IJSRP, Volume 9, Issue 10, October 2019 Edition [ISSN 2250-3153]
Lai-Wang Wang, Ke-Duc Le, Thi-Duong Nguyen
Vietnams economy heavily relies on credit from the banking sector in the absence of other sources, which requires the state bank need to closely monitor lending to minimize bad debts. Loans play an important role in earning profit and efficiency of the bank. However, a bigger amount of loans may cause higher cost spent to monitor loans and manage the bigger loan portfolio.