TĂNG CƯỜNG NĂNG LỰC TÀI CHÍNH VÀ HIỆN ĐẠI HÓA CÔNG NGHỆ TẠI CÁC NGÂN HÀNG TMCP TRÊN ĐỊA BÀN TP.HCM ĐÁP ỨNG YÊU CẦU CẠNH TRANH TRONG ĐIỀU KIỆN HỘI NHẬP

Abstract

“A bank is a place that will lend you money if you can prove that you don't need it.” (Bob Hope)
Never before have these words been reflected as clearly as these days. Virtually, banks are afraid of lending businesses and individuals who are really in need of capital because they are worried about bad debts whereas they are willing to give loans, even with a preferable interest rate to businesses who do not need capital because of being unable to find a good way to do business effectively.

What is the real problem? What is the true reason?

Is it due to the economy itself or the capacity of banking system? In the scope of this paper, the researcher will carry out the study in order to (1) find out elements forming the capacity of merchant banking system, (2) explain the capital stagnancy that the economy is facing, and (3) suggest some reasonable steps to enhance the effectiveness and competitiveness as well as to improve the position and scope of the Viet Nam banking system in the international integration.