Credit rating system in BDIV
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Credit rating system in BDIV
GROUP ASSIGNMENTTOPIC: CREDIT RATING TO CUSTOMERS IN COMMERCIAL BANKS: RATIONALITY AND ISSUESGroup: 08Class: Corporate Finance EEP 61A Teacher: Do Hoa Credit rating system in BDIV ai LinhA.THE OVERVIEW OF CREDIT RATING.............................3I.Credit risk................................................3II.Credit rating.............................................3B.CREDIT RATING TO CUSTOMERS IN VIETNAMCOMMERCIAL BANKS....................................................9 Credit rating system in BDIV I.Credit rating for individual customers borrowing capital atcommercial banks....................................................9II.Credit rating metCredit rating system in BDIV
hod for corporate customers atcommercial banks.............................................11c. SITUATION OF INTERNAL CREDIT RATE SYSTEM OF COMMERCIALGROUP ASSIGNMENTTOPIC: CREDIT RATING TO CUSTOMERS IN COMMERCIAL BANKS: RATIONALITY AND ISSUESGroup: 08Class: Corporate Finance EEP 61A Teacher: Do Hoa Credit rating system in BDIV ....14III.BIDV's internal credit rating principles...............17IV.BIDV Bank’s internal credit scoring and rating process.19D.RATIONALITY AND ISSUES OF CREDIT RATINGTO CUSTOMERS IN COMMERCIAL BANKS............................31I.Rationality..............................................31II.Issue. Credit rating system in BDIV ..................................................34E.RECOMMENDATIONS TO COMPLETE THE CREDIT RATINGTO CUSTOMERS IN VIETNAM COMMERCIAL BANKS...........Credit rating system in BDIV
.........36I.Solution to complete internal credit rating system of BIDV Bank.36II.Solution to complete internal credit rating system of Vietnam..38REFGROUP ASSIGNMENTTOPIC: CREDIT RATING TO CUSTOMERS IN COMMERCIAL BANKS: RATIONALITY AND ISSUESGroup: 08Class: Corporate Finance EEP 61A Teacher: Do Hoa Credit rating system in BDIV proportion in the operation of commercial banks, so when borrowers encounter risks leading to failure to repay their loans, it will immediately affect the capital of the bank.The State Bank introduced the concept of credit risk in Decision No.493/2005/QD-hlHbJlN dated 22/04/2005: “Credit risk in ban Credit rating system in BDIV king activities of Ciedit institutions is the possibility of losses in banking activities of Ciedit institutions due to customers’ failure to performCredit rating system in BDIV
or inability to perform their obligations as committed.”In other words, credit risk is the maximum total amount of money that a bank can lose when cusGROUP ASSIGNMENTTOPIC: CREDIT RATING TO CUSTOMERS IN COMMERCIAL BANKS: RATIONALITY AND ISSUESGroup: 08Class: Corporate Finance EEP 61A Teacher: Do Hoa Credit rating system in BDIV lect a loan when it is due.Credit risk at commercial banks can arise due to many reasons, which can be subjective or objective causes, objective causes belong to external factors, these are the causes that commercial banks themselves are very difficult to eliminate. On the contrary, the subjective c Credit rating system in BDIV auses belong to the internal of the bank, commercial banks can offer many solutions to limit these causes.In order to limit risks in credit activitiesCredit rating system in BDIV
, commercial banks can offer many solutions, the traditional solution commonly used is to separate the appraisal and analysis work from the lending toGROUP ASSIGNMENTTOPIC: CREDIT RATING TO CUSTOMERS IN COMMERCIAL BANKS: RATIONALITY AND ISSUESGroup: 08Class: Corporate Finance EEP 61A Teacher: Do Hoa Credit rating system in BDIV , commercial banks often use the results OÍ credit rating to borrowers as a basis for decisions related to lending, assessing loan risks, implementing customer policies... f his is a solution to advance the quality, limit credit risk. Credit rating system in BDIV GROUP ASSIGNMENTTOPIC: CREDIT RATING TO CUSTOMERS IN COMMERCIAL BANKS: RATIONALITY AND ISSUESGroup: 08Class: Corporate Finance EEP 61A Teacher: Do HoaGọi ngay
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