3.1.4. Strengthening the consulting activities for small and medium enterprisesThe Bank may expand the consulting activities for small and medium enterprises such as information technology, market, tastes, determine a reasonable capital structure, production process management business, calculate the input, the output of the market and long term effectiveness.In addition, the Bank should organize a network of information to help businesses.3.1.5. To improve the quality of credit evaluation for small and medium enterprises, make the right Credit processThe system of professional text VPBank Credit issued must comply with under the General provisions of the NHTW and must constantly be adding perfection to create a legal environment for credit operations. In the lending process, evaluation is a most important step, is a continuous process from the crawl to sewed the analysis of that information to decide whether or not the loan.-Collect informationCredit information is the first important elements that need Bank lending decisions. Credit officers to gather information from many different sources, channels, can choose to filter the information effectively, as such will ensure to avoid risk when lending decisions, businesses have the opportunity to borrow capital. Credit officers should:+ Consider information from the borrower interviews, from the books of banks to see the loan paid relationship of KH.+ Need to capture information through the news media, in collaboration with the credit information center (CIC), NHTW information from colleagues, friends. Vpbank also need to establish a regular relationship with the room, Board, the Center supports the small and medium enterprises at local branch offices, to provide the most complete information about the business activities of small and medium enterprises.+ In addition to the information from the financial statements, Credit officers need to actively go survey the situation at the base of the business. Thus, the Bank can capture information about the ability of general business, business management capacity, the current and future needs of the KH is another way.
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