Khóa luận tốt nghiệp: Rủi ro tín dụng tại Ngân hàng thương mại cổ phần Ngoại Thương Việt Nam – Chi nhánh Hồ Chí Minh

Đề tài nghiên cứu cần thực hiện được các mục tiêu cụ thể sau đây: Phân tích, đánh giá và làm rõ thực trạng RRTD tại Vietcombank Chi nhánh Hồ Chí Minh từ đó tìm ra các hạn chế và nguyên nhân; đưa ra một số giải pháp nhằm hạn chế RRTD tại Vietcombank Chi nhánh TP. Hồ Chí Minh.
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Khóa luận tốt nghiệp: Rủi ro tín dụng tại Ngân hàng thương mại cổ phần Ngoại Thương Việt Nam – Chi nhánh Hồ Chí MinhNGÂN HÀNG NHÀ NƢỚC VIỆT NAM BỘ GIÁO DỤC VÀ ĐÀO TẠO TRƢỜNG ĐẠI HỌC NGÂN HÀNG THÀNH PHỐ HỒ CHÍ MINH TÔN NỮ KHÁNH NHÂN RỦI RO TÍN DỤNG TẠI NGÂN HÀNG THƢƠNG MẠI CỔ PHẦN NGOẠI THƢƠNG VIỆT NAM – CHI NHÁNH HỒ CHÍ MINH KHÓA LUẬN TỐT NGHIỆP CHUYÊN NGÀNH TÀI CHÍNH - NGÂN HÀNG MÃ SỐ: 7340201 TP. HỒ CHÍ MINH, NĂM 2018NGÂN HÀNG NHÀ NƢỚC VIỆT NAM BỘ GIÁO DỤC VÀ ĐÀO TẠO TRƢỜNG ĐẠI HỌC NGÂN HÀNG THÀNH PHỐ HỒ CHÍ MINH TÔN NỮ KHÁNH NHÂN RỦI RO TÍN DỤNG TẠI NGÂN HÀNG THƢƠNG MẠI CỔ PHẦN NGOẠI THƢƠNG VIỆT NAM – CHI NHÁNH HỒ CHÍ MINH KHÓA LUẬN TỐT NGHIỆP CHUYÊN NGÀNH TÀI CHÍNH - NGÂN HÀNG MÃ SỐ: 7340201 NGƢỜI HƢỚNG DẪN KHOA HỌC THS. NGUYỄN ĐOÀN CHÂU TRINH TP. HỒ CHÍ MINH, NĂM 2018 i ABSTRACT 1. Reason to choose subject: Currently for the commercial banks, credit operations are basic operations,the main income for the bank. Commercial Bank shares for Foreign Trade ofVietnam (Vietcombank) as well as other commercial banks are facing thechallenges of competition and international integration, increasingly demandingmore rigorous standards for safety, healthy financial and operating capacity and riskmanagement. Thus the building and improving the system of risk preventioneffective in the bank for operations in general and for the credit operations inparticular is an urgent requirement and important, to ensure effective economicprocesses and development activities of a commercial bank. Banking activities always contain risks, particularly frequently are creditrisk. In order to have a stable growth, it is necessary to strengthen control overcredit quality and help reduce the loan loss provisions, which affect the businessperformance of the entire bank. Therefore, the proposed measures to limit creditrisk is top concern at Vietcombank. Stemming from this situation, the thesis tries to identify and codify thecurrent credit risk type Vietcombank - Ho Chi Minh Brand; analyze and clarify theadvantages and activities exist in credit risk management; apply the theoretical basisand experience in international risk management. Since then, the proposed measureswill improve and enhance the operational efficiency of credit risk management inparticular and business in general at Vietcombank. Vietcombank whether operating under the commercial bank model but thestate capital remained dominant proportion. Thus, loans of state enterprises stillhigh proportion. Most state enterprises inefficient business. The expansion oflending structure to limited company joint-stock companies, enterprises, foreigninvestment potential risk related to business management capacity, business ethics.On the other hand, in the development strategy of Vietcombank HCM upcoming ii period is to expand retail lending and actively develop a network operations, open more trading rooms. Thereby, we can see the business activities of Vietcombank are developed; however, the credit activities of banks also exist a variety of risks and challenges, the measurement, evaluation and control RRTD at Vietcombank HCM much longer exist, not tight, not timely renewed international standards. Therefore, the study of the current situation so that credit risk given the precautions and limitations RRTD is essential. Comes from the fact that I have chosen the theme:Credit risk in the Joint Stock Commercial Bank for Foreign Trade of Vietnam - Ho Chi Minh City Branch to understand the status, causes and offering appropriate solutions to improve operational efficiency and control credit risk to banks. 2. Objectives of the study Research projects should fulfill the following specific objectives: - Analyze, evaluate and clarify the status RRTD at Vietcombank HCM Branch then find out the restrictions and cause. - Launched a number of measures aimed at limiting RRTD City Branch of Vietcombank. Ho Chi Minh. 3. Research object Credit risk at the Joint Stock Commercial Bank for Foreign Trade of Vietnam - Ho Chi Minh City Branch. 4. Research scope - Audience research: RRTD at Vietcombank - Branch in Ho Chi Minh. - Research scope : Content: credit risk in banks Spatial: Vietcombank - Branch in Ho Chi Minh About time: Period 2013 - 2017 iii 5. Research Methods Thesis using the method of qualitative research: authors performed collecti ...