Credit quality is a relative concept and a great category as well. It is a general signal expressing the legal improvement level in economic management in general, and in bank management in particular. It also shows strengths and weaknesses in bank management. Credit quality is not only the bank administers' concern but the whole society's as well. The Bank of Investment and Development of Viet Nam, Thai Nguyen Branch (BIDV Thai Nguyen) is one of the top commercial banks in Thai Nguyen province. The credit quality of BIDV Thai Nguyen, like any other commercial banks, depends on many factors, such as economic, legal, social and natural environments: clients and the bank by itself. Bank administers, hence, must take much consideration on these factors to find out suitable solutions to enhance the credit quality for their banks.