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NEW CONTRIBUTIONS OF THE THESIS Thesis title: Appraisal of Project of Loan with Laos Bank for Foreign Trade Major: Investment economics (Development economics) Code: 62.31.05.01 Research student: Diengkham SENGKEOMYSAY Code NCS: NCS28.02B1ĐT Supervisor: Dr Nguyen Hong Minh Ass.Prof.Dr Pham Van Hung Training institution: National Economics University New academic and theoretical contributions The thesis studied factors affecting the quality of appraisal of investment project in commercial banks with the aim of minimizing the outstanding debts and worked out three factors known as (1) commercial bank factor: Leaders, appraisers, procedures, contents and methods of appraisal, information for appraisal, organizing and controlling appraisal and technical facilities serving establishment of project and (2) Investment factor: Composing information to serve initial establishment of project and (3) Macro-factors: Legal environment, policies and mechanisms of state, impacts of inflation, foreign exchange rate, political environment and natural environment New suggestions withdrawn from the findings of research The thesis suggested four groups of solutions in order to complete and develop appraisal of investment project in Lao Bank for Foreign Trade such as (1) enhancing capacity of staffs in charge of appraisal of investment projects in terms of architectural techniques and project appraisal profession (2) Strengthening equipment: Application of new scientific techniques to modernize appraisal (3) Strengthening fund for Laos Bank for Foreign Trade to establish a separate investment fund for operations of investment projects (4) Strengthening controlling quality of appraisal of investment project with loans must strengthen appraisal of financial effectiveness criteria; it should be assured that assets used as collateral have been used to ensure investment project at the present time and strengthen internal inspection and audit of the Bank in order to limit risks in loans activities The thesis also suggested three groups of recommendations: (1) Recommendations for State bank to organize seminars of discussions and withdrawal of experiences of appraisal in commercial banks, to strengthen the information system, to adjust credit information center (CIB) and recommendations for Government to complete legal environment relating to the appraisal of investment projects especially law on appraisal of investment projects, to establish accounting systems for enterprises to use consistently overall country but this accounting system must be connected to audit center of Ministry of Finance etc….(2) Recommendations for investors to enhance quality of appraisal of investment projects in charge with sufficient and accurate information submitted to the bank and publish transparently data in respects to permission for loans with accounting system under accounting ordinance and merge of international practices and (3) Recommendations for Laos Bank for Foreign Trade to support and guide enterprises to establish investment project with loans Collection and inspection of information supported by enterprises with loans must fully exploit information from CIB provided by the state bank Moreover, Laos Bank for Foreign Trade must coordinate together to publish the data to enhance quality of appraisal of investment projects to learn about and select the good customers capable of competing by services and products provided for customers to select etc….and continue to build method for enhancing quality of officers in charge of appraisal etc.… Supervisor Dr Nguyen Hong Minh, Ass.Prof.Dr Pham Van Hung Research student Diengkham SENGKEOMYSAY
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