Abstract
The world economy is entering a period of decline, inflation in the US and UK is at the highest level in 40 years. Commercial banks are under pressure to raise deposit rates and ensure business results. This article aims to analyze the factors affecting the operation of commercial banks. The purpose of this study is to determine the overall factors affecting the business activities of commercial banks. Based on this theory, the author mentions a number of solutions to enhance the operational efficiency of Vietnamese commercial banks. These solutions contribute to policy suggestions for the State Bank of Vietnam and the Economic Committee of the National Assembly to issue appropriate policies to help Vietnam's economy grow, contributing to escaping the middle-income trap flask.
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