Abstract
The article uses secondary data to analyze the efficiency of lending for business and production of households at Vietnam Bank for Agriculture and Rural Development(Agribank), Pac Nam branch, Bac Kan province. The results show that the lending activities for business and production of households of the Agribank, Pac Nam branch have achieved good results: Loan turnovers and outstanding loans for households have increased over 3 years from 2018 to2020 withlow risk provisioning ratio, the ratio of overdue debts and bad debts to total outstanding loans have gradually decreased over the years, etc.In order to continue improving the efficiency of the lending of households, the Agribank Pac Nam branch need to regularly handle and monitor overdue debts to avoid risks for the bank; well perform credit appraisal, improve information quality, minimize risks in lending activities and well implement customer policies.
Keywords: Efficiency, lending, business and production of households, banks.
JEL classification: G21; 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
