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THANKFUL

To complete this research report, I want to give the sincere thankful to the teacher in Faculty of Banking and Finance of Industrial university of Ho Chi Minh City to create a change to me complete my training in during the time I study at class to the time I traing at Vietinbank Mien Trung agency.

Specially, I want to give the sincere thankful to Miss. Nguyen Thi My Linh who always side by side and clear up and helping me complete my training.

Thank to credit officer of the credit department at Vietinbank Mien Trung agency always introduce me during the time I training.

Because my knowledge is limits so that I can not avoid the mistake, so that I want to hope the teacher will receive the opinion of the lecturer aim to my report is perfectly.

Finally I wish the teacher in Faculty of Banking and Finance always have a good health, believe to can introduce and continuosly teach to next generations.

Sincerely

Ho Chi Minh city, March in 2014

Student Signature

To Ngoc Thanh Phong

COMMENTS OF VIETINBANK MIEN TRUNG AGENCY

Ho Chi Minh city, ......, March , 2014

COMMENTS OF LECTURER

Ho Chi Minh city, ......, March , 2014

Signature

COMMENTS OF THE PRESENTATION LECTURER

Ho Chi Minh city, ......, March , 2014

Signature

CONTENTS

LIST OF TABLES, PICTURES AND CHARTS 06

ABBREVIATION 07

ABSTRACT 08

Chapter 1: LITERATURE REVIEW AND CONCERN PROBLEMS 09

1.1. Overview bad debt and credit risk 09

1.2.1. Bad debt and credit risk 11

1.2.2. Consequences of bad debt for the banks’ operations 12

1.2.3. The bad debt situation in Vietnam 13

1.2.4. Bad debt rate...