影响越南商业银行信贷增长的因素

IF 1 Q3 ECONOMICS
Etikonomi Pub Date : 2022-06-24 DOI:10.15408/etk.v21i2.25559
T. T. Diep, Văn Thuận Nguyễn
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引用次数: 0

摘要

本研究分析了影响越南商业银行系统信贷增长的因素。本研究使用了2011年至2020年在HOSE、HNX和UPCOM交易所连续运营的16家商业银行的年度报告和财务报表数据。采用了两个线性回归模型,其中包含两个因变量:信贷增长率和信贷规模。研究结果表明,前一时期的信贷规模、资本调动的年增长率、银行规模和资产回报率(ROA)对越南商业银行的信贷增长产生了积极影响,而流动性比率对其产生了负面影响。此外,坏账率对信贷增长的影响尚不清楚。因此,对商业银行保持信贷稳定、安全、可持续增长提出了一些建议和建议。JEL分类:G21、E50、E52
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Factors Affecting Credit Growth of Vietnamese Commercial Banks
This research analyzes the factors that affect the credit growthof the Vietnamese commercial banking system. This study usedata from the annual reports and financial statements of 16commercial banks listed on the HOSE, HNX, and UPCOMexchanges that have operated continuously from 2011 to 2020.Two linear regression models were employed with two dependentvariables: the credit growth rate and credit size. The findingsindicate that credit size in the previous period, the annualgrowth rate of capital mobilization, bank size, and return onassets (ROA) positively affect the credit growth of Vietnamesecommercial banks while liquidity ratio negatively affects them.Also, the bad debt ratio’s effect on credit growth is unclear. Hence,some suggestions and recommendations are given for commercialbanks to maintain stable, safe, and sustainable credit growth.JEL Classification: G21, E50, E52
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来源期刊
Etikonomi
Etikonomi ECONOMICS-
自引率
12.50%
发文量
29
审稿时长
12 weeks
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