S: Though applied many measures in preventing, discovering and improving the efficiency of the work of handling bad debt, however in fact deploy still more restrictions in handling bad debt, mostly due to objective factors, such as: identification and measurement of credit quality has not exactly , limited to inspection of the Bank's internal control, restrictions on human resource quality.First, about the cause to recognize and measure credit quality is inaccurate. The measurement of the current credit quality of Vietinbank primarily based on the client's financial statements. For the small and medium enterprises, the quality of financial reporting was not high, the figures more when not reflect accurately on the financial situation of the business. The cause of this is due to the accounting system of Vietnam is not yet a match with world standards, accounting regime of Vietnam's more general point, compliance with the law in accounting as well as the audit was not high.Second, regarding the inspection of internal control. With more than 150 system vietinbank branches, spread throughout the province into the country, the volume of work for internal audit is huge. Therefore, the internal audit Agency have yet to cover most of the whole banking system persists. It is also the present limitations of centralized management model.Third, about the limitations of human resource quality. But the Bank leadership has focused over the training to improve the quality of human resources, but remained a division of officers do not meet the General growth of the industry, the rapid changes of the market. In the banking system, still exists at a certain rate of bad debt incurred by the issue of professional ethics of the credit officer. Due to pressure on the target, or the personal interests that some credit officers do not comply with the process, regulations on credit, causing losses for the Bank.
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