Loan quality is an important indicator of credit growth in addition to evaluating the sustainability of a bank, especially for small and medium-sized enterprises loans (SMEs) - an important factor and accounts the majority of businesses across the country. However, with the volatility of the economy, the quality of banks lending to SMEs also less affected causing bad debt problems become difficult problem which requires all banks to join forces together to find answer. And VP Bank Thai Nguyen is also in that treadmill. Over the years, the expansion of credit to SMEs has brought to the positive results for the branch, but besides that, the quality of loans of branch is still at an alarming rate makes it a problem the urgent need to address in the current period.