Improve the experience for customers: borrowers When factors improve the experience of customers increased, the borrowers credit risks in commercial banks is reduced and vice versa. This means that: If the client at the same time fully prepared right and sufficient records according to advice; Customers share information in an honest way when the latest issue of loans; When loans are collateral accordingly as prescribed by the Bank, you can reduce the credit risks in the Bank. Based on the real and original research as far as Assoc. DR. Zhang Dong Loc and master Nguyen Thi Tuyet if own capital for the borrower in project the greater the possibility of lower credit risk and vice versa. In addition this study also pointed out that the use of the true purpose of the loan the borrower has the ability to limit the credit risk for the Bank. According to that study the factors that affect credit risk in commercial banks of the author also gives out the results coincide with the original research.
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