Abstract

Applying OLS approach, the paper aims at identifying specific banking factors which impact on credit risk of Vietnam’s comercial banks. Using data collected from financial statements of 32 Vietnam’s commercial banks in the years 2010–2013 and the application of OLS, three idendified factors comprise loan growth, size, and cost-income-ratio. Based on the research findings, several recommendations are proposed for individual investors, further contributing to prompt awareness of the factors with negative effects on credit risk and proper control of lending boom impacts.

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