Risk management in commercial banks of Vietnam

Risk management

Risk management in commercial banks of Vietnam

 

 

LUẬN VĂN THẠC SĨ QUẢN TRỊ KINH DOANH

 

TABLE OF CONTENTS

Abstract i
Acknowledgements iii
Table of contents…………………………………………………………………….iv INTRODUCTION 1
1. NECESSITY OF THE THESIS 1
2. OBJECTIVE OF THE RESEARCH 1
3. KEY RESEARCH AREA 2
4. METHODOLOGY 2
5. CONTRIBUTIONS OF THE THESIS 2
6. THESIS STRUCTURE 2
Chapter 1: Literature review 3
1.1. Commercial Bank and the main risks in the bank operations 3
1.1.1. Commercial Bank and the main risks 3
1.1.1.1. Concept 3
1.1.1.2. Functions 3
1.1.1.3. Main professional competences 4
1.1.2. Main risks in operations 5
1.1.3. Risk measurable indexes 8
1.2. Risk management  10
1.2.2. Tools of risk management 11
1.2.2.1. Group tools limited credit risk 11
1.2.2.2. Group tools sponsored risk 16
1.2.2.3. Group tools prevented other risks 17
1.2.3. Factors impact risk management 18
1.3. Experiences in risk management of Foreign Banks 19
1.3.1. Model assessed credit risk 19
1.3.2. Model determined interest rate risk 21
1.3.3. Model reassessed 22

Chapter 2: Methodology, research paradigms, analysis 23

2.1. Status quo risk 23
2.1.1. Background of Commercial banks in Vietnam at present 23
2.2. Status quo risk management of commercial banks 24
2.2.1. Status quo of credit risk 24

2.2.2. Status quo of foreign exchange risk 27
2.3. Risk management policy of commercial banks (period 2005-2010) 29

Chapter 3: Recommendation and conclusion 33

3.1. Improving risk management  33
3.1.1. Group of risk management solutions 33
3.1.1.1. Customers selection by grade system and credit rank 33
3.1.1.2. Criteria assessed by kind of customers 33
3.1.2. Improving the evaluation quality of debts 45
3.1.3. Solution for improving guarantee assets management in credit operations 49
3.1.3.2. Solutions for support to fulfill 53
3.1.3.3. Solutions for deduction particular standby 55
3.2. Group of foreign exchange risk management solutions 55
3.2.1. Opening the mobilizing foreign currency resources and intensify to seek customers had import/export payment demands 55
3.2.2. Combination buy/sell foreign currency spot and forward 57

INTRODUCTION

.1. NECESSITY OF THE THESIS

Risk management was interested in by the managers, especially, bank industry. Risks always threaten existence of the commercial banks and that thing effected to the economic. Risk management in commercial bank operations is a new field. Besides, risk management standard of Vietnam banks is the beginning period in comparison with the countries had the development financial market in hundreds years. As well as, banks are poor in financial products and services, small scale and business capital sources. Operation scope is also major in domestic market; weakness in financial management ability and unclear, closed the financial system. 

.2. OBJECTIVE OF THE RESEARCH

– Research the issues about risks which banks have to face with including discovery, measure and the overcome methods.

– Research the risk expression in professional competences of commercial bank such as: credit operations, capital management, and international bank services in bank

Reply on the realistic experiences of banks in the world, propose solution groups to improve the risk management process, included the deploy some of new preventive professional competences in practice conditions of bank.

INTRODUCTION

Chapter 1: LITERATURE REVIEW
Chapter 2: METHODOLOGY, RESEARCH PARADIGMS, ANALYSIS Chapter 3: RECOMMENDATIONS AND CONCLUSION CONCLUSION
References

CHAPTER 1 LITERATURE REVIEW

1.1 Commercial bank and the main risks in bank operations

1.1.1 Commercial Bank and the main risks

1.1.1.1 Concept

America: Commercial Bank is a business company specialized in providing financial services and operating in financial service industry.

France: Commercial Bank is an enterprise frequently receives from the people deposit form or the other forms which their money was not used to theirselves in discount professional competences, credit or financial services.

India: Commercial Bank is a place to receive the deposit to loan or sponsor and invest.

Vietnam: Commercial Bank is an organization trading in currency major in and frequently to receive deposit from the customers with the responsibility to refund and use that money to loan, carry out discount operation and make payment means.

1.1.1.2. Functions

– Assets rotation function: Banks conduct at the same time two operations. The first one, Banks mobilize capital by issuing deposit certificate. The second one, Banks invest by providing credit and stock investment.

Risk management

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