Solutions for expanding consumer credit at Sai Gon Joint Stock Commercial Bank - Dong Nai Branch, 2022

THE STATE BANK OF VIET NAM MINISTRY OF EDUCATION & TRAINING

BANKING UNIVERSITY OF HO CHI MINH CITY

---------------------------------------------

THAI ANH TUAN - 050606180346

GRADUATION THESIS

MAJOR : FINACE - BANKING

CODE: 7340201

SOLUTIONS FOR EXPANDING CONSUMER CREDIT AT

SAI GON JOINT STOCK COMMERCIAL BANK – DONG

NAI BRANCH

ACADEMIC ADVISOR

DUONG THI THUY AN, PHD.

Ho Chi Minh City, June 2022

THE STATE BANK OF VIET NAM MINISTRY OF EDUCATION &

TRAINING

BANKING UNIVERSITY OF HO CHI MINH CITY

---------------------------------------------

THAI ANH TUAN - 050606180346

GRADUATION THESIS

MAJOR : FINACE - BANKING

CODE: 7340201

SOLUTIONS FOR EXPANDING CONSUMER CREDIT AT

SAI GON JOINT STOCK COMMERCIAL BANK – DONG

NAI BRANCH

ACADEMIC ADVISOR

DUONG THI THUY AN, PHD.

Ho Chi Minh City, June 2022

I

DECLARATION

I honestly declare that this graduation thesis entitled “Solutions for expanding

consumer credit at Sai Gon Joint Stock Commercial Bank – Dong Nai branch” is the

final result of my original research work under the guidance of PhD. Duong Thi Thuy

An, my academic advisor.

The data in this thesis are used from legitimate and reliable sources from Saigon

Joint Stock Commercial Bank - Dong Nai branch. All citations in this thesis are

indicated in the reference and in the body of the report. I will take full responsibility for

the authenticity of the thesis.

Ho Chi Minh City, June 2022

Thai Anh Tuan

II

ACKNOWLEDGEMENT

Reality shows that in order to be successful at work, it is necessary to have the

support and help of those around whether it is a little or a lot. During the time since the

graduation thesis proposal started, I have received the attention, guidance and help of

teachers, family and friends around.

With extremely deep gratitude, I would like to express my sincere gratitude to the

teachers of Banking University for using knowledge and enthusiasm to be able to

convey to me the most valuable knowledge. Besides, I would like to thank the staff at

Saigon Joint Stock Commercial Bank - Dong Nai Branch for supporting me with

knowledges and data. Therefore, I can complete this gratuation thesis.

In particular, I would like to thank Ms. Duong Thi Thuy An for her dedication

and guidance through each talk and discussion on the research topic. Those instructions

and teachings helped my thesis outline has been remarkably completed. Once again, I

would like to send my sincere thanks to my teacher.

This thesis was conducted in 10 weeks and my knowledge was limited.

Therefore, I couldn't avoid my mistakes. Thereby, I look forward to receiving

comments from teachers in the school to help my graduation thesis become more and

more perfect.

Thank you!

III

LIST OF ABBREVIATIONSS

ABBREVIATIONS DEFINITION

GDP Gross Domestic Product

NPL Non-Performing loan

SCB Sai Gon Joint Stock Commercial Bank

VND Vietnam Dong

SBV State Bank Of Vietnam

etc. Et Cetera

IV

ABSTRACT

The commercial banking system is an important factor and take on many roles,

affecting greatly the financial system and the economy of a country. A country with an

efficient banking system will contribute significantly to the prosperity of the country.

Currently, with the fierce competition among banks and the increasing demand from

customers, banks are expanding their operation scale as well as increasing products and

services for individuals and businesses. In which, credit activities are still the leading

portfolio and account for a large proportion of the annual revenue for commercial

banks in Vietnam. Therefore, improving both quantity and quality of credit is always

an important and necessary thing in credit management.

In recent years, with the fast increase in prices of real estate products. Many

people see this as an opportunity to change their lives through this real estate

investment channel. The predictable result is that the need to borrow money to buy real

estate which tends to increase massively and lose control. This thing will cause many

consequences for the economy. With moves that tighten real estate loans of SBV,

banks will turn to expand in more consumer loans. That is the reason that I choose the

topic "Solutions for expanding consumer credit at Sai Gon Joint Stock Comercial bank

- Dong Nai branch" to research the reality of consumer credit and solutions to improve

both in terms of quality and quantity of consumer credit.

The content of the thesis is limited to SCB Dong Nai's consumer credit research

from 2017 to 2021 and exclude other credit activities. The data provided by SCB Dong

Nai to the author to serve the writing process. With the method of research is

investigation methods, analytical methods, synthesis, statistics and comparison. In

addition, the thesis also uses the bank's data sheet to calculate and achieve the goal of

expanding consumer credit at Saigon Joint Stock Commercial Bank - Dong Nai

Branch. The author has reviewed and studied the current situation of consumer lending