| Summary: | 碩士 === 樹德科技大學 === 金融與風險管理系碩士班 === 99 === Today is the era of high growth of economy, including society, open markets and the development of economic relations and international trade. This condition is favorable for the production and business activities in general and in particular commercial banks. However, the risks level implicit in the modern economy is tied to the opportunities and challenges that economic integration brings.
For Bank operations and activities in the field of currency trading, credit has closely tied with customers and the organic economy through the implementation of business services activities provided by banks such as raising capital, lending, payment services and other activities. The main reason that the risks to banking activities are diverse, and potentially appear associated with each service activities and the impact are varying degrees, including credit risk. If credit risks happen, there should be enormous impacts and influence directly the survival and development of every credit institution. Higher the impact on the entire banking system is found.
Because the traditional credit service activities are still and will continue to be major source of incomes for banks So this thesis discusses theoretical basis for credits in the market economy, including concepts, types of credit, factors that cause credit risks. This thesis also studies in depth of credit activities and current procedure of credit risks management at Agribank HCMC Branch. The objective is to help the bank managers and workers aware of credit depth and gain experience to predict what might happen of credit risks on customer transactions, so they can easily recognize the signs of risk which may occur at their work.
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