CHAPTER 3: SOME RECOMMENDATIONS AND OPTIONS FOR IMPROVING CREDIT ACTIVITIES IN SMALL AND MEDIUM ENTERPRISES VPBANK
3.1 Orientation credit investment for small and medium businesses of VP
Based on the recommendations and orientations investment credit for small and medium businesses of VP Bank is presented above, I propose a number of measures later to develop and improve the credit operations of small and medium enterprises at VP Bank:
3.1.1. Diversification of credit operations for small and medium-sized enterprises
, as we have said, the area of small and medium enterprises are very diverse in terms of size, business lines, very flexible, so the demand for volume loan, loan term, interest payment, principal ... is not the same. Therefore, banks have noticed the motto "Get Effective Business Plan target of serving", given the type of TD to suit each customer's request.
- diversification of types, engine Credit structure for small and medium enterprises
in the structure of loans for small and medium enterprises with the imbalance in industrial sectors that banks need to adjust the ratio of lending to processing industries and construction Basic construction is relatively small, so you need to have the strategic orientation, the study provides insights into the business plan, the project feasibility of these subjects in order to expand and diversify the bank trades Investment goods.
Promoting long-term loans to help small and medium businesses can invest fixed assets, modern machinery to produce these products increased use features matching requirements markets, increase the competitiveness of enterprises.
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