Abstract
Using appropriate scientific methods to reach research objectives, the article has some important contents such as: systemizing theoretical basis for consumer loans; clarifying the current situation of consumer loans, thereby making assessments and proposing solutions to develop consumer loans at Vietnam Bank for Agriculture and Rural Development – Thai Nguyen branch (Agribank Thai Nguyen). The research results show that consumer lending activities in Agribank Thai Nguyen still have some shortcomings as follows: Medium-term consumer loans account for a large proportion; bad debt is quite high, and the bank has not yet reduced the ratio of bad debt to overdue debt; loan appraisal, loan control and loan analysis are limited, so credit quality still has potential risks; Consumer loan products are not diverse and suitable for many customers.
Keywords: Consumer loans, Agribank Thai Nguyen, outstanding balance.
JEL classification: G21; G23; G24
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Ban biên tập Tạp chí Kinh tế & Quản trị Kinh doanh
Phòng 514, Nhà điều hành, trường Đại học Kinh tế & Quản trị Kinh doanh
Địa chỉ: Phường Tân Thịnh, thành phố Thái Nguyên
Email: tapchikt-qtkd@tueba.edu.vn; Điện thoại: 0208.3903373
