THE EFFECT OF CREDIT APPRAISAL ON LOAN PERFORMANCE OF VIETNAMESE COMMERCIAL BANKS=THE EFFECT OF CREDIT APPRAISAL ON LOAN PERFORMANCE OF VIETNAMESE COMMERCIAL BANKS

0 Người đánh giá. Xếp hạng trung bình 0

Tác giả: Phuoc Ven Luu, Dang Khoa Nguyen

Ngôn ngữ: eng

Ký hiệu phân loại:

Thông tin xuất bản: Tạp chí Khoa học Đại học Công Thương (Tên cũ: Tạp chí Khoa học Công nghệ và Thực phẩm), 2024

Mô tả vật lý: tr.147

Bộ sưu tập: Metadata

ID: 479869

Thêm vào giỏ

Credit appraisal plays a very important role in reducing bad debts and increasing the efficiency of banks' lending activities, but there are very few studies on this content in Vietnam. This study aims to evaluate the influence of credit appraisal on the loan performance of Vietnamese commercial banks, specifically, the authors assess the influence of the borrower's personality, ability to repay, the purpose of using the loan, and collateral for loan performance. The data was done by interviewing employees of 30 joint stock commercial banks in An Giang province, with 198 satisfactory questionnaires, coded, using SPSS software. Regression analysis showed that there was a significant positive relationship between credit appraisal factors and loan efficiency at the 95% confidence level and concluded that the customer's ability to repay debt affects loan performance. The study recommends that before loan approvals, factors related to loan repayment ability should be carefully considered to improve customer lending efficiency.Thẩm định tín dụng có vai trò rất quan trọng trong việc giảm thiểu nợ xấu và nâng cao hiệu quả hoạt động cho vay của ngân hàng, tuy nhiên ở Việt Nam còn rất ít nghiên cứu về nội dung này. Nghiên cứu này nhằm đánh giá sự ảnh hưởng của thẩm định tín dụng đối với hiệu quả cho vay của ngân hàng thương mại Việt Nam, cụ thể nhóm tác giả thẩm định ảnh hưởng của tính cách người vay, khả năng thanh toán, việc sử dụng vốn vay và tài sản bảo đảm đối với hiệu quả cho vay. Dữ liệu được thực hiện bằng cách phỏng vấn nhân viên của 30 ngân hàng thương mại cổ phần trên địa bàn tỉnh An Giang, có 198 bảng câu hỏi đạt yêu cầu, mã hóa và xử lý bằng phần mềm SPSS 20.0. Kết quả nghiên cứu cho thấy có mối quan hệ đồng biến đáng kể giữa các yếu tố thẩm định tín dụng và hiệu quả cho vay ở mức độ tin cậy 95% và kết luận là yếu tố khả năng hoàn trả nợ của khách hàng có ảnh hưởng đối với hiệu quả cho vay. Nghiên cứu khuyến nghị rằng trước khi các phê duyệt các khoản vay, cần xem xét thật kỹ các yếu tố liên quan đến khả năng hoàn trả nợ vay nhằm nâng cao hiệu quả cho vay khách hàng.

1. Đọc trực tuyến

1. Đọc trực tuyến

Tạo bộ sưu tập với mã QR