Research On Credit Risk Management Of Banks In Viet Nam

In recent years. Our Vietnam country’s economic rapid development。With the development of the world economy, with the informatization development of financial globalization, and liberalization of the world, Viet Nam economic trends step by step strengthened. Viet Nam economic industrialization modernization process continues to accelerate. The financial sector of Viet Nam is no exception, gradually development set up a variety of banks, financial institutions and credit organizations.Since 2007,Viet Nam joined the World Trade Organization (WTO), the acceleration of financial globalization, Viet Nam Bank also gained rapid development. But globalization also brings risks. Viet Nam bank credit risks not only bring about damage or get Viet Nam bank failures, especially led to the financial crisis, the economic crisis. And now from Viet Nam bank credit risk management point of view, Viet Nam Bank risks management is not very good. High rate of bad debts in the banking system, higher than the international warning line. Since then, through its resources under the supervisor of instructors on the basis of Viet Nam. Research.,analyzes the present situation of Vietnam bank credit risk; and concentration research the Vietnam in the process of bank credit default risk. Default risk in the main factors appear when borrowers and lender information asymmetry of both sides. Asymmetric information respectively two kinds of adverse selection and moral hazard problems This thesis analyzes the current Viet Nam credit risk in banking system; credit risk management of the banking system status and its credit management and make recommendations to improve Viet Nam bank credit risk can be improved.In this paper, structure is divided into six chapters.The first chapter is introduction, combing the domestic and foreign literature and ideas;Form the thesis research framework;The research background, methods and institutional arrangement and the shortage of the paper.The second chapter mainly introduces the meaning of bank credit risk management, causes;Relevant theory to illustrate.The third chapter of this thesis analysis the Vietnam bank credit risk, credit risk caused by information asymmetry bank in Vietnam, causes and categories of credit risk.The fourth chapter analysis application in Vietnam Vietnam bank credit risk management model, Vietnam bank credit risk management problems and influencing factors.The fifth chapter presents some bank credit risk management experience of developed countries, Vietnam learn the experience of the banking system and perfecting the bank credit risk management of specific measures.Finally the sixth chapter is summary paper.