Phát triển tín dụng xuất khẩu tại ngân hàng nông nghiệp và phát triển nông thôn việt nam tt tiếng anh

mobilization
4.3.3. Prevent risks of export loans
4.3.3.1. For risks from the bank


22
* Improve the quality of export credit appraisal:
* Strengthen inspection and control after lending:
* Implementation of dispersion and sharing of risks:
4.3.3.2. Risk of exchange rate factors
4.3.3.3. Risks from changes in policy and macro environment
4.3.4. Enhance information and technology in banking operations
* Strengthen the collection and management of information related to
import and export lending activities
* Application of technology in export lending activities
4.3.5. Human resources management
4.4 SOME RECOMMENDATIONS TO DEVELOP EXPORT LENDING
4.4.1. For the government
4.4.2. For Ministry of Industry and Trade
4.4.3. For the Ministry of Finance
4.4.4. For state banks
4.4.5. For trade association and banking association


Trade association



Banking association

23
CONCLUSION
Export credit development is being paid attention by Agribank and included in its
credit development strategy. Based on the theory of export credit to analyze the
situation and factors affecting export credit development at Agribank, the thesis
outlines the achievements, shortcomings and causes for developing export credit
activities at Agribank. Specifically:
(i) The system is reasoned about developing export credit in a scientific way,
which introduces the concept of developing export credit, states criteria for
developing export credit, influencing factors.
(ii) Analyzing the current status of export credit development in Agribank for the
period of 2012-2018, evaluating based on criteria and types of credit, surveying
the influencing factors. The results showed that Agribank had an interest in
developing export credit in the period of 2012-2018 and achieved certain results.
However, there exist many limitations that need to be overcome to be able to
develop export credit in the coming time.
(iii) Based on the results of analyzing the situation and analyzing the domestic
and international context affecting export and export credit, the orientation of
Agribank, the thesis has proposed 5 groups of solutions and 5 groups of
recommendations to develop export credit at Agribank. In which the most
important and need to implement first is to complete export credit products and
develop policies to expand markets and improve the quality of export credit
products. Along with the implementation of the above solutions, Agribank also
needs to improve capital mobilization to meet the increasing demands of
enterprises, specialize in analyzing activities to limit operational risks, improve
the collection of information about customers and strengthen the postdisbursement inspection to minimize the risk of enterprises using loans for wrong
purposes. In addition to striving from Agribank, to develop export and export
credit activities, the government, ministries, state banks, associations need

24
solutions to support commercial banks and import-export enterprises such as
improving import and export management mechanism, improving export support
policies to become consistent and timely in interest rate and exchange rate
management policies. Thus, export credit activities of commercial banks in
general and Agribank in particular have strong development conditions,
contributing to promoting the country's economic development./.


LIST OF SCIENTIFIC PUBLICATIONS OF THE
AUTHOR RELATED TO THE THESIS'S CONTENT
1. Nguyen Thi Thanh Ha, Nguyen Ngoc Son (2014), “Current situation and
solutions for Vietnam exports in the period of 2012-2015 – With a vision to
2020”, Journal of Science and Technology, The University of Da Nang, No.
4[77]/2014, (P112-116)
2. Nguyen Thi Thanh Ha, (2014), “Bad debts at commercial banks and the
actual situation of debt trading activities in Vietnam Debt and Asset Trading
Corporation (DATC)”, Journal of Finance and Accounting Studies, No.
12(137)2014, (P47- 49)
3. Nguyen Thi Thanh Ha, (2016), “The import and export payment activities
of commercial banks in Da Nang city in the integration context”. Journal of
Finance and Accounting Studies, No. 5(154)2016, (P11-13)
4. Nguyen Thi Thanh Ha, (2017), “Development of non-credit services at
Agribank in Da Nang city”, Journal of Finance and Accounting Studies, No.
5(166)2017, (P72-74)
5. Nguyen Thi Thanh Ha, Nguyen Tran Hien Anh (2017),“ Development of
human resources in Quang Nam province in the integration period”, The Journal
of Finance, Term 2 of April 2017, (P82-83)
6. Nguyen Thi Thanh Ha, (2018) “Development of export credit at Agribank

– Current situation and solutions”, Journal of Finance and Accounting Studies,
No. 5(178)2018, (P47-51)
7. Nguyen Thi Thanh Ha, (2019) “Green credit at Vietnam commercial
banks”, Journal of Teaching and Learning, Term 2 of May 2019, (P73,89)
8. Nguyen Thi Thanh Ha, (2019) “Developing non-cash payment activitise in
Da Nang City” Journal of Teaching and Learning, Term 1 of Octember 2019,
(P89-90)