TABLE OF CONTENTS
LIST OF ABBREVIATIONS
LIST OF TABLE
LIST OF FIGURE
INTRODUCTION
CHAPTER 1
THEORETICAL FOUNDATION
1.1 Commercial banks
1.1.1 Main types of Risk in the bank operation
1.1.2 Other types of risk
1.2 Bank credit & Credit Risk
1.2.1 Bank credit
1.2.2 Classification of credits & credit risk
1.2.3 Root causes of credit risk
1.2.4 Damages caused by credit risks
1.3 Credit risk management
1.3.1 Concept
1.3.2 Identification of credit risks
1.3.3 Preventive and corrective measures against groups of risk signs
1.4 Risk management from the viewpoint of Basel Committee and criteria
for development of a modern risk management model.
1.4.1 Basel I Banking regulations
1.4.2 Methods of credit risk approach as per Basel II
1.4.3. Criteria for development of a modern risk management model as per
Basel Committee
1.4.4. Vietnam’s existing regulations on debt classification, provisioning and
use of provisions for settlement of credit risks
CHAPTER 2
ANALYSIS OF AGRIBANK’S CREDIT RISK MANAGEMENT
2.1. Overview on Agribank and its loan system
2.1.1. Milestones
2.1.2. Organization structure
2.1.3. Operation networks
2.2.2. Business performance during 2005 - 2009
2.3. Loan structure and quality during 2005-2009
2.3.1. Loan structure:
2.3.2 Credit quality
2.3.3 Assessment on provision for impairment loss and methods to deal with
bad debts
2.4 Status quo of credit risk management in Agribank
2.4.1 Credit organization structure and risk management:
2.4.2. Credit processes
2.4.3. Regulations on customer classification as currently applied
2.4.4 Some shortcomings in credit risk management
2.4.5 Main reasons caused credit risk in Agribank
CHAPTER 3
SOLUTIONS AND RECOMMENDATIONS TO IMPROVE AGRIBANK’S
CREDIT RISK MANAGEMENT
3.1. Agribank’s development goals and orientation in terms of credit
activities and credit risk management towards 2015 and 2020
3.2 Measures to improve the efficiency and effectiveness of credit risk
management in Agribank
3.2.1 Strengthening financial conditions
3.2.2 Complete credit operation and risk management structure
3.2.3 Complete credit procedures
3.2.4 Improve the quality of human resources
3.2.5. Customer classification and assessment procedures
3.2.6. Develop customer policies in credit activities:
3.2.7 Credit policies
3.2.8 Book provisions to offset risks:
3.3. Policy recommendations to improve commercial bank’s credit risk
management
3.3.1. To the Government
3.3.2. To State Bank
CONCLUSION
REFERENCE