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INTRODUCTION 1 Significance of the Study Commercial banks are the most important financial intermediaries in the economy, with very diverse activities The bank is both an organization that attracts th[.]
INTRODUCTION Significance of the Study Commercial banks are the most important financial intermediaries in the economy, with very diverse activities The bank is both an organization that attracts the largest savings in the economy as well as a major lending institution for businesses, individuals, households, and partly the state In recent years, along with the renewal of the country's economy, the process of forming and developing the banking system has shown an even more important role and position in the process of socio-economic development The economy can only develop at a high and stable speed if there is a well-functioning and efficient customer service system Therefore, information related to banking activities is always of top concern to the government, businesses, and all classes of people in society In the bank's activities, credit is the most important activity, accounting for the highest proportion of total assets and generating the highest income Also, because credit activities contain many risks, when they occur, they will directly affect the bank's income Therefore, credit risk needs to be managed and controlled within allowable limits in order to minimize losses, contribute to improving the bank's reputation, create competitive advantages, and help banks increase their profits sustainably Stemming from the above fact, the requirement is to control credit growth in parallel with improving credit quality, ensuring safety in credit activities in the coming time To achieve this goal, commercial banks in general and the Military Bank-West Hanoi branch in particular need to analyze, identify, and measure the causes of credit risk Since then, I have chosen the topic "Credit Risk Management at the Military Commercial Joint Stock Bank- West Hanoi Branch" as my thesis topic Aims of the Study Assessing the current state of credit risk management at the Military Commercial Joint Stock Bank's - West Hanoi Branch, it previously proposed solutions and made recommendations to strengthen credit risk management at the Military Commercial Joint Stock Bank's- West Hanoi Branch Scope of the Study - Research object: Credit risk management at the Military Commercial Joint Stock Bank - West Hanoi Branch - Research scope: + About the content: Theoretical basis of credit risk, credit risk management for commercial banks + About the research space: At The Military Joint Stock Commercial Bank, West Hanoi Branch + About Time: Analysis Data for the Period 2019-2021 Methods of the Study The following methods are used in this thesis: - Methods of qualitative and quantitative analysis to measure credit risk for a credit or credit portfolio in the bank's credit operations - Methods of statistics, comparison, analysis, and synthesis of statistical reports of the Military Commercial Joint Stock Bank - West Hanoi Branch Organization of the Study: In addition to the introduction and conclusion, the thesis is divided into chapters Chapter 1: Credit risk and credit risk management at commercial bank Chapter 2: The study status of credit risk at Military Commercial Joint Stock Bank-West Hanoi branch Chapter 3: Improved credit risk management at the West Hanoi Branch of Military Commercial Joint Stock Bank CHAPTER 1: CREDIT RISK AND CREDIT RISK MANAGEMENT AT COMMERCIAL BANK 1.1 The credit risk of commercial bank 1.1.1 The credit activities of commercial banks: 1.1.1.1 The concept and function of a commercial bank: 1.1.1.2 The credit activities of commercial banks: 1.1.2 Credit risk of commercial banks: 1.2 1.1.2.1 The concept of credit risk: 1.1.2.2 Classification of credit risk: 1.1.2.3 Credit risk characteristics: The Credit Risk Management At Commercial Bank 1.2.1 The concept of credit risk management and the importance for credit risk management: 1.2.1.1 The concept of credit risk management: 1.2.1.2 The importance of credit risk management 1.2.2 The basics of credit risk management 1.2.2.1 Developing a Credit Risk Management Policy and a Risk Management Strategy: 1.2.2.2 The building of a credit risk management model: 1.2.3 Factors affecting credit risk management: CHƯƠNG 2: CURRENT SITUATION OF CREDIT RISK MANAGEMENT AT MILITARY JOINT STOCK COMMERCIAL BANK – WEST HANOI BRANCH 2.1 Overview of Military Commercial Joint Stock Bank's- West Hanoi Branch 2.1.1 Formation and development: 2.1.2 Organizational structure, functions and tasks of Military Commercial Joint Stock Bank - West Hanoi branch 2.1.3 Business results and operational status of Military Commercial Joint Stock Bank - West Hanoi branch in 2019-2021 2.1.4 The situation of bad debt at Military Commercial Joint Stock Bank West Hanoi 2.2 The current situation of credit risk management at MB – West Hanoi Branch 2.2.1 Current situation of credit risk management at MB – West Hanoi Branch 2.2.2 Results of credit risk management at MB – West Hanoi Branch CHAPTER 3: Recommendations 3.1 Solution to improve credit risk management in West Hanoi Branch 3.2 Recommendations to Military Commercial Joint Stock Bank's - West Hanoi Branch 3.3 Recommendations to the State Bank of Vietnam Aims of the Study Assessing the current state of credit risk management at the Military Commercial Joint Stock Bank's - West Hanoi Branch, it previously proposed solutions and made recommendations to strengthen credit risk management at the Military Commercial Joint Stock Bank's- West Hanoi Branch Scope of the Study - Research object: Credit risk management at the Military Commercial Joint Stock Bank - West Hanoi Branch - Research scope: + About the content: Theoretical basis of credit risk, credit risk management for commercial banks + About the research space: At The Military Joint Stock Commercial Bank, West Hanoi Branch + About Time: Analysis Data for the Period 2019-2021 Methods of the Study The following methods are used in this thesis: - Methods of qualitative and quantitative analysis to measure credit risk for a credit or credit portfolio in the bank's credit operations - Methods of statistics, comparison, analysis, and synthesis of statistical reports of the Military Commercial Joint Stock Bank - West Hanoi Branch Organization of the Study: In addition to the introduction and conclusion, the thesis is divided into chapters Chapter 1: Credit risk and credit risk management at commercial bank Chapter 2: The study status of credit risk at Military Commercial Joint Stock Bank-West Hanoi branch Chapter 3: Improved credit risk management at the West Hanoi Branch of Military Commercial Joint Stock Bank CHAPTER 1: CREDIT RISK AND CREDIT RISK MANAGEMENT AT COMMERCIAL BANK 1.3 The credit risk of commercial bank 1.3.1 The credit activities of commercial banks: 1.3.1.1 The concept and function of a commercial bank: 1.3.1.2 The credit activities of commercial banks: 1.3.2 Credit risk of commercial banks: 1.4 1.3.2.1 The concept of credit risk: 1.3.2.2 Classification of credit risk: 1.3.2.3 Credit risk characteristics: The Credit Risk Management At Commercial Bank 1.4.1 The concept of credit risk management and the importance for credit risk management: 1.4.1.1 The concept of credit risk management: 1.4.1.2 The importance of credit risk management 1.4.2 The basics of credit risk management 1.4.2.1 Developing a Credit Risk Management Policy and a Risk Management Strategy: 1.4.2.2 The building of a credit risk management model: 1.4.3 Factors affecting credit risk management: CHƯƠNG 2: CURRENT SITUATION OF CREDIT RISK MANAGEMENT AT MILITARY JOINT STOCK COMMERCIAL BANK – WEST HANOI BRANCH 2.1 Overview of Military Commercial Joint Stock Bank's- West Hanoi Branch 2.1.1 Formation and development: 2.1.2 Organizational structure, functions and tasks of Military Commercial Joint Stock Bank - West Hanoi branch 2.1.3 Business results and operational status of Military Commercial Joint Stock Bank - West Hanoi branch in 2019-2021 2.1.4 The situation of bad debt at Military Commercial Joint Stock Bank West Hanoi 2.2 The current situation of credit risk management at MB – West Hanoi Branch 2.2.1 Current situation of credit risk management at MB – West Hanoi Branch 2.2.2 Results of credit risk management at MB – West Hanoi Branch CHAPTER 3: Recommendations 3.1 Solution to improve credit risk management in West Hanoi Branch 3.2 Recommendations to Military Commercial Joint Stock Bank's - West Hanoi Branch 3.3 Recommendations to the State Bank of Vietnam 10 Aims of the Study Assessing the current state of credit risk management at the Military Commercial Joint Stock Bank's - West Hanoi Branch, it previously proposed solutions and made recommendations to strengthen credit risk management at the Military Commercial Joint Stock Bank's- West Hanoi Branch 11 Scope of the Study - Research object: Credit risk management at the Military Commercial Joint Stock Bank - West Hanoi Branch - Research scope: + About the content: Theoretical basis of credit risk, credit risk management for commercial banks + About the research space: At The Military Joint Stock Commercial Bank, West Hanoi Branch + About Time: Analysis Data for the Period 2019-2021 12 Methods of the Study The following methods are used in this thesis: - Methods of qualitative and quantitative analysis to measure credit risk for a credit or credit portfolio in the bank's credit operations - Methods of statistics, comparison, analysis, and synthesis of statistical reports of the Military Commercial Joint Stock Bank - West Hanoi Branch 13 Organization of the Study: In addition to the introduction and conclusion, the thesis is divided into chapters Chapter 1: Credit risk and credit risk management at commercial bank Chapter 2: The study status of credit risk at Military Commercial Joint Stock Bank-West Hanoi branch Chapter 3: Improved credit risk management at the West Hanoi Branch of Military Commercial Joint Stock Bank CHAPTER 1: CREDIT RISK AND CREDIT RISK MANAGEMENT AT COMMERCIAL BANK 1.5 The credit risk of commercial bank 1.5.1 The credit activities of commercial banks: 1.5.1.1 The concept and function of a commercial bank: 1.5.1.2 The credit activities of commercial banks: 1.5.2 Credit risk of commercial banks: 1.6 1.5.2.1 The concept of credit risk: 1.5.2.2 Classification of credit risk: 1.5.2.3 Credit risk characteristics: The Credit Risk Management At Commercial Bank 1.6.1 The concept of credit risk management and the importance for credit risk management: 1.6.1.1 The concept of credit risk management: 1.6.1.2 The importance of credit risk management 1.6.2 The basics of credit risk management 1.6.2.1 Developing a Credit Risk Management Policy and a Risk Management Strategy: 1.6.2.2 The building of a credit risk management model: 1.6.3 Factors affecting credit risk management: CHƯƠNG 2: CURRENT SITUATION OF CREDIT RISK MANAGEMENT AT MILITARY JOINT STOCK COMMERCIAL BANK – WEST HANOI BRANCH 2.1 Overview of Military Commercial Joint Stock Bank's- West Hanoi Branch 2.1.1 Formation and development: 2.1.2 Organizational structure, functions and tasks of Military Commercial Joint Stock Bank - West Hanoi branch 2.1.3 Business results and operational status of Military Commercial Joint Stock Bank - West Hanoi branch in 2019-2021 2.1.4 The situation of bad debt at Military Commercial Joint Stock Bank West Hanoi 2.2 The current situation of credit risk management at MB – West Hanoi Branch 2.2.1 Current situation of credit risk management at MB – West Hanoi Branch 2.2.2 Results of credit risk management at MB – West Hanoi Branch CHAPTER 3: Recommendations 3.1 Solution to improve credit risk management in West Hanoi Branch 3.2 Recommendations to Military Commercial Joint Stock Bank's - West Hanoi Branch 3.3 Recommendations to the State Bank of Vietnam