2 t9 result solution

4.3.2 Survey allocation Questionnaires were conducted at ACB's branches in Hanoi, specifically: Thang Long Branch, Tay Ho Branch, Hoang Quoc Viet Branch, Cau Giay Branch, Long Bien Branch, Branch Dong Da, Thai Ha Branch Below is the distribution of the number of respondents at the branches 13.00% 28.00% 4.00% 11.00% 14.00% 12.00% Thang Long Branch Cau Giay Branch Thai Ha Branch Tay Ho Branch Long Bien Branch 18.00% Hoang Quoc Viet Branch Dong Da Branch Figure 4.1 Allocate the number of survey participants at the branches 4.3.3 Analysis of survey results on credit risk control  Question 1: Method of inspection - internal control at the Branch 19.35% 34.94% 45.71% Daily direct inspection Periodic direct inspection Daily remote monitoring Combine the above forms Periodic remote monitoring Figure 4.2 Methods of inspection - internal control at branches According to the survey results of question 1, which is shown in the pie chart in Figure 4.2, it shows that the branches of ACB are mainly applying the method of periodic direct inspection to internal control at their branches (45.71%) The second method that 34.94% of respondents said that they are applying at the branch where they work is periodic remote monitoring 19.35% of the respondents said that the branch where they work is applying both periodic remote monitoring and periodic direct monitoring at the same time No branch applies the methods of daily direct inspection and daily remote monitoring to perform internal control  Question 2: Which customer group is the main group of bad debts at the branch? 28.51% 30.10% 41.39% Not available Small and medium enterprise Personal customers Big enterprise Figure 4.3 Group of branch's bad debt customers Survey results of question about bad debts at ACB's branches in Hanoi belong to which customer groups are shown through the pie chart in Figure 4.3 From the results above gives us all The majority of bad debts of surveyed branches come from small and medium enterprises customer groups (41.39%) Taking second place is the individual customer group with a rate of 30.1% Standing at the last position is the group of large corporate customers with 28.51%  Questions from question to question 12 Questions from questions to 12 are designed by the author on a 5-level Likert scale (1 - strongly disagree to - strongly agree) Data collected after the survey were processed by the author on SPSS 16.6 software to produce the average index (mean), the minimum value (min), the maximum value (max), the standard deviation (Standard deviation) of survey questions Below is a checklist describing the survey results of the questions to 12 Questions Min Max The customer relations officer at the branch has good ethics The number of internal inspection control officers at the Branch is enough to meet the workload Internal inspection and control at the branch operated effectively The current credit extension process at the branch is reasonable The customer relations department has a good capacity The branch has the phenomenon of officers making mistakes in the process Bad debts at the branch are handled effectively There is a phenomenon of credit risk due to the professional ethics of the staff The information system for appraisal works well The number of debt managers at the branch is sufficient Table 4.1 Survey results Mean 3.71 Std.Devi 0.925 2.6 0.524 2.99 1.073 3.28 0.503 3.77 0.572 4.19 0.532 3.78 0.663 3.89 0.938 4.04 0.605 3.43 0.586 According to the survey results in Table 4.1 above, it shows that the customer relations officers currently working in the branches are evaluated to have good morality (the average score is 3.71) with the standard deviation of 0.925