/ He thong Y j tinh diem j
3.4.2Hu-ong nghien ciru tiep theo
o Vietcmbank chua c m hinh lung ha rui r va viec xac dinh muc ch vay ti da, tdi u-u di vi khach hang cn nhieu bat cap
3.4.2Hu-ong nghien ciru tiep theo
Nhirng van de dugc neu trong Luan van da ggi md tdi hudng nghien cim rit rong trong quan tri nii ro tin dung. Mot sd hudng ma tac gia cd the dat muc tieu nghien cuu tilp theo la:
- Cac cdng cu do ludng rui ro tin dung theo chuan myc qudc te cd the ap dung vao thyc tien boat ddng kinh doanh tin dung tai cac NHTM Viet Nam.
- Cac bien phap quan tri nham phdng ngira va ban che rui ro tin dung. - Quan tri danh myc tai san bao dam tien vay tai cac NHTM Viet Nam...
Tom tit Chuong 3:
Tren ca sd cac phan tich, danh gia thyc trang ve cdng tac quan tri riii ro tin dung tai Vietcombank hien nay. Chucmg 3 da de xuat cac kien nghi vdi Vietcombank, NHNN va Nha nude nhirng ndi dung ve luat, chinh sach, each thirc thyc hien nham nang cao chat lugng cdng tac quan tri riii ro tin dung tai Vietcombank. Ddng thdi ciing chi ra cac ban chi cua luan van va hudng nghien cim tiep theo.
KET LUAN
Hieu qua kinh doanh ciia NHTM tuy thudc vao nang lye quan tri riii ro, dac biet la quan tri nii ro tin dung. Vi khoan muc cho vay ludn chilm ty trgng tir 50%-70% trong gia tri
tdng tai san va tao ra tir Vi din VA nguon thu cua NHTM. Do dd, cac NHTM ndi chung,
Vietcombank ndi rieng diu phai quan tam dac biet din viec nang cao chit lugng quan trj nii ro tin dung.
Luan van vdi de tai "Quan tri rui ro tin dung tai Ngan hang Ngoai thuang Viet Nam^' da hoan thanh dugc mot sd ndi dung chu ylu:
1.- He thdng boa dugc nhirng van de ly luan ve tin dung, rui ro tin dung va quan tri rui ro tin dung trong boat ddng kinh doanh ciia NHTM.
2.- Phan tich, danh gia thyc trang cdng tac quan tri nii ro tin dung tai Vietcombank. 3.- De xuat mot sd kien nghi ve quan tri nii ro tin dung tai Vietcombank.
Mac dii da cd nhieu cd gang de dat dugc cac ket qua nhu da trinh bay, song do trinh do ciia tac gia va thdi gian cd ban, them nira van de quan tri rui ro tin dung la mot van de nghien cim rit rgng va dugc cap nhat kien thirc thudng xuyen, nen chac chan Luan van khdng tranh khdi nhiing ban chi va thilu sdt. Do vay, tac gia chan thanh mong nhan dugc cac y kiln ddng gdp cua nhirng ngudi quan tam de Luan van dugc hoan thien them.