Joint-stock Commercial Banks Research Articles

China’s anti-corruption campaign and bank loan loss provisions: Evidence from a quasi-natural experiment

This paper employs a difference-in-differences estimation to investigate the causal effects of the anti-corruption campaign on bank loan loss provisions in China. I find that the anti-corruption campaign has significantly reduced bank loan loss provisions. My finding are particularly pronounced in joint-stock commercial and city commercial banks. I analyze the mechanism from the perspective of bank risk management, and find that banks with less non-performing loans and more risk reserves have less provision for loan losses in the anti-corruption campaign, indicating that risk prevention motivation is its main purpose.

Customer’s satisfaction on service quality at Vietnam Technological and Commercial Joint Stock Bank – An Giang Branch

This study applied SERVQUAL scale of Parasuraman et al to measure factors affecting customer satisfaction on service quality at Vietnam Technological and Commercial Joint Stock Bank - An Giang Branch (Techcombank An Giang). The study was conducted to survey 207 customers who have been using the service at Techcombank An Giang. The survey results were analyzed by the Cronbach's Alpha reliability test method, then used Exploratory factor analysis (EFA) to verify and evaluate the scale of service quality. The results of the regression analysis show that customer's satisfaction about service quality at Techcombank An Giang includes four factors: The factor with the highest level is the Empathy with Beta = 0.253, the second of factor is the Responsibility with Beta = 0.248, ranked third in the influence level is the Tangible with Beta = 0.235, and the lowest impact level is the Reliability with Beta = 0.144. The research also uses statistical methods to describe and test the differences of demographic factors with customer's satisfactionon service quality.The analysis results show that there is no difference between customer's satisfaction on service quality and factors such as gender, age, income, number of transaction banks, regular transaction banks, and time to use the service at Techcombank An Giang. Through the research results, the author would like to propose some ideas to improve the quality of services, thereby attracting new customers and importantly, keeping traditional customers because the development orientation of Techcombank is to take care of old customers to cross sell other products of the bank. The Stud results offer a basis for the branch to identify the factors influencing customer satisfaction on their service quality, thereby having an appropriate strategy to improve customer satisfaction.

Explaining Intention to Use Mobile Banking: Integrating Perceived Risk and Trust into the Technology Acceptance Model

This study explores customers' mobile banking acceptance behaviour using the technology acceptance model (TAM) integrated with the variables of perceived risk and trust. Research employed a sample of 403 customers of one of the largest joint stock commercial banks in Vietnam. Results show that the integrated model explains more than 76% of the variability of intention to use mobile banking. The results also show that perceived risk is negatively related to trust, perceived usefulness and intention to use mobile banking. Trust is positively associated with perceived ease of use, perceived usefulness and intention to use mobile banking. Perceived ease of use is positively associated with perceived usefulness and intention to use mobile banking. Perceived usefulness is positively related to intention to use mobile banking. Implications are drawn to enhance intention to use mobile banking.

Assessing the efficiency of financial supply chain for Chinese commercial banks: a two-stage AR-DEA model

PurposeThe purpose of this paper is to evaluate Chinese commercial banks efficiency based on different non-performing loans in the process. Moreover, we identified the difference among different types of banks (state-owned commercial banks, joint-stock commercial banks and city commercial banks) and different operation stages (deposit producing sub-stage, profit earning sub-stage and overall stage).Design/methodology/approachAssurance region (AR) restrictions are combined with a two-stage data envelopment analysis (DEA) model. The efficiency scores of 26 Chinese commercial banks (listed banks) are analyzed by a two-stage AR-DEA model in the study period of 2013–2017.FindingsThe results show that state-owned commercial banks had better performance than joint-stock commercial banks and city commercial banks over the five-year study period. The development of Internet finance has positive impact on deposit producing sub-stage and insignificant non-homogeneity existed among the different groups in the circumstances of considering different non-performing loans.Practical implicationsThe research findings provide practical insights that help bank managers find the defects in operation process, which need to be improved.Originality/valuePrevious studies viewed non-performing loans as an integrated whole variable. The paper divides non-performing loans into three categories based on the risk and investigates the effect of different types of loans on bank efficiency scores.

Impact of selected factors on stock price: a case study of Vietcombank in Vietnam

Fluctuation of stock price in commercial banks in developing countries such as Vietnam will reflect the business health of bank system and the whole economy. Good business management requires us to consider the impacts of multi macro factors on stock price, and it contributes to promoting business plan, financial risk management and economic policies for economic growth and stabilizing macroeconomic factors. The article analyzed and evaluated the impacts of seven (7) macroeconomic factors on stock price of a joint stock commercial bank Vietcombank (VCB) in Vietnam in the period of 2014-2019, both positive and negative sides. The results of quantitative research, in a seven factor model, show that the increase in GDP growth and lending rate and risk free rate has a significant effect on increasing VCB stock price with the highest impact coefficient, the second is decreasing the exchange rate, finally is a slight decrease in S&P500. This research finding and recommended policy also can be used as reference in policy for commercial bank system in many developing countries.

Assess the Quality of Savings Deposit Services at the National Citizen Commercial Joint Stock Bank, Thai Nguyen Branch, Vietnam

For customers, the service quality is still rated as one of the top important factors to attract customers to save money. Therefore, it is extremely important to evaluate the quality of this service at commercial banks in general, and National Citizen Joint Stock Commercial Bank (hereinafter referred to as NCB) in particular, in order to better serve for the customers, hereby, helping the Bank develop.

ЎЗБЕКИСТОН ТИЖОРАТ БАНКЛАРИ МОНОПОЛ КУЧИНИ ЛЕРНЕР ИНДЕКСИ АСОСИДА БАҲОЛАШ

In this article, the Lerner index was used to assess the monopoly power of Uzbek banks. The Lerner index was estimated by calculating marginal costs based on the translog function of total costs. Banks operating in Uzbekistan in 1999-2018 were selected for the analysis. The analysis was conducted over the years based on the form of ownership of banks. It has been empirically proven that the monopoly power of banks has decreased over time. According to the form of ownership, banks were analyzed by state banks, joint-stock commercial banks, private banks, and foreign banks. The analysis showed that the state-owned banks had more monopoly power, while the private banks to a limited extent. The monopoly power of indirectly state-owned banks declined over time, as well as the average Lerner index of foreign banks has also declined. However, the monopoly position of foreign banks has increased compared to banks with other forms of ownership.

Credit risk shocks and banking efficiency: a study based on a bootstrap-DEA model with nonperforming loans as bad output

PurposeThis paper investigates the impact of credit risk shocks on the evolution of banking efficiency in China.Design/methodology/approachThis paper introduces credit risk as a bad output into a bootstrap data envelopment analysis (bootstrap-DEA) model.FindingsDuring a credit risk shock, the efficiency levels of both state-owned commercial banks and joint-stock commercial banks are significantly higher than those of urban/rural commercial banks, and the efficiency differences between these banks further increase during a period of economic slowdown. This paper also finds that the efficiencies of joint-stock commercial banks are the most sensitive to credit risk shocks; these banks are the first to be affected and the first to completely adjust. However, urban/rural commercial banks adjust very slowly.Originality/valueMost scholars still use the traditional DEA method to estimate China's banking efficiency. The bootstrap-DEA method is clearly able to obtain a more exact estimated efficiency score. In fact, in comparison with the bootstrap-DEA model, we found that the traditional DEA method overestimates China's banking efficiency, and this is an especially serious problem for those banks that have a high efficiency score.

Ownership structure and risk of commercial banks in Vietnam

This study examines the impact of ownership structure on bank risk. The former is classified into four types, including concentrated, institutional, foreign, and government, while the latter is proxied by the Z-score (an inverse measure of risk). The Generalized Least Squares (GLS), which controls for heteroskedasticity and autocorrelation problems, is employed to analyze an unbalanced panel data set including 21 joint-stock commercial banks in Vietnam from 2010 to 2018. We further investigate the moderating effects of market discipline (proxied by variable listed) on the relationship between ownership structure and bank risk. The results suggest that there is a negative association between three proxies of ownership structure (ownership concentration, institutional ownership, and government ownership) and bank risk and that foreign ownership does not have any significant relationship on the risk of the bank in the direct relationship models. However, the results for the models where interaction variables are included show that foreign shareholders help improve bank stability and reduce risk in listed banks. In addition, the relationship between institutional ownership and bank risk is reinforced for listed banks, while the relationships between the other two (concentration and government) and bank risk are not influenced by the listing status.

Analysis of the environmental trend of network finance and its influence on traditional commercial banks

In order to understand the environmental trend of network finance and the impact of network finance on traditional ommercial banks, after analyzing the transaction risks of network finance, this study learns from the advanced models of credit risk measurement and early warning at home and abroad and the latest artificial intelligence technology, combining them with China’s national conditions, so as to establish a credit risk measurement system suitable for commercial banks. In this study, the research is carried out from the perspectives of theory and practice, technology and business, and the credit risk warning system, measurement model and implementation tools are comprehensively sorted out, then the basic theories and core ideas are studied. In accordance with the concept of big data mining, this study proposes a financial crisis early warning model based on artificial intelligence system. Based on the empirical analysis of the main causes of the rapid decline in the asset quality of China’s joint-stock​ commercial banks, and based on the characteristics of big data mining in the information explosion era, it is pointed out that the artificial intelligence is a powerful tool to improve the ability of credit risk measurement. It can be confirmed that the development of network finance has brought different impacts on the business, business model, and business philosophy of banks.

Analyzing Financial Factors to Improve Production and Business Efficiency

In order to complete this paper, the authors would like to thank Thai Nguyen Iron and Steel Joint Stock Company for their support in discussing and providing necessary information related to the article, thank SHB Commercial Joint Stock Bank for supporting the review of the paper and financial results for the authors in the research process. The authors also thank the Faculty of Economic Information Systems, Thai Nguyen University of Information and Communication Technology.

Factors Affecting Responsibility Accounting at Joint Stock Commercial Banks in Vietnam

Modern management today requires corporations to control and evaluate governance responsibilities at each organizational level. To achieve this goal, managers must possess management tools to do it effectively. In order to improve the operational efficiency of joint stock commercial banks, it is necessary to include responsibility accounting as one of such tools. This study conducted a survey of 32 joint stock commercial banks with 304 questionnaires, using Statistical Package for the Social Sciences software for data analysis. The obtained research results indicate that factors affecting responsibility accounting in joint stock commercial banks include: (1) decentralized management, (2) organizational structure, (3) managerial awareness, (4) controlling activities, (5) qualifications of accountants, and (6) reward systems. Based on the research results, we proposed several governance implications for joint stock commercial banks, such as (1) choosing suitable organizational structure, (2) developing the Responsibility Accounting Reporting System, and (3) improving professional qualifications and management capacity.

Impacts of Human Resource Management on the Financial Performance of Vietnam Joint Stock Commercial Bank for Industry and Trade

The aim of this paper is to investigate impacts of human resource management on financial performance of Vietnam Joint Stock Commercial Bank for Industry and Trade (VietinBank). The study employs both qualitative and quantitative methods for analysis. Qualitative method is used to finalize the questionnaire while quantitative method is used to test the research hypotheses via measurement scales, descriptive analysis, EFA analysis, correlation coefficients, and linear regression model. The data is collected from 250 employees working at different branches of VietinBank in Vietnam. The results show that these 7 factors: selection, training, job description, performance appraisal, compensation system, career planning, employee participation have significant impacts on the financial performance of VietinBank.

Impact of perceived risk on mobile banking usage intentions: trust as a mediator and a moderator

This study examines the relationships among perceived risk, trust, and intention to use mobile banking. The research model is confirmed based on data collected from the customers of one of Vietnam's largest joint stock commercial banks. The results of statistical analysis show that the research model explains 60.2% of the variability of intention to use mobile banking. The results also show that perceived risk includes components such as financial risk, social risk, time risk, privacy risk, security risk, and performance risk. Furthermore, perceived risk is negatively related to trust and intention to use mobile banking, and trust has a positive relationship with intention to use mobile banking. Implications are drawn and useful for improving intention to use mobile banking.

Impact of Perceived Risk on Mobile Banking Usage Intentions: Trust as a Mediator and a Moderator

This study examines the relationships among perceived risk, trust, and intention to use mobile banking. The research model is confirmed based on data collected from the customers of one of Vietnam's largest joint stock commercial banks. The results of statistical analysis show that the research model explains 60.2% of the variability of intention to use mobile banking. The results also show that perceived risk includes components such as financial risk, social risk, time risk, privacy risk, security risk, and performance risk. Furthermore, perceived risk is negatively related to trust and intention to use mobile banking, and trust has a positive relationship with intention to use mobile banking. Implications are drawn and useful for improving intention to use mobile banking.

ANAYSIS OF IMPACTS OF A SIX FACTOR MODEL CASE ON EIB STOCK PRICE IN COMMERCIAL BANKING INDUSTRY IN VIETNAM -- AND ROLES OF IT SECURITY AND RISK MANAGEMENT

During Covid 19 we need to recognize role of risk management including IT security and financial risk management. Risk can reflex in Fluctuation of stock price in commercial banks in developing countries such as Vietnam, which will reflect the business health of bank system and the whole economy. Good business management requires us to consider the impacts of multi macro factors on stock price, and it contributes to promoting business plan and economic policies for economic growth and stabilizing macroeconomic factors. By data collection method through statistics, analysis, synthesis, comparison, quantitative analysis to generate qualitative comments and discussion; using econometric method to perform regression equation and evaluate quantitative results, the article analyzed and evaluated the impacts of six (6) macroeconomic factors on stock price of a joint stock commercial bank, Eximbank (EIB) in Vietnam in the period of 2014-2019, both positive and negative sides. The results of quantitative research, in a seven factor model, show that the increase in Risk free rate has a significant effect on increasing EIB stock price with the highest impact coefficient, the second is decreasing CPI and lending rate. This research finding and recommended policy also can be used as reference in policy for commercial bank system in many developing countries. We also recommend some plans to deal with risk management and IT security in this industry.

Formation and activity of joint-stock commercial banks in the turkestan region (late XIX -early XX centuries)

Formation and activity of joint-stock commercial banks in the turkestan region (late XIX -early XX centuries)

Internal Control of Commercial Banks<br/>—Based on Case Study of Shanghai Pudong Development Bank

Commercial banks occupy an important position in China’s financial system. In recent years, with the development of economy, a series of problems arise in the process of risk management and internal control, which have a negative effect on market economy. As a result, people pay more attention to internal control, hoping to establish a better internal control system and improve the ability of commercial banks to identify and prevent risks. This paper is based on the five elements of COSO control framework, and selects the nationwide joint-stock commercial banks—Shanghai Pudong Development Bank as a research case to study. Through the in-depth analysis of the control environment, risk assessment, control activities, communication and supervision mechanism of Shanghai Pudong Development Bank, we can find the defects of internal control system and give feasible suggestions.

Analysis of China Commercial Banks’ Systemic Risk Sustainability through the Leave-One-Out Approach

One of the main issues in the recent Chinese financial reform is aimed at effectively measuring systemic risk and taking appropriate measures to ensure its sustainability and prevent new crises. In this paper, we firstly introduced the present macro-prudential policies implied in China and pointed out the existing problems. Secondly, we analyzed the banks’ assets riskiness and the banks’ probability to default, then, by means of a leave-one-out model, we measured each commercial bank systemic risk contribution. Thirdly, based on comprehensive empirical results and theoretical analysis, we provided some references for macro-prudential regulation and supervision. Results show that systemic risk is increasing in 2013–2017, in particular with reference to contagion risk, with a specific concentration within joint-stock commercial banks, suggesting a specific attention of regulators and supervisors for this category.

Indicators to Assess Financial Security of the Banks

Ensuring liquidity and sustainability of commercial banks enables to satisfy the needs for loans extended to individuals and legal entities, as well as to provide continuity of the payments in the economy. In turn, banking liquidity and ensuring solvency are considered to be a crucial precondition for ensuring their financial security. As far as we know in the world practice there is no single approach to the financial security of banks and the system of assessment indicators. Statistic data used in various countries required to the calculation of assessment indicators vary in different countries. This, in turn, does enable to entirely assess the financial security of banks. Methodology of the study was based on modern foreign scientist`s research works. In the article was used indicators coefficients and the data provided from the Central Bank of the Republic of Uzbekistan. In this regard this article is devoted to the research of scientific-theoretical aspect of financial security. In addition, the article specifies the indicators used to assess financial security of commercial banks. The research has been conducted on the case-study of joint-stock commercial bank “Asaka” operating in our republic. Moreover, the article presents assessment of the financial security of “Asaka” JSCB, as well as determines the problems associated with ensuring financial security. In addition, the article contains scientific proposals aimed at eliminating the problems specified above. In terms of the method available, the indicators used for assessing financial security are fit for the enterprises, however, such indicators haven’t been developed for banks. In the method proposed in this article, the indicators used for assessing financial security have been structured in terms of the peculiarities of commercial banks operating in the republic.