SOLUTIONS TO SUPPORT THE CREDIT DECISION FOR LOANS OF ENTERPRISES IN VIETNAMESE COMMERCIAL BANKS CASE STUDY: NON-FINANCIAL FACTORS

Abstract

that has the potential to lead to big risks such as in the field of currency trading - credit. The Bank has to bear the risks not only due to its subjective causes, but also the risks of its customers. Therefore, a tool can support commercial banks in warning credit risks is necessary, especially in the context of fierce competition like today. In the world there have been some researches related to this issue. However, each project only develops its strengths in a certain aspect and is not really suitable with the actual conditions in Vietnam. With such urgency, the paper proposes a method of combining the scoring of non-financial factors with the credit rating of S&P, thereby helping commercial banks has more one tool for support in credit decision.