1. Factors affecting credit risk management at Bank for Social Policy Transaction Office of Vinh Cuu District in Dong Nai Province

Tóm tắt

This study identifies and evaluates the factors influencing credit risk management at the Bank for Social Policy transaction office in Vinh Cuu district, Dong Nai province. Based on theoretical frameworks and previous studies, the authors propose a research model consisting of five factors: credit policy, credit granting process, human resource quality, credit information, and external environment. A quantitative research method used a structured questionnaire with a 5-point Likert scale. A total of 470 customers were surveyed, of which 449 valid responses were included for analysis. Data were processed using SPSS 20.0 software through a sequence of analytical steps, including Cronbach's Alpha reliability testing, exploratory factor analysis (EFA), correlation testing, and multiple linear regression analysis. The findings reveal that all five factors positively influence credit risk management at a 5% significance level. The model's adjusted R² reached 71,9%, indicating strong explanatory power. The most influential factors were credit policy (β = 0,410), human resource quality (β = 0,331), and credit granting process (β = 0,289), followed by credit information (β = 0,223) and external environment (β = 0,118). From the results obtained, the study proposes recommendations to improve credit risk management to help credit institutions adapt to fluctuations in the macro environment and legal policies.