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Sau khi xii ly mot lugng Idn ng tdn dgng, ty le ng qua ban hien tai cua Vietcombank din 31/12/2006 chi cdn 1,70%), day la mot con sd rat thap. Mac dii chat lugng tin dung tang len rat nhieu. Nhung thuc sir danh muc cho vay hien tai dang tiem an nhiing nguy ca nii ro cao.
Tin dung trong thdi gian nam 2003 tang tnrdng nhanh, nam 2004, 2005 va nam 2006 da tang trudng cham dan lai, nhung du ng cho vay trung, dai ban chiem ty le cao trong tdng dung. Tin dung tap trung nhilu cho cac DNNN, tai 31/12/2006 chiem ty trong 45,4%, va cdn cd xu hudng tang trong nam 2007.
Thir nhit, kha nang tra ng, dac biet cua cac du an trung, dai han se cd the thay ddi rat nhilu khi chu ky kinh tl din giai doan tang trudng cham lai.
Thir hai, tin dung tnmg, dai han tang tnrdng rit nhanh, tap trung vao cac du an vdi quy md rit Idn, phirc tap ma viec thim dinh ddi hdi trinh do chuyen mdn cao, theo cac tieu chuan thi tmdng thuc sir, vugt qua nang lire, kinh nghiem, kha nang giam sat cua cac can bd tin dung.
Thii ba, rat nhieu cac khoan vay cho cac du an trung, dai ban (thdi ban tham chi din ban 10 nam) lai dugc thuc hien bing ngoai te ma khdng xem xet diy du din nii ro lai suit, riii ro ty gia hay tac ddng cua viec pha bd cac hang rao thul quan, phi thul quan khi Viet Nam gia nhap AFTA, WTO va nguyen lieu diu vao ciia cac du an dd la phai nhap khiu... Mot sd Chi nhanh cd bilu hien kha de dai trong cho vay, khdng chip hanh diy dii quy trinh, quy che cho vay, gia ban ng sai quy dinh. Cac khoan vay dugc ca ciu khdng phii hgp vdi tinh chat ciia phuang an vay, ke hoach tra ng khdng can cir ddng tiln cua du an, phuong an san xuat kinh doanh.