To summarize, the credit granting process of VietinBank includes four principal steps: Interview, Investigation, Making Decisions and Disbursement. The roles of credit granting process is to determine the creditworthiness of the applicant; to investigate the relevant sources of information about the applicant to predict the unexpected risks and frauds which VietinBank might be faced; and to support the credit officer make appropriate and reasonable decisions for each applicant to reduce the risks and bring the profit to the VietinBank. Constructing the effective credit granting process is a motivation of bank to avoid credit risks, choosing appropriate client to offer rational products and building the healthy banking sector.
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