Giải pháp quản lý rủi ro tín dụng tại các ngân hàng thương mại sau Covid-19

Abstract

Commercial banks primarily engage in the credit sector as their basic activity. Revenue generated from credit is the primary source of income for banks, enabling them to operate sustainably and pursue development objectives and strategies. However, the credit sector also presents significant challenges, primarily related to credit risk. Credit risk has been shown to result in unpredictable consequences, including financial losses, negative impacts on capital, market share, as well as the reputation and brand of commercial banks. In some cases, credit risk can even lead to bankruptcy. Addressing credit risk is crucial for effective banking management as it is a complex issue that is not easily resolved and can, at times, be impossible to address. Conducting research to identify the causes, impacts, and measures to prevent credit risk for commercial banks is crucial. Such research will assist banks in proactively managing and minimizing the adverse effects of credit risk on their operations.