUTIONS TO IMPROVE CREDIT QUALITY FOR SMALL AND MEDIUM-SIZED ENTERPRISES AT VIETNAM INVESTMENT AND DEVELOPMENT JOINT STOCK BANK - THANH XUAN BRANCH
• 4.1. Credit orientation for small and medium-sized enterprises of Thanh Xuan Branch
• 4.2. Credit trends for small and medium-sized enterprises of commercial banks in Vietnam
• 4.3. Orientation of credit activities for small and medium-sized enterprises of Thanh Xuan Branch in future
• 4.4. Solutions to improve the credit quality of small and medium-sized enterprises of the Joint Stock Commercial Bank for Investment and Development of Vietnam
• 4.4.1. Develop a flexible and reasonable credit policy
• 4.4.2. Improve credit appraisal quality
• 4.4.3. Improving the quality of human resources and constantly practicing professional ethics for staff
• 4.4.4. Apply a flexible mechanism for loan collateral
• 4.4.5. Strengthen inspection and control
• 4.4.6. Actively deal with problem debts, overdue debts and bad debts
• 4.4.7. Accomplish the information system
• 4.4.8. Establishment of a team in charge of small and medium-sized enterprises customers to increase specialization in credit
• 4.5. CONCLUSION OF CHAPTER 4
• DECLARATION
• ACKNOWLEDGEMENT
• LIST OF ABBREVIATIONS
• LIST OF TABLES
• LIST OF FIGURES
• ABSTRACT

Tóm tắt

I. Tổng quan về nâng cao chất lượng tín dụng cho doanh nghiệp nhỏ và vừa tại BIDV Thanh Xuân

Chất lượng tín dụng là yếu tố quan trọng quyết định sự phát triển bền vững của các doanh nghiệp nhỏ và vừa (SMEs). Tại BIDV Thanh Xuân, việc nâng cao chất lượng tín dụng không chỉ giúp doanh nghiệp tiếp cận nguồn vốn dễ dàng hơn mà còn góp phần vào sự ổn định của ngân hàng. Nghiên cứu này sẽ phân tích các yếu tố ảnh hưởng đến chất lượng tín dụng và đề xuất các giải pháp cụ thể.

1.1. Định nghĩa và vai trò của tín dụng doanh nghiệp nhỏ và vừa

Tín dụng doanh nghiệp nhỏ và vừa đóng vai trò quan trọng trong việc thúc đẩy tăng trưởng kinh tế. Các doanh nghiệp này thường gặp khó khăn trong việc tiếp cận vốn do quy mô nhỏ và thiếu tài sản đảm bảo.

1.2. Tình hình tín dụng tại BIDV Thanh Xuân

BIDV Thanh Xuân đã có những bước tiến trong việc cung cấp tín dụng cho SMEs. Tuy nhiên, vẫn còn nhiều thách thức cần giải quyết để nâng cao chất lượng tín dụng.

II. Vấn đề và thách thức trong việc nâng cao chất lượng tín dụng cho SMEs

Mặc dù BIDV Thanh Xuân đã có nhiều nỗ lực, nhưng vẫn tồn tại nhiều vấn đề ảnh hưởng đến chất lượng tín dụng cho doanh nghiệp nhỏ và vừa. Những thách thức này bao gồm quy trình thẩm định tín dụng chưa hiệu quả, thiếu thông tin về khách hàng và rủi ro tín dụng cao.

2.1. Quy trình thẩm định tín dụng chưa hiệu quả

Quy trình thẩm định tín dụng tại BIDV Thanh Xuân cần được cải thiện để giảm thiểu thời gian và chi phí cho cả ngân hàng và doanh nghiệp.

2.2. Thiếu thông tin và dữ liệu về khách hàng

Việc thiếu thông tin đầy đủ về tình hình tài chính và hoạt động của SMEs gây khó khăn trong việc đánh giá rủi ro tín dụng.

III. Phương pháp cải thiện chất lượng tín dụng cho doanh nghiệp nhỏ và vừa

Để nâng cao chất lượng tín dụng, BIDV Thanh Xuân cần áp dụng các phương pháp hiện đại trong quản lý tín dụng. Việc cải thiện quy trình thẩm định, tăng cường đào tạo nhân viên và áp dụng công nghệ thông tin là những giải pháp khả thi.

3.1. Cải thiện quy trình thẩm định tín dụng

Cần xây dựng một quy trình thẩm định tín dụng rõ ràng và minh bạch, giúp giảm thiểu rủi ro và tăng cường sự tin tưởng từ phía khách hàng.

3.2. Đào tạo và nâng cao năng lực nhân viên

Đào tạo nhân viên về kỹ năng thẩm định và quản lý rủi ro sẽ giúp nâng cao chất lượng dịch vụ tín dụng tại BIDV Thanh Xuân.

IV. Ứng dụng thực tiễn và kết quả nghiên cứu tại BIDV Thanh Xuân

Nghiên cứu đã chỉ ra rằng việc áp dụng các giải pháp cải thiện chất lượng tín dụng đã mang lại kết quả tích cực cho BIDV Thanh Xuân. Tỷ lệ nợ xấu đã giảm và sự hài lòng của khách hàng tăng lên.

4.1. Tỷ lệ nợ xấu và sự hài lòng của khách hàng

Tỷ lệ nợ xấu tại BIDV Thanh Xuân đã giảm đáng kể nhờ vào các biện pháp cải thiện quy trình thẩm định và quản lý tín dụng.

4.2. Các chỉ số tài chính quan trọng

Các chỉ số tài chính như lợi nhuận và doanh thu từ tín dụng cũng đã có sự cải thiện rõ rệt, cho thấy hiệu quả của các giải pháp đã được triển khai.

V. Kết luận và hướng đi tương lai cho chất lượng tín dụng tại BIDV Thanh Xuân

Việc nâng cao chất lượng tín dụng cho doanh nghiệp nhỏ và vừa tại BIDV Thanh Xuân là một quá trình liên tục. Cần có sự cam kết từ ban lãnh đạo và toàn thể nhân viên để thực hiện các giải pháp đã đề xuất.

5.1. Tầm quan trọng của việc duy trì chất lượng tín dụng

Duy trì chất lượng tín dụng không chỉ giúp BIDV Thanh Xuân phát triển bền vững mà còn góp phần vào sự phát triển của nền kinh tế.

5.2. Định hướng phát triển trong tương lai

BIDV Thanh Xuân cần tiếp tục nghiên cứu và áp dụng các công nghệ mới để cải thiện quy trình tín dụng, từ đó nâng cao chất lượng dịch vụ và sự hài lòng của khách hàng.

Trích đoạn nội dung tài liệu

UNIVERSITY OF ECONOMICS AND BUSNINESS (UEB) ĐẠI HOC QUOC GIA HÀ NỘI TRUONG DAI HOC KINH TE VNU - UNIVERSITY OF ECONOMICS AND BUSINESS GRADUATION THESIS IMPROVING CREDIT QUALITY FOR SMALL AND MEDIUM ENTERPRISES AT THE BANK FOR INVESTMENT AND DEVELOPMENT OF VIETNAM (BIDV) - THANH XUAN BRANCH TEACHER INSTRUCTION: MSc. NGUYEN HAI TUNG STUDENT NAME: NGUYEN LINH DIEP STUDENT CODE: 17050738 CLASS: QH2017E- TCNHCLC Hanoi, 2021 UNIVERSITY OF ECONOMICS AND BUSNINESS (UEB) Faculty of Finance and Banking ĐẠI HOC QUOC GIA HÀ NỘI TRUONG ĐẠI HOC KINH TẾ VNU - UNIVERSITY OF ECONOMICS AND BUSINESS GRADUATION THESIS IMPROVING CREDIT QUALITY FOR SMALL AND MEDIUM ENTERPRISES AT THE BANK FOR INVESTMENT AND DEVELOPMENT OF VIETNAM (BIDV) - THANH XUAN BRANCH TEACHER INSTRUCTION: MSc. NGUYEN HAI TUNG STUDENT NAME: NGUYEN LINH DIEP STUDENT CODE: 17050738 CLASS: QH2017E- TCNHCLC Hanoi, 2021 TABLE OF CONTENTS 72871.- <5 SH n0 0866880886960808806080680608060068866 8 LIST OF ABBREVHA TION.- <5 5 5c sọ 000900 06090069689666968866 8 LEST OF TABLES 7 551. 8 LEST OOP PUGH oss scccessessessassessassessecsessessesceasessessassesseosscssssessansecsncsssssasssssessssanees 9.

OVERVIEW OF RESEARCH AND THE BASIS OF REASONING ON CREDIT QUALITY FOR SMES AT COMMERCIAL BANKS. Overview of credit quality research for small and medium-sized enterprises at 000i 26018). Overview of domestic F€S€@FCH. Overview of Research Gap.

5 << xE 1E ki trkrre 19 1. An outline of small and medium-sized businesses in øeneral. Concept of small and medium-sized enterprises. Characteristics of small and medium enterprises in Vietnam.

The importance of small and medium enterprises to the economy. Capital needs of small and medium enterprises. Credit activities for small and medium-sized enterprises of commercial banks. Credit concepts for small and medium-sized enIeFDFIS€S.

Forms of credit for small and medium ©Hf€TDTIS€S. Characteristics and role of credit for small and medium-sized enterprises 4 1. The necessity to improve credit quality for small and medium enterprises ¬—-. Criteria reflecting credit quality for small and medium enterprises of COMMELCIAL DANKS.

Factors affecting credit quality for small and medium-sized enterprises. 42 CONCLUSION OF CHAPTER Í. RESEARCH METHODS AND RESEARCH PROCESS. -- c1 v11 111 1 11v 1H 1 TH TH KH kg kg vn vn 45 2.

ÑeseqrCh COHT€HI. ÑeseqrCh DFOC€SS. Methods of data COÏÏ€CẨÏOH. Data PrOCeSSING HI€ẨHHOÏ.

SG 0vng kh 49 CHAPTER 3. CURRENT STATE OF SMALL AND MEDIUM ENTERPRISE CREDIT QUALITY AT VIETNAM JOINT STOCK COMMERCIAL INVESTMENT AND DEVELOPMENT - THANH XUAN BRANCH. Overview of Joint Stock Commercial Bank for Investment and Development of Vietnam - Thanh Xuan Branch. About Joint Stock Commercial Bank for Investment and Development of Vietnam 52 3.

— History and development of Joint Stock Commercial Bank for Investment and Development of Vietnam - Thanh Xuan Brannch. Future development goals of Joint Stock Commercial Bank for Investment and Development of Vietnam - Thanh Xuan Branch. — Organizational structure of Vietnam Investment and Development Joint Stock Bank - Thanh Xuan Branch n. Main business activities of Bank for Investment and Development of Vietnam — Thanh Xuan Branch y.

Business results of Bank for Investment and Development of Vietnam - Thanh Xuan Branch for the period 2015 - 2020. The current situation of credit quality for small and medium enterprises at the Joint Stock Commercial Bank for Investment and Development of Vietnam - Thanh Xuan 3. Current situation of credit activities for small and medium enterprises at Joint Stock Commercial Bank for Investment and Development of Vietnam - Thanh XUAN BrANCH 0n. Credit quality current situation for small and medium-sized enterprises at Vietnam Investment and Development Joint Stock Bank - Thanh Xuan Branch.

Credit quality assessment for small and medium-sized enterprises at Bank for Investment and Development of Vietnam - Thanh Xuan Branch. SG HH HH kh 99 3. The cause of the limitations. SOLUTIONS TO IMPROVE CREDIT QUALITY FOR SMALL AND MEDIUM-SIZED ENTERPRISES AT VIETNAM INVESTMENT AND DEVELOPMENT JOINT STOCK BANK - THANH XUAN BRANCH.

Credit orientation for small and medium-sized enterprises of Thanh Xuan Branch l0 sv90)0)150 451. Credit trends for small and medium-sized enterprises of commercial banks in VICINAM PPEEẼEẼEẼẼE 102 4. Orientation of credit activities for small and medium-sized enterprises of Thanh Xuan Branch in future. Solutions to improve the credit quality of small and medium-sized enterprises of the Joint Stock Commercial Bank for Investment and Development of Vietnam - §ì:0.

Develop a flexible and reasonable. Improve credit Appraisal Quality. Improving the quality of human resources and constantly practicing Professional ethics Staff 08. Apply a flexible mechanism for loan colÏafeFÏ,.

Strengthen inspection ANd COHfFOÏ,.- ccsSSc vs vE+seeessseesssesxs 110 4. Actively deal with problem debts, overdue debts and bad debts. Accomplish the information SYStCM. Establishment of a team in charge of small and medium-sized enterprises customers in order to increase the specialization in credit for small and medium- D⁄.

113 CONCLUSION OF CHAPTER 4Ả.cssssccsssssscossesssssssosesssssssessonsnsseonsossssssosscosssssnesssessossssssossssscsseassnesonsses 116 REEERBENGHS sssccssscsssssssossssesesssssorssnsseesasssssonsssevsersesosssnsssossssesssssrsessensssersrsesaenatte 119 DECLARATION I hereby declare that this thesis is my own work and effort as well that it has not been submitted anywhere for. Where other sources of information have been used, they have been acknowledged. Hanoi, April 2021 Students Supervisor ACKNOWLEDGEMENT I must offer my profoundest gratitude to my thesis advisor, MSc.Nguyen Hai Tung. From finding an appreciate subject in the beginning to the process of writing thesis, MSc.

Nguyen Hai Tung offers his unreserved help and guidance as well lead me to complete my thesis step by step. Without his kind and patient instruction, it is impossible for me to finish my thesis. I am also indebted to my friends, who squeeze time from theIR busy schedule assist me in thesis, they are all busy with their own thesis, however they are willing to give their helping hands as soon as I am in need Consequently, I am also grateful to my parents who always support me spiritually throughout my life and provide a carefree environment for me, as a result I can concentrate on my study. LIST OF ACRONYMS BIDV Bank for Investment and Development of Vietnam EBT Earning Before Taxes NPL Non-performing loan SBV State Bank of Vietnam SMEs Small and medium-sized enterprises VNU Vietnam National University LIST OF TABLES Table 1.1: Criteria for determining small and medium-sized enterprises Table 3.1: Business plan of BIDV Thanh Xuan in 2021 Table 3.2: Business results for the period 2015-2020 Table 3.3: Credit situation for the period 2015-2020 Table 3.4: Service activities from 2015-2020 Table 3.5: Number of SME customers for the period 2015-2020 Table 3.6: Overdue debt ratio of SMEs during the period of 2015-2020 Table 3.7: Comparison of credit quality of corporate customers of Thanh Xuan Branch with TOP 10 branches with the largest outstanding loan balance Table 3.8: Bad debts of SMEs from 2015-2020 Table 3.9: Ratio of small and medium-sized customer credit risk Table 3.10: Suspended interest on small and medium-sized enterprises Table 3.11: Table of observation results by Cronbach Alpha LIST OF FIGURES Figure 1.1: Credit growth of commercial banks in 2020 Figure 3.1: Organizational structure of BIDV- Thanh Xuan Branch Figure 3.2: Capital mobilization growth in the period 2015 — 2020 Figure 3.3: Capital mobilization at the end of the period by customer in the period 2015 - 2020 Figure 3.4: Credit structure by terms in the period 2015-2020 Figure 3.5: Structure of outstanding debts by term Figure 3.6: Credit structure by customer in the period 2015-2020 Figure 3.7: Outstanding balance structure by customer in the period 2015-2020 Figure 3.8: Credit structure by industry Figure 3.9: Credit structure by business industry as at 31/12/2019-31/12 / 2020 Figure 3.10: Situation of NIM development of branches over the years Figure 3.11: The process of granting small and medium-sized business credit Figure 3.12 : Credit activities for small and medium-sized enterprises in the period 2015- 2020 Figure 3.13 : Bad debt ratio of SMEs from 2015-2020 Figure 3.14: Ratio of debt with collateral in the period 2015-2020 Figure 3.15: Results of credit assessment 10 Figure 3.16: Credit approval time Figure 3.17: Customer manager attitude Figure 3.18: Professional qualifications of customer managers Figure 3.19: Professional qualifications of customer managers Figure 3.20: Interest rates and fees Figure 3.21: Customer satisfaction Figure 3.22: The satisfaction model divided by variables Figure 3.23: SEM model to evaluate relation of variables 11 ABSTRACT The thesis has integrated insights, provided appropriate rationale, and investigated parameters for evaluating the bank's corporate credit quality.

The thesis outlined the position of credit quality of small and medium enterprises at BIDV - Thanh Xuan Investment Joint Stock Bank during the research period from 2015 to 2020 by demonstrating each specific target. Various positive aspects such as loan balances for SMEs customers are growing at a steady speed. On the contrary, there are some limitations, such as the growth rate in unpaid debts, which makes it challenging for branches to regulate lending efficiency, and wasn't highly associated throughout the bank's business force, which is also partly due to increased targets. The thesis makes comments on the scenario of credit quality of small and medium enterprises of Bank for Investment and Development of Vietnam - BIDV Thanh Xuan Branch from 2015 to 2020 by analyzing indicators based on primary and substituted data, therefore providing proposaIR and solutions to enhance the quality of credit for small and medium enterprises, such as retaining the credit process, applying and strengthening professional ability, credit officer ethics, effective policies for businesses, and other solutions are also some of the alternatives.

The necessity of the study In today's world, the financial market is trending through integration and widening, which is a particularly vital factor of the economy - the System of Vietnam Commercial Bank has developed extremely comprehensively over the last 25 years, adhering to the country's socio-economic development goals in each period. In addition to implement new products and services such as financial consulting, insurance, and e-banking, many commercial banks intend to prioritize the consolidation and advancement of bank credit operations, investing both in intensity and broadly to assure that the market is sustained and extended in the future. Bank credit activities contribute not only to the creation of stable capital and profits for banks, but also to the expansion of the market, productivity improvements, and sustainability of operations. Credit growth was at its lowest level in recent years (12,13%) by 2020, as a result of the covid-19 pandemic, which reduced credit demand.

However, it provided a great recovery in the fourth quarter, owing to positive market information from vaccines.1: Credit growth of commercial banks in 2020 Unit: % 14 12.4 | , MM: Quarter I/2020 R Quarter II/2020 a Quarter III/2020 Quarter IV/2020 2020 (Source: Summary of Commercial Banks, reported by BSC 2020) Recently, most commercial banks in Vietnam have aimed at developing credit activities, 13 especially credit for small and medium-sized entreprises, since the number and total size of all these types of businesses are becoming particularly crucial in the country's enterprise structure. According to data from the national database on business registration, there were 758,610 operating businesses as of December 31, 2019, up 6.1 percent from the same period in 2018. There were 62,049 thousand newly registered enterprises in the fIRst six months of 2020, down 7.3 percent from the same period last year; 25,157 thousand enterprises returned to operation, up 16.4 percent from the same period last year; and 56,227 enterprises withdrawn from the market (suspended business for a period of time, ceased operations pending dissessa procedures), in comparison to the same time last year, the growth was 10. SMEs account for roughly 97 percent among all SMEs.

Currently, SMEs contribute nearly 50% of GDP, 33% of state budget revenues, 45% of investment capital to implement the whole society. Credit extension results for SMEs showed that as of December 31, 2019, credit balance for SMEs reached VND 1,601,964 billion, an increase of 21.1% compared to the end of 2018, accounting for 19.6% of the total outstanding debt of the economy. By August 30, 2020, the credit balance for SMEs reached about VND 1,673,935 billion, up 4.49% compared to the end of 2019, accounting for 19.