Số No. 05 (36) (36)-2025 Journal of Finance & Accounting Research - Trang 121

Tóm tắt tiếng Việt:

English Summary:

In the context where individual lending plays an increasingly important role in the operations of joint stock commercial banks (JSCBs) in Vietnam, credit appraisal has become a decisive factor in determining lending quality and risk management. This paper focuses on analyzing the factors influencing the quality of credit appraisal for individual customers. On that basis, several recommendations are proposed to improve credit appraisal quality, thereby contributing to reducing non-performing loans and promoting sustainable development for JSCBs in the integration era.

Từ khóa: credit appraisal; individual customers; joint stock commercial banks; credit risk; appraisal process.

Số lượt đọc: 53 - Số lượt tải về: 37

DOI Code: https://doi.org/10.71374/jfar.v25.i5.24