Abstract
Lending activities of VDB projects are preferential i.e.: long-term lending period, high-rate loans (up to 70% of total investment in fixed assets), interest rates lower than market rates, the investment used properties formed from loan to loan security investment... Under the impact of the financial and economic crisis, domestic economic downturn has put credit investment enterprises in difficulties and failed to settle payment in accordance with the signed credit agreement, increasing the rate of overdue loans. Although work has always focused on risk management, in fact the risk management capacity of branches is limited, this is the biggest weakness. Facing that situation, VDB Hai Duong is required to improve the management of credit risk and limit it to the lowest possible level of potential risk causes. The situation mentioned is the motivation for the author to select this topic.
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