The credit process is established for the entire system is the standard implementation of branch and tight.Delinquent debt has always been tightly controlled and limited the overdue debt is considered one of the top goals of the branch. After implementing debt classification classification according to decision 493/2005/QĐ-NHNN, credit quality has gradually been tightly controlled, specific to each period, each industry, each of the economic sectors, credit risks can arise and extracted set amount expected risk prevention under each quarter instead of extract formed at the end of the year to gain the initiative in the financial plan. Next to it is the system of internal credit rating branch was to accurately reflect the credit quality according to international practices, thereby giving the solution control, handling of delinquent debt. Have to say this is one of the causes for the overdue debt. Have to say this is one of the causes for the overdue debt accounted for only a very small percentage.
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