The credit risk management of agribank’s bien hoa branch

MEIHO UNIVERSITY Graduate Institute of Business and Management MASTERS THESIS The Credit Risk Management of Agribank’s Bien Hoa Branch In partial fulfillment of the requirements for the degree of Masters of Business Administration Advisor: Dr Ching-Wen Mo Co-advisor: Dr Pham Duy Hieu Graduate Student: Nguyen Hoang Thanh Phi December, 2010 ACKNOWLEDGMENTS I am very grateful indeed to the Ho Chi Minh city Industrial University’s the managing boards, and Meiho University, Taiwan My thanks to Ph.D Ching-Wen Mo in Meiho University, Taiwan for instructing me during the time of doing my research Thanks to Ph.D Pham Duy Hieu to give me valuable experience Thanks also to the professors in Meiho University and in Ho Chi Minh city Industrial University As ever, I am grateful to all the staff in the Agricultural and Rural Development Bank in Bien Hoa City Thanks to all my classmates of EMBA2 class to give me helpful advice to finish my research I The Credit Risk Management of Agribank’s Bien Hoa Branch ABSTRACT Banks play an important role as the channel of mobilizing and circulating capital and become financial intermediaries in the market economy The process of globalization has strengthened the inter-dependence among the economies in the world In 2008, the credit crisis in the USA affected the global economy crisis, the financial fields suffered sharply from this event as well as banking sector Nowadays, one of the risks which the banks need to consider is the credit risks, since the credit system is such important, complicate but vulnerable By combination of theories and practical operation, we have collected the real data as many banks through questionnaires and then used comparison and analysis methods to have comments to evaluate and true credit activities and credit risk management tasks From the empirical results, we have suggested some realistic solutions to improve the quality of credit risk management tasks And the banks may apply these solutions to control risks as lowest rate as possible Moreover, we learned from the research that credit growth is very necessary; however it needs to be linked with safety and effectiveness On the other hand, besides the outside causes, the subjective causes are more important to credit risks Although banks gained success in the process of managing credit which there is still limitations and slots left to make room for credit risks to sprout Here are some our suggestions developed during the time of investigating the credit risks management tasks - Building an effective credit operational procedure - Upgrading the quality of checking tasks inside the banks - Managing and supervising credit risks in and after the time of offering loans - Setting up and upgrading the IT system inside the banks - Improving the quality for the human resources - Building an internal credit risks control department - Considering all environmental factors in loans regulations II We believed that if banks implement these solutions properly, they will avoid most of credit risks problem at the lowest rate as they can Keywords: Financial Intermediaries, Credit Risks, Internal Control III The Credit Risk Management of Agribank’s Bien Hoa Branch Contents ACKNOWLEDGMENTS I ABSTRACT II Contents IV Tables VI Figures VIII Chapter1 Introduction 1.1 Motivation 1.2 Research Objective, Research Questions 1.2.1 Reasearch objective 1.2.2 Research questions 1.3 Research Scale, Objects for Research and Limit Research 1.4 New Characteristics of the Thesis Chapter2 Reasoning Basis in Managing Credit Risks 2.1 Managing Risk in the Banking Business 2.1.1 Generalizing about risk 2.1.2 Risks and managing risks in the banking business 2.1.3 Influence of risks to banking operations and social economy 2.2 Overview of Managing Credit Risks of the Bank 2.2.1 Credit concept 2.2.2 Credit risks 2.2.3 Credit risk management 14 2.3 Introduction of the Bien hoa Agribank and Rural Development 19 Chapter3 Research Methodology 21 3.1 Research Process 21 3.2 Research Methods 23 3.3 Designing the Questionnaire Structure 23 3.4 The Accuracy of the Data 26 3.5 Validity and Reliability of Research Data 27 Chapter4 Research Results and Analysis 28 IV 4.1 To Analyze the General Information of Investigated Persons 28 4.2 To Analyze the Causes of Credit Risk in Banks 29 4.2.1 The reasons causing credit risk (the outside causes) 29 4.2.2 The credit risk be caused from customers 30 4.2.3 The credit be caused from the weakness of risk management of bank 31 4.3 Comparisons Analysis 36 4.3.1 Comparing three groups of causes of credit risk among the size of credit deposit 36 4.3.2 Comparing three groups of causes of credit risk among working experience in bank 41 4.3.3 Comparing three groups of causes of credit risk among professional degree 46 4.4 Multiple Regression 48 Chapter5 Implications, Conclusions and Recommendations 51 5.1 Orientation Development of Agribank’s Bien Hoa Branch in 2010 51 5.2 Solutions to Increase Efficiency of Credit Risk Management in Agribank’s in Bien Hoa Branch 51 5.2.1 Setting up the effective credit policies 51 5.2.2 Improve the quality of checking tasks inside the banks 52 5.2.3 Manage and supervise the credit risk in and after loans offer 53 5.2.4 Building and upgrading the it system internal 53 5.2.5 Improve the quality of human resources 54 5.2.6 Building risk managing culture 54 5.2.7 Consider environmental factors in terms of loans 54 5.3 Recommendations 55 5.3.1 The recommendations to Agribank Vietnam 55 5.3.2 Recommendations to state banks 56 5.3.3 Recommendation to the state 58 5.4 Conclusion 60 References 61 V Tables Table 2-1 Results of the Bank’s Business Activities during the Years .20 Table 3-1 Reliability of the Questionnaire .27 Table 4-1 The Size of Credit Deposit 28 Table 4-2 About Your Working Experience in Bank 28 Table 4-3 Professional Degree 29 Table 4-4 The Reasons Causing Credit Risk .29 Table 4-5 The Credit Risk Be Caused From Customers 30 Table 4-6 The Credit Risk Be Caused From the Weakness of Risk Management of Bank (1) .31 Table 4-7 The Credit Risk Be Caused From the Weakness of Risk Management of Bank (2) .32 Table 4-8 The Credit Risk Be Caused From the Weakness of Risk Management of Bank (3) .33 Table 4-9 The Credit Risk Be Caused From the Weakness of Risk Management of Bank (4) .34 Table 4-10 ONE – WAY ANOVA – Descriptives of the Group of Causes among the Size of Credit Deposit 36 Table 4-11 Test of Homogeneity of Variances – among the Size of Credit Deposit for Each Group of Causes 36 Table 4-12 ANOVA 37 Table 4-13 ANOVA 38 Table 4-14 Multiple Comparisons .38 Table 4-15 ANOVA 39 Table 4-16 Multiple Comparisons .39 Table 4-17 ANOVA 40 Table 4-18 Multiple Comparisons .40 Table 4-19 ONE – WAY ANOVA – Descriptives of the Group of Causes among Working Experience in Bank .41 Table 4-20 Test of Homogeneity of Variances – Among Working Experience in Bank for Each Group of Causes 41 Table 4-21 ANOVA 42 VI Table 4-22 ANOVA 43 Table 4-23 Multiple Comparisons .43 Table 4-24 ANOVA 43 Table 4-25 Multiple Comparisons .44 Table 4-26 ANOVA 44 Table 4-27 Multiple Comparisons .45 Table 4-28 ONE – WAY ANOVA – Descriptives of the Group of Causes among Professional Degree .46 Table 4-29 Test of Homogeneity of Variances – Among Professional Degree for Each Group of Causes 47 Table 4-30 ANOVA 47 Table 4-31 Correlations Matrix of the Predictors and Predicted Variable 48 Table 4-32 Model Summary for Credit Deposit Regression .49 Table 4-33 ANOVA(b) of the Credit Deposit Model 49 Table 4-34 Coefficients(a) of Predictors for Credit Deposit .49 VII 4.4 Multiple Regression Table 4-31 Correlations Matrix of the Predictors and Predicted Variable Credit deposit Pearson Correlation Credit deposit The reasons causing credit risk The credit risk be caused from customers The credit risk be caused from the weakness of risk management of bank Sig (1-tailed) Credit deposit The reasons causing credit risk The credit risk be caused from customers The credit risk be caused from the weakness of risk management of bank N Credit deposit The reasons causing credit risk The credit risk be caused from customers The credit risk be caused from the weakness of risk management of bank Note: *p< 05; **p< 01 and ***p < 001 The credit risk be The The credit caused from reasons risk be the weakness causing caused of risk credit from management risk customers of bank 1.000 211 136 158 211 1.000 848 841 136 848 1.000 905 158 841 905 1.000 017* 089 058 017* 000*** 000*** 089 000*** 000*** 058 000*** 000*** 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 Table 4-31 shows that from the predictors, does not show level correlation with the predicted credit deposit Among the predictor, the reasons causing credit risk, the credit risk is caused from customers and the credit risk be caused from the weakness of risk management of bank show middle level correlation which means that there may be collinearity relationship existed between them 48 Table 4-32 Model Summary for Credit Deposit Regression Adjusted R Std Error of the Model R R Square Square Estimate 228(a) 052 022 700 a Predictors: (Constant), The credit risk be caused from the weakness of risk management of bank , The reasons causing credit risk, The credit risk be caused from customers Table 4-32 shows the overall correlation coefficient between the predictors and criterion variable in this model is 228 while the regressional coefficient of determinant R Square is 052, which indicates that 5.2% of the credit deposit can be explained by the predictors The overall model of fit in Table 4-33 is shown there is not a statistically significant Table 4-33 ANOVA(b) of the Credit Deposit Model Sum of Mean Model Squares df Square F Sig Regression 2.580 860 1.757 161(a) Residual 46.980 96 489 Total 49.560 99 a Predictors: (Constant), The credit risk be caused from the weakness of risk management of bank , The reasons causing credit risk, The credit risk be caused from customers b Dependent Variable: Credit deposit Table 4-34 Coefficients(a) of Predictors for Credit Deposit Model Unstandardized Standardized Coefficients Coefficients t Sig Std B Error Beta 1.737 329 5.274 000*** (Constant) The reasons causing 436 credit risk The credit risk be caused from -.240 customers The credit risk be caused from the 075 weakness of risk management of bank a Dependent Variable: Credit deposit Note: *p< 05; **p< 01 and ***p < 001 49 265 326 1.643 104 303 -.200 -.791 431 285 065 263 793 Table 4-34 shows that does not have significant coefficient of determinant exclude Concstant term.The correlation matrix in table 4-31 also supports this result 50 Chapter5 Implications, Conclusions and Recommendations Contents of Chapter5 includes: (1) Orientation development of Agribank’ Bien Hoa branch in 2010; (2) Solutions to increase efficiency of credit risk management in Agribank’s in Bien Hoa branch; (3) Recommendations; (4) Conclusion 5.1 Orientation Development of Agribank’s Bien Hoa Branch in 2010 - Collecting capital sources from the economic factors in society, considering raising capital stably, the capital resources to satisfy the need of growing credit activity in the area - Going on to give priority the credit capital for production, export, and agricultural markets The branch must maintain the closed relationship with the successful enterprise in the different industries, especially for small and medium enterprises and export enterprises - Expanding the operation of international payments, collecting fees services, to increase slowly the ratio of collecting fees in the total income - Strengthening advertisement of the Agribank’s products and services, advertising Agribank’s brand to every area - Establishing enterprise culture, office civilization to every branch and every agent - Performing the training tasks well to upgrade professional qualification, and encouraging the staff of self study - Speeding up the quality of checking and editing inside the bank 5.2 Solutions to Increase Efficiency of Credit Risk Management in Agribank’s in Bien Hoa Branch 5.2.1 Setting up the effective credit policies Credit policies play an important role for the success of the credit risk tasks To promote credit policies efficiently, there are two basic points in the credit policies, the banks have to perform them well 51 The first, the credit policies of the bank must be performed one basic rule to offer loans for liable customers When a customer needs to borrow money, the problem here is not the credit or mortgage, the bank needs to know the finance of the client Now, the banks focus heavily on the mortgage property but forget this is the second collecting debts method When the banks know clearly this problem, they will assess the capital loan methods effectively and the capability of returning loan is the most important but not the assessing the mortgage properties The second, the credit policies must perform the idea “conservative in offering loans, strengthening the marketing tasks” The banks need to be careful with this regulation, control offering loans to customers, as well as active in marketing tasks The caution in loan decision is a thing we consider many times However, strengthening the marketing task is an important part which the banks often neglect Marketing is approaching; understand the clients clearly from the start So far, the banks have often made decision to offer loans very fast, but they are slow and passive to market the clients Not to understand clearly about the clients adding to carelessness, the risks happened as a result 5.2.2 Improve the quality of checking tasks inside the banks Internal control is considering, examining, comparison and evaluation, abiding in the activities, profession, decision, and policy … compare with authorities’ law and regulations At the credit organizations, internal control is the total system of the documents and rules for the banks; the controlling structure is installed in the professional tasks belonging to the banks system, the report information system The inside controlling structure is set up to meet the demand of checking management, operation to limit and check the risks which may rise in the professional tasks and operation in the banks If only focusing on the situation of the credit organization in a limited time, one cannot assure if this organization suffers risks or not? So applying many checking methods to bring the best results, here are some: - The agents in charge of checking each other abided the right process - At least two persons have to take part in the process, assign checking tasks, checking details - The agents must access to the documents as well as the relating persons in inside checking tasks 52 - When creating the operating strategies, one needs to consider analyzing the macro economics, the market development trend as well as international situation - Creating the encouraging and bonus policies for best agents, and penalty to cheating and breaking laws at the same time In addition, the content of checking in banks is so complicated, not creating warnings soon, and the evaluation of banks activities is still at the statistic So that the supervising results hasn’t reflected any prevention and finding difficulties in credit tasks In sum, the checking system inside is one of the main structure of the credit risks management The banks need to implement this task well to help improve the operation quality and limit the risks at the lowest rate 5.2.3 Manage and supervise the credit risk in and after loans offer Credit activities are very complicated relating to many different sectors and persons in society and containing many risks To find out, correct and handle the problems on time is an important thing to improve the credit quality To get this, the banks need to set a number of clients, the outstanding debt for credit tellers to a good job in checking in and before offering loans, building a suitable checking schedule with sorted the debts, ensuring the higher regular checking to the bad debts Checking the whole loans exceeded one standing debt permitted; checking generally to the customer group rated standard debt The branch must strengthen to supervise in order to improve the quality of checking used loans, avoiding checking carelessly in order to find out the suspicious debts 5.2.4 Building and upgrading to it system internal Besides human, the credit risk management tasks need helpful tools, the IT facility is the first to supply exact information on time as well as supported software for calculating, analyzing credit to help the banks have the right decision to offer loans and follow the loans The IT system plays an important part in the credit risks management tasks, the banks need to set up the software to run the clients, statistic, save the information to support for analyzing, and evaluating for the next loans Besides, the customers’ information, the banks need to obtain information of the customers’ business which they are doing to forecast the grow trend, the pressure of competition from rivals of the customers in order to evaluate the position, doing business ability, and the loans payment ability of them 53 5.2.5 Improve the quality of human resources Human is the central factor, the basic to find out, evaluate and limit the credit risks on time, but in the cause to make credit loss due to bad qualification and bad moral Human is an important factor to decide for success or failure to any organizations in any fields And in credit activity, human is more important because they decide the quality, credit safety, service and the brand of the commercial bank The banks need to pay more attention to the human resources, see the employees as the decisive factors in building and operating credit risk structure such as: The branch must improve the human resources to have more experiences as well as active ability in their tasks Guiding, training them about professional knowledge, the level of evaluating enterprises and their projects, marketing tasks, selling skills, negotiating contracts, and self culture These programs need to be offer every month, every quarter for them to exchange experiences between the managing boards and their staff 5.2.6 Building risk managing culture The banks need to unify all ideas and awareness of all members to build risk managing culture In content, risk managing culture requires to find out new risks, measures and have solutions to prevent or limit the risks Every member takes part in the process must be responsible for his/her tasks to the system to find out and act on time to prevent possible risks Building risk managing culture needs time and high alert So that, every staff, especially senior staff needs to be a good model and serious in building and implementing risk managing culture to become a good “habit” in thinking and action 5.2.7 Consider environmental factors in terms of loans People on earth are calling “the green revolution” to protect environment, and Vietnam is an active nation to support this From Vedan, TungKuang scandals…., Vietnamese consumers haven’t bought their products The production activities of these companies face difficulties and of compensate a bit sum of money The banks which offered loans to Vedan and TungKuang are in difficult time to recollect the capital now To say that, environment is the important factors when a bank must consider when offering loans For this reason, the banks must consider the relation between the loans and environment in every aspect to avoid risks such as: 54 The impact is between environmental factor and borrowing loans projects Is it agreed in the cost of the project? If yes, is it sure to guarantee income and profits of the project? How is the relationship between environment and mortgage property? From this, the branch must to define the effect of environment to mortgage property and the fees to protect the environment Do the banks’ debtors implement to protect environment well? Especially when the debtors operate in many fields, not relating directly to borrowing loans projects The banks need to consider the debtors who plan the protect environment methods in these business fields This consideration will affect to the enterprises’ financial situation and the ability to pay loans on time 5.3 Recommendations 5.3.1 The recommendations to Agribank Vietnam 5.3.1.1 Synchronization in issue policies and rules for banks Presently, there are too many rules relating to credit activities, so Agribank needs to issue documents suitable for reality, limit to correct or change regularly Due to adjusting the rules continuously, all the bank branches and agents in credit fields are difficult to learn the whole policies, rules of the banks leading to making mistakes to cause loss for the banks The complication of the policies and rules for banks cause hard for the credit tasks as well as the checking process in order to prevent risks 5.3.1.2 Establishing a rank system of high automatic internal credit According to 493 decisions, the credit organization must set up a rank system of internal credit Now, Agribank Vietnam not only sets up a rank system of internal credit but also a rank system of high automatic internal credit, to make a foundation for automatic decision for loans (apply for small loans) because: The first, automate the checking process to limit risks by wrong evaluation (because of credit tellers deal with heavy information) or bias The second automate to evaluate clients to shorten time and fees for the credit process (necessary for the branches to offer loans to individual or small and medium enterprises) Now, the evaluating tasks offering loans to individual of the branches is the same as loans to enterprises In the near future, when the offering loan to individual is developing, the manual process in the offering loans decision today will 55 limit the credit service of the banks This means that Agribank Vietnam must consider setting up a rank system for trusted clients automatically to help the banks base on the results to offer loans without any manual process The banks must know that the evaluating system, trust ranking internal is not the protective tools but the tools which the branch can use to expand business areas 5.3.2 Recommendations to state banks Before issuing the documents guiding all activities for commercial banks, the State banks need to explore the banks’ actions Besides that, the state banks must respect, listen and consider the ideas from commercial banks to add and correct on time to bring higher effectiveness 5.3.2.1 Improve the quality of credit information center (CIC) The Vietnamese state banks need to issue documents to enforce credit organizations and enterprises relating to credit, supplying information for CIC, rules for sanction when credit organizations provide wrong information or out of date When false information is found, commercial banks must pay a fine as well as compensate for other commercial banks by using entrusted information The state banks need to create a bonus system for well implemented commercial banks in credit information rules to encourage the commercial banks to upgrade information quality The CIC should regulate to standardize inputted information for the commercial banks adjust the software to collect information automatically, not providing information to the CIC by sending files causing waste time The state banks need to renew, modernize the equipment, set up a system to collect credit information on time Besides the state banks need to recruit and train the staff in CIC website management, the agents must have information skills as well as collects analyze and give comments to warn instead of the statistic numbers 5.3.2.2 Building analyzing and ranking enterprise system for the whole sectors By marking credit and ranking clients, commercial banks have the base to offer loans, determine term, interests rate, method of guarantee loans, and the tools to supervise and evaluate the clients when outstanding debts in credit, and they can forecast bad signals to act on time From the issue of 493, the commercial banks are setting up the credit ranking systems for them However, this is the internal effort in each commercial bank but not the whole sector or even a group of commercial banks 56 Presently, evaluating credit and ranking clients in commercial banks are quite different such as the industrial commercial bank at the 10th, the investment and development bank at the 7th, the agricultural and rural development at the 10th This information is served for the internal credit activities in each commercial bank, but it is a waste when the customers want to credit with certain commercial banks for the first time, this bank must collect information from the beginning Hence, the not unified ranking cause’s barrier for the commercial banks to review credit information ranking for a customer among the banks So that, the state banks need to suggest some basic ideas to evaluate and rank customers to unify the customer ranking results in the whole sectors to help commercial banks review the specific results from other commercial banks, in the other hand, when the CIC collects information to evaluate the credit of a firm from the commercial banks built at the one model, this will be easy for collecting results and providing information to other commercial banks to look at 5.3.2.3 Strict rules to the debtors in many banks As present, many firms borrowed loans from many credit organizations in the same areas, for example one firm holds a contract to borrow from the two banks or exchanging debts by borrowing loans from this bank to pay loans back to another bank which cause difficulty for the capital managing tasks Meanwhile, the exchanging information among the credit organizations is not good, the credit organizations often keep secret, not supply information, in some cases, one customer faces difficulty, suffers outstanding debts from this credit organization but that one still offers loans to that customer, so it is easy to be risk for the banks activities So that, the state banks need to handle strictly if any firms take advantage of borrowing loans from many banks to exchange debts and to cause difficulty for the banks, if any firms are found to cause this problem, the credit organizations need to know supplying credit in limitation At the monthly meeting among the state banks branches and the commercial banks in the same areas, the state banks must inform to the credit organizations that the conditions of the enterprises borrowing loans from many credit organizations in order to exchange information and forecast any bad indication firms and the credit organizations work together to run capital effectively 57 5.3.3 Recommendation to the state 5.3.3.1 Creating economic environment stably The economic environment is stable or not, it affects strongly to the firms as well as the credit organizations In recent time, the cost of steel and petrol increasing has made many companies increase expenses, and affected to enterprises profits, leading to the difficulty in paying loans ability Besides that, the changing policies from the state are also affecting strongly to the production activities of the firms and the banks Doing in business in the market economy, the legal laws are decisive, so any changes from the state departments cause loss for the firms’ profits The state should improve the forecasting tasks and building macro plans for the enterprises adjust their business plans The policies systems must be unified, not contradict each other, and create the useful impact The policies need to be fresh and clear for firms to implement easily 5.3.3.2 Creating a favorable legal environment In the process of handling “not paying debt” to speed up equitization and global economic integration, the Vietnamese commercial banks as well as Agribank in Bien Hoa city face many difficulties such as the laws, documents relating to dealing with debts are not clear enough so the banks themselves cannot handle the guaranteed properties to get their loans back Moreover, there are not specific documents mentioning about the banks could manage directly or recover businesses’ activities to run business or sell To nod a green light for commercial banks in the process of handling properties to get loans back and freshening financial situations, the government needs to improve law documents soon 5.3.3.3 Editing rules for firms and supervise new –founder firms strictly Presently, the financial reports made by business haven’t edited yet and many firms even use the two book – keeping systems at the same time to report to tax departments to get loans from the banks which cause hard for the banks to check and evaluate the clients’ financial situations To ensure having the real data, the state needs to issue sanction rules to cheating firms through firms’ financial reports The state needs to add about postediting rules for new-founded firms From the issues of the state laws came into effect, many registered to businesses The state laws firms have helped to improve the economic development process However, many new cheating founded firms 58 created “virtual” contracts to get loans from the banks sold financial invoices for other firms to legalized to use loans The government also needs to add rules for the firms which operated legally after months getting business operation licenses, the relating competent agencies must check the operations of these firms with registered financial situation From this, the banks can avoid many risks and retrieve their loans 5.3.3.4 Speeding up the process of state firms order Since many states firms have done business fruitlessly resulting to their big outstanding debts, this affect the banks financial situation heavily The operation of commercial banks system has mirrored the firms operations The commercial banks, especially the state-owned commercial banks cannot freshen up their financial situations of their partners firms have made a loss year by year Now, the firms haven’t found the right way yet, so the push of equitization is necessary The state should keep many important firms in vital fields such as petrol, electricity, coal and post-telecom operate In the case of many enterprises haven’t capitalized themselves The government should issue strong measures to stop these firm’s operations 5.3.3.5 Making easy for the financial free bank organizations to participate in In recent year, the commercial banks are still the channels to provide capital for the nation company, the capital here is mainly short-term mobilized one In the future, the demand of medium and long term capital is very high, a series of big projects in electricity, cement, petrol, transportation fields are started which causes a high pressure on the banks more even than before Therefore, the state needs to issue the legal law corridor to attract the participation of many financial free-bank organizations on the market and encourage those organizations to take part in the financial market The government has to facilitate for the stock markets in the country to operate fruitfully, so these stock markets can become the capital mobilized channels for the national economic growth and then the commercial banks system can suffer less from the pressure of providing capital 59 5.4 Conclusion The risks in credit activities are indispensable and diverse The fact is that how we face with these problems in order to have solutions to prevent or limit the loss caused by these risks In the current economics’ context, although the risks belong to the past, the present or the future, the first priority of commercial banks, in general and of Agribank’s branches in Bien Hoa city in specific is to improve the quality of credit risk management tasks Based on the basic structure of credit risks and credits management, the causes 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http://www.vinacorp.vn/news/thu-hep-tin-dungca-nhan/ct-362519 62 ... weakness of risk management of bank (1) 938 The credit risk be caused from the weakness of risk management of bank (2) 912 The credit risk be caused from the weakness of risk management of bank... to SPSS theory, for the group of causes of the reasons causing credit risk, the credit risk is caused from customers and the credit risk be caused from the weakness of risk management of bank... causes of credit risk among the size of credit deposit Table 4-10 ONE – WAY ANOVA – Descriptives of the Group of Causes among the Size of Credit Deposit N The reasons causing credit risk The credit