臺灣博碩士論文加值系統

在現有的商業銀行經營中，信貸是銀行的主要銷售業務領域，也是金融市場尚未發展的企業重要基金渠道。
在越南目前的市場上，中小企業（SME）佔企業總數的97％。因此，過去一段時間以來，商業銀行尤其感興趣的是為客戶創造投資的貸款是中小企業。原因在於中小企業市場潛力巨大，對中小企業進行投資的風險較低，符合本行風險分散化的要求。
但近年來，經濟困難已經對企業造成重大影響，尤其是中小企業導致了破產的情況。這直接影響到銀行信貸的運作。因此，為提高信用質量，提高安全和業務效率，中小企業貸款的財務評估是必不可少的，也是銀行關注的重點。
BIDV-紅河分行是河內首府規模較大的信用機構之一。中小企業貸款佔貸款總額的比例很高。但上一次貸款的財務評估工作有限，導致貸款風險和首府城市流失。
在論文的框架下，筆者結合理論與實踐，對中小企業貸款財務評價工作的基本問題進行了綜述，分析評價了中小企業形象財務評價，找出造成這一工作局限性的原因，提出一些解決方案，以提高BIDV-Hong Ha分行中小企業貸款的財務評價質量。筆者認為，本篇論文是符合什麼機構的期望。

In the operation of the current commercial banks, credit is a business area resulting in the primary sales for banks and this is also an important fund channel for enterprises when the financial markets has not been developed yet.
On the Vietnam's current market, small and medium enterprises (SMEs) account for 97% of the total number of enterprises. Therefore, commercial banks in the past time, especially interested in lending to create investments for customers are SMEs. The reason is that the market SMEs is very potential; investing in the object SMEs is low risk and meets the requirements for risk diversification of the Bank.
However, in recent years, the difficulties of the economy have caused significant impacts on enterprises, especially SMEs leads to the situation of declaring bankruptcy. This directly affects the operation of the bank credit. Therefore, to improve credit quality, safety and business efficiency, financial evaluation in loans for SMEs is essential and more concern by the banks.
BIDV - Hong Ha Branch is one of the credit institutions with a large scale in the Ha Noi capital city. Loan operation for SMEs accounts for the high proportion of total outstanding loans. However, financial evaluation work in loans in the last time has been limited, which results in loan risks and loss of capital city.
In the framework of this thesis, the author combines theory and practice to have an overview look of the basic issues relating to the work of the financial evaluation in loans to SMEs, analyzes assessing the situation financial evaluation for SMEs in BIDV - Hong Ha branch, finds the causes of the limitations of this work to propose some solutions to improve the quality of financial evaluation in loan for SMEs in BIDV -Hong Ha branch. The author believes that this dissertation is consistent with what agencies expect.

摘要 i
Abstract ii
Acknowledgements iii
目錄 iv
List of Tables vi
List of Figures vii
CHAPTER 1 : THESIS OVERVIEW 1
1.1. Emergency of the topic 1
1.2. Overview on topic research 2
1.3. Research objectives 2
1.4. Research subject and scope 2
1.5. Thesis structure 3
CHAPTER 2 : THEORETICAL BACKGROUND IN FINANCIAL APPRAISAL IN LENDING ACTIVITY FOR SMALL AND MEDIUM ENTERPRISES OF COMMERCIAL BANKS 4
2.1. Lending activity for SMEs by commercial banks 4
2.2. Financial appraisal in lending to SMEs of commercial banks 15
2.3. Factors influencing financial appraisal in lending to SMEs of commercial banks 22
CHAPTER 3 : RESEARCH METHODOLOGY 26
3.1. Data collection method 26
3.2. Data analysis method 26
CHAPTER 4 : RESEARCH FINDINGS AND ANALYSIS 28
4.1. Overview of BIDV – HONG HA branch 28
4.2. Situation of the financial evaluation in loans to SMEs in the Bank - Hong Ha Branch 34
4.3. Assessing the financial appraisal of loans to SMEs at BIDV - Hong Ha branch 53
CHAPTER 5 : SULOTIONS TO IMPROVING FINANCIAL EVALUATION IN LENDING IN THE SME AT THE BIDV- HONG HA BRANCH 59
5.1. Directions and goals of financial appraisal in lending activity in the SME at the BIDV- Hong Ha Branch 59
5.2. Solutions to improve the financial appraisal of SME lending at Bank for Investment and Development of Hong Ha 61
5.3. Some recommendations 68
References 72

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www.hasmea.org
www.bidv.com.vn