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Tác động của loại hình sở hữu đến thu nhập lãi cận biên của ngân hàng thương mại Việt Nam

Nghiên cứu này được thực hiện nhằm phân tích các yếu tố quyết định đến thu nhập lãi cận biên (NIM) của ngân hàng thương mại (NHTM) ở Việt Nam với sự nhấn mạnh đặc biệt về loại hình sở hữu của ngân hàng.


Phát triển ngân hàng vi mô ở Việt Nam – Một số bài học từ kinh nghiệm quốc tế

Bài viết này trình bày tổng quan về một số mô hình ngân hàng vi mô thành công trên thế giới, phân tích cơ hội cho hoạt động ngân hàng vi mô ở Việt Nam, nhằm góp phần thúc đẩy xã hội hóa hoạt động TCVM, góp phần xóa đói giảm nghèo hiệu quả.


Is exchange rate pass-through declining

This paper reexamines the degree of exchange rate pass-through (henceforth ERPT) in-1apanesecexports=totheUnited~States and Asian countries by using the destination breakdown data of 300 export commodities at the HS 9-digit level. By conducting the fixed effect panel estimation, we have found that ERPT has increased in Japanese exports to all destinations, even to the United States, at the HS 4-digit commodity level, which contrasts markedly with the Taylor's (2000) conjecture that ERPT declined in the low inflation environment.


Comparative study of the role of the board of directors between state owned banks and joint stock banks in Vietnam

This paper contrasts actual practices of the role of board of directors in two banks with different ownership structures (i.e. a state-owned bank and a joint stock bank) to identify whether there is a difference in the role of board of directors associated with different ownership structures. The framework for evaluation is the OECD and Basel principles of corporate governance


Impact of service quality on customer satisfaction of automated teller machine service: Case study of a private commercial joint stock bank in Vietnam

The aim of this study is to investigate the impact of service quality performance on customer satisfaction on ATM service in a commercial bank in Vietnam. This study applies SERVPERF framework to analyze the data collected from a questionnaire survey and found that ASSURANCE and TANGIBLES factors significantly impact on the customer satisfaction.


Measuring the impacts of internet banking to bank performance: Evidence from Vietnam

The main objective of this study is to evaluate the impact of internet banking to performance (profitability ratios, noninterest operating expenses and incomes) of banks in Vietnam in the period from 2009-2014. The study uses random effect model (REM) and fixed effect model (FEM) to estimate the relationships between Internet indicators and bank’s performance.


Một số nhân tố ảnh hưởng đến xu hướng sử dụng ngân hàng trực tuyến ở Việt Nam

Nghiên cứu này xem xét một số yếu tố ảnh hưởng đến xu hướng sử dụng ngân hàng trực tuyến ở Việt Nam. Mô hình nghiên cứu được dựa cơ bản trên thuyết hợp nhất về sự chấp nhận và sử dụng công nghệ (UTAUT). Mô hình được kiểm định với 264 khách hàng tại TPHCM. Kết quả nghiên cứu cho thấy hiệu quả mong đợi, ảnh hưởng xã hội, sự tín nhiệm, sự lo lắng ảnh hưởng đến xu hướng sử dụng ngân hàng trực tuyến. Kết quả còn cho thấy tính dễ sử dụng và sự tự tin không ảnh hưởng đến xu hướng sử dụng ngân hàng trực tuyến.


Đề xuất mô hình chấp nhận và sử dụng ngân hàng điện tử ở Việt Nam

Ngân hàng điện tử (E-Banking) là một xu thế tất yếu của các giao dịch ngân hàng trong tương lai, nó không những đem lại lợi ích cho các ngân hàng mà còn cho cả khách hàng. Các nghiên cứu cho thấy, những mô hình khác nhau về E-Banking là hết sức cần thiết để phù hợp với các quốc gia và sự phổ biến rộng rãi các dịch vụ E-Banking đến khách hàng. Trong nghiên cứu này, một mô hình mới được đề xuất là mô hình chấp nhận và sử dụng E-Banking ở Việt Nam (E-BAM, E-Banking Adoption Model). Kết quả nghiên cứu cho thấy các giả thuyết đặt ra của mô hình E-BAM đều được chấp nhận. Mô hình E-BAM giải thích được khoảng 57% những biến động của sự chấp nhận và sử dụng E-Banking.


Measuring the performance of the banking system case of Vietnam (1990-2010)

This paper applied a modified DEA window analysis to analyze the performance changes through time of the Vietnamese banking system in the 1990-2010 periods. The research suggests that this performance is decreasing through the time as the size of the banking sector increases; financial market is more liberate, and when the World and regional economies are problematic.


Examining service quality and customer satisfaction in the retail banking sector in Vietnam

The present study focused on examining the interrelationship between service quality dimensions (tangibility, reliability, responsiveness, assurance, and empathy) and investigated the correlation between perceived service quality and customer satisfaction in the retail banking sector in Vietnam.


CSR in banking sector a literature review and new research directions

This paper aims at providing a review of 84 quantitative and qualitative research on Corporate Social Management in banking sectors so as to identify 5 areas of emphasis of CSR research in the sectors. These issues are perception toward CSR, drivers, impacts, CSR practices, and CSR reports. Besides, this paper tries to draw the general picture of CSR practices in the banking secto rworldwide.


Determinant of access to rural credit and its effect on living standard: Case study about poor households in Northwest, Vietnam

his study investigated the determinants of accessibility to formal credit and its effects on living standards from 2010 to 2012 based on dataset of Vietnam Households Living Standards Survey (VHLSS) from the General Statistics Office of Vietnam and support of Eview 7 program.


A multinomial logit model and the direction of monetary policy in Vietnam

This empirical study is an attempt to fill this gap by estimating the MLM to investigate the relationship between several regressor variables (namely the output gap, inflation gap, exchange rate and the ratio of trade balance over nominal GDP) and the directional change of interest rates in Vietnam.


Socio-economic impact of rural credit in Northern Vietnam: Does it differ between clients belonging to the ethnic majority and the minorities

The paper evaluates the impact of rural credit program on socio-economic development with emphasis on two classifications of clients at household level: the majority and the ethnic minorities in Vietnam. Our paper utilizes the regression analysis of survey data collected in 10 provinces from the North to the South of Vietnam.


Factors affecting intention to use facebook-banking of generation Y in Vietnam

This paper is conducted in order to evaluate the factors influencing the intention to use FB of generation Y (Gen Y). Basing on the Technology Acceptance Model - TAM (Davis, 1989), our research model is recommended with five factors directly or indirectly affecting the intention to use FB of Gen Y.


Impact of household credit on education and healthcare spending by the poor in peri urban areas, Vietnam

This paper contributes to the limited literature on peri-urban areas using evidence from one of the largest and most dynamic cities in Southeast Asia. There is an ongoing debate about whether microfinance has a positive impact on education and health for borrowing households in developing countries.


Developing corporate governance index for Vietnamese banking system

The purpose of this paper is twofold. Firstly, propose a specific method with a detailed questionnaire with 60 questions, divided into five main components: Shareholders and general shareholders’ meeting; Board of directors; Supervisory board; Disclosure and transparency, auditing and Violations. Second, the method will then be applied to calculate the CGI for 40 Vietnamese commercial banks in three years 2010, 2011 and 2012.


Total factor productivity of Thai banks in 2007-2010 an application of DEA and malmquist index

This paper shows that the global crisis had a late effect on Thai banks as the TFP only dropped in 2010. While the local banks maintained their stable, foreign banks were more fluctuating – some improved their TFPs, some did not and become worst performers in the system.


Factors contributing to the development of the retail banking services in Hanoi, Vietnam

This study focuses on factors contributing to the development of the retail banking services (RBS) in Hanoi, Vietnam. A four factor model is established, corresponding to four hypotheses in this paper. Based on a sample size of 615 customers and through a multiple regression analysis, results show that IT infrastructure - service channels and tangibles are factors contributing to the development of the RBS in Hanoi, Vietnam.


Bank restructuring–international perspectives and Vietnam practices

This paper aims at studying the restructuring of commercial banks which has been started since 2011 in Vietnam. This is considered as an active approach in restructuring the banking system in order to effectively obtain targets in the circumstance of no risk of severe crisis or recession.


The performance of Vietnamese banking system under financial liberalization: Measurement using DEA

The remainder of this paper is organized as follows. Section 2 gives some overview on banking system development under the financial liberalization process in Vietnam. Section 3 reviews the literatures on efficiency/performance measurement in the banking industry. Section 4 explains the methodologies and technical procedures which will be applied in the research. Section 5 shows some empirical results for discussion and Section 6 concludes.


Quản trị rủi ro lãi suất với hiệp ước basel tại các ngân hàng thương mại Việt Nam

Bài viết Quản trị rủi ro lãi suất với hiệp ước basel tại các ngân hàng thương mại Việt Nam trình bày sự cần thiết khách quan các NHTM cần hoàn thiện quản trị RRLS theo Hiệp ước Basel; Cơ sở khoa học để quản trị RRLS cho NHTM Việt Nam theo Hiệp ước Basel trong điều kiện hiện nay; Diễn biến lãi suất ảnh hưởng xấu đến hoạt động kinh doanh ngân hàng trong những năm gần đây; Cuối cùng bài viết đưa ra một số đề xuất để các NHTM Việt Nam hoàn thiện quản trị RRLS theo các Hiệp ước Basel,... Mời các bạn cùng tham khảo.


Solutions for the development of investment banking of commercial banks in Vietnam

With reference to the organizational models and different types of investment banking of commercial banks in the world, the survey in Vietnams commercial banks from secondary data, the article pointed out some weaknesses and the reasons so as to suggest some approaches and recommendations for diversifying the organization model, increasing the number and improving the quality of investment banking for commercial banks in Vietnam in the coming time.


Factors affecting productive efficiency of Vietnam joint stock commercial bank for industry and trade

The assessment of productive efficiency and the factors affecting the productive efficiency of commercial banks in the market economy are not an easy task as the bank efficiency is specific in relation to many entities and strong dependence on subjective and objective, direct and indirect determinants. In this study, the author utilized the model of Data Envelopment Analysis (DEA) to quantify the technical efficiency, then used regression model Tobit to assess factors affecting technical efficiency in the period of 2005 - 2011 of Vietnam Joint Stock Commercial Bank for Industry and Trade (VietinBank). In addition, the study used regression model with dependent variable ROA to assess the factors affecting the profitability of VietinBank. The results from the models were collected and analyzed to suggest some implications on improving productive efficiency of VietinBankin the coming time


Development of the national financial safety net in Vietnam

After the world financial crisis in 2008, a lot of countries, including Vietnam, started to pay attention to setting up a financial safety net, in order to keep security for financial institutions specifically and financial systems generally. The paper analyzes the actual state of the national financial safety net in Vietnam and suggests measures to improve it, including: 1) setting up the model of national financial safety net; 2) building legal frameworks; 3) strengthening members’ capacity; 4) mechanism of warning and intervention; and 5) develop international cooperation.


Developing E invoice payment in Vietnam: problems and solutions

The article generalizes some main features of e-invoice payment, analyses the situation, then proposes some solutions in diversifying forms and attracting customers so that the development of e-invoice payment system in Vietnam can reach a new height.


Credit in rural Vietnam

Besides the enhanced access to official credit by means of improvement of lending procedures to be more simplified and appropriate to the people’s level of knowledge, flexible in terms of the repayment time and borrowed amounts, the officialisation of the other credit channels make positive impacts on the creation of sources of capital for rural households, given its efficiency. The efficiency is reflected in the low expenses for the apparatus, the flexibility in terms of the due dates and scales of the loans, the clearly defined purpose of borrowing, and the high feasibility and repayment possibility.


Comparative Analysis of Innovation between Vietnam’s Microfinance System and International Benchmarks

The differences in the financial characteristics and needs of the poor in the countries, and the development of the microfinance sector itself, have made governments opt for their own solutions to develop microfinance. Although it is impossible to build a single formula for the development model of microfinance, it is helpful to compare the innovation of Vietnam’s microfinance system with two globally famous systems, namely Grameen Bank and the Bank Rakyat of Indonesia (BRI).


Policy of openness for foreign banks in Vietnam

The increasing penetration of foreign banks in line with the roadmap for openness following free trade agreements signed has been posing a number of challenges for domestic ones, namely the amounting pressure of competition in the sector, the possibility that domestic banks will gradually lose important segments of the market, being acquired and controlled by foreign ones.


Báo cáo thường niên 2015: Ngân hàng HDBank

Tài liệu gồm các nội dung chính: Tổng quan HDBank, quản trị ngân hàng, báo cáo hoạt động năm 2015, định hướng hoạt động năm 2016, báo cáo kiểm toán,... Mời các bạn cùng tham khảo chi tiết nội dung tài liệu.


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