3.3.1. the subjective causes-In any business activity of the business, the two elements of risk and profit together together and the Bank's lending activities. If banks are too keen and ink without considering profitability criteria, reviews the safety criteria which you can encounter the risk of starvation can do the activity of the Bank. So, the transaction should boost the find out what potential customers to be able to support economic development. Besides, the information system of URBAN COMMERCIAL Vietnam in General and Agribank in particular still many inadequacies. The information is not updated regularly and fully to search, choose the information to customer due diligence, investment project evaluation also depends quite a lot on the qualifications and experience of credit officers, assessment officers.-Also works in the marketing branch was focused and have the but not yet obtained high results. Many customers have not yet capture is specified, information about the procedure, the necessary paperwork when going for loans should usually take more time, effort, led counting the psychology concerned with the exposure of the Bank.
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