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Abstract

This study uses the Binary Logistic regression model to measure the probability of overdue debt of Small and Medium Enterprises (SMEs) at Vietnam Joint Stock Commercial Bank for Industry and Trade - Thua Thien Hue Branch. The research focuses on clarifying the factors affecting the repayment ability of customers through the factors that come from the characteristics of the loan itself and the characteristics of the SME. The results have identified 04 factors that have a positive impact and 04 factors that have a negative impact on the probability of overdue debt of SMEs. This result mayhelp VietinBank - Thua Thien Hue Branch to be applied to the screening of SME customers before lending to limit the risk of overdue debt. Base on this, we proposed some solutions on each factor for VietinBank - Thua Thien Hue Branch to apply in credit rating and appraisal before lending to SMEs customers.

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How to Cite
Nguyễn , H. P. . T., & Lê, T. T. L. (2021). MEASURING THE PROBABILITY OF OVERDUE DEBT OF SMALL AND MEDIUM ENTERPRISES AT VIETNAM JOINT STOCK COMMERCIAL BANK FOR INDUSTRY AND TRADE - THUA THIEN HUE BRANCH. Journal of Economics &Amp; Management Science, (20). Retrieved from https://tapchi.hce.edu.vn/index.php/sjme/article/view/81
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Các bài báo
Author Biographies

Hồ Phương Thảo Nguyễn

Khoa Kế toán - Tài Chính, trường Đại học Kinh tế, Đại học Huế

Thị Thanh Lộc Lê

Ngân hàng Nhà nước - Chi nhánh tỉnh Đồng Nai