THE UNIVERSITY OF DANANG

UNIVERSITY OF ECONOMICS

FINAL REPORT
STUDENTS SCIENTIFIC RESEARCH

CREDIT RISK MANAGEMENT: IMPLICATIONS

ON BANK PERFORMANCE AND LENDING
GROWTH IN THE VIETNAM BANK

Student: 1. Vo Hong Phuc. Class: 42K7.2

2. Le Thi Hong Phuong 42K7.2

Supervisor: Dr. Phan Dang My Phuong

Da Nang, 28 May 2020

 THE UNIVERSITY OF DANANG
UNIVERSITY OF ECONOMICS

FINAL REPORT
STUDENT SCIENTIFIC RESEARCH

CREDIT RISK MANAGEMENT: IMPLICATIONS

ON BANK PERFORMANCE AND LENDING
GROWTH IN THE VIETNAM BANK

Scientific field: BANKING

Principle Author: Vo Hong Phuc Male, female: Male

Class, Falcuty: 42K7.2 Year: 4 /Course duration: 4 years
Ethnic group: Kinh
Major: Banking
Author: Le Thi Hong Phuong Male, female: Female
Class, Falcuty: 42K7.2 Year: 4 /Course duration: 4 years
Ethnic group: Kinh
Major: Banking

Supervisor: Dr. Phan Dang My Phuong

Da Nang, 28 May 2020

THE UNIVERSITY OF DANANG
UNIVERSITY OF ECONOMICS

INFORMATION OF RESEARCH RESULTS

1. General information:
-Topic title: CREDIT RISK MANAGEMENT: IMPLICATIONS ON BANK PERFOR-
MANCE AND LENDING GROWTH IN THE VIETNAM BANK
- Student: Vo Hong Phuc and Le Thi Hong Phuong.
- Class: 42K7.2 Faculty: Banking Year: 4 Course duration: 4 years
- Supervisor: Dr. Phan Dang My Phuong
2. Research objects:
Topic studies theoretical issues related to credit risk management for banking operations
and loan growth.
3. Novelty and creativity:
Credit risk can occur at any time in the business activities of commercial banks in Viet-
nam. Therefore the study of credit risk management is necessary. Although not creating a
new theory, the author has compiled updated data sources until 2019 to provide an addi-
tional empirical evidence confirming the implications on bank performance and lending
growth in the Viet Nam bank.
4. Research results:
The study results showed that sound credit management strategies can boost investors
and savers confidence in banks and lead to a growth in funds for loans and advancing
which leads to increased bank profitability while non-performing loans were also posi-
tively related to lending growth.

5. Contributions to the socio-economic, education and training, security, defense and

applicability of the research:

6. Scientific publication of students from research results of the topic (specify the
journal name if any) or comments and assessments of the institution that applied the re-
search results (if any):

27 May, 2020
Student (principal author)
(sign, full name)
Comment of the supervisor on the scientific contributions of students who conduct
the research:

27 May, 2020

Ratification of Faculty of Banking Supervisor

THE UNIVERSITY OF DANANG
UNIVERSITY OF ECONOMICS

INFORMATION OF PRINCIPAL AUTHOR

I. Student profile :
Ảnh 4x6
Full name: Vo Hong Phuc
Date of birth: 17/09/1998
Birth place: Da Nang
Class: 42K07.2 Faculty: Banking
Address: 71 Ngu Hanh Son, Da Nang
Phone: 0376040234 Email: phucvh42@due.edu.vn

II. STUDY PROCESS (list the achievements of students from the 1st year until now):
* 1st year:
Major: Banking Faculty: Banking
Academic classification:
Summary of achievements:
* 2nd year:
Major: Banking Faculty: Banking
Academic classification:
Summary of achievements:
* 3rd year:
Major: Banking Faculty: Banking
Academic classification:
Summary of achievements:
* 4th year:
Major: Banking Faculty: Banking
Academic classification:
Summary of achievements:

27 May, 2020