FACTORS AFFECTING CREDIT GROWTH OF VIETNAMESE COMMERCIAL BANKS IN THE PERIOD 2011 – 2020
Abstract & Details
Research Area
Bank, Finance, etc.
Keywords
credit growth
commercial banks
economic growth
Abstract
The research uses data collected from financial statements combined with income reports of 25 commercial banks operating in Vietnam from 2011 to 2020. Using quantitative methods, the authors built a regression model according to three main approaches: Pooled OLS regression model, FEM model and REM model and then performed tests to select the suitable model. The results show that GDP growth rate, Average loan interest rate and Return-on-equity have a positive on Credit growth rate; Non-performing loan, Inflation have a negative effect on Credit growth rate at Vietnamese commercial banks. The authors provide recommendations purpose to find the right direction to stabilize and enhance credit growth in the future.
License
This work is licensed under a Creative
Commons
Attribution-ShareAlike 4.0 International License.
Author Information
| # | Name | Institute / Affiliation |
|---|---|---|
| 1 | NGUYEN HOANG GIANG | Vietnam Joint Stock Commercial Bank for Industry and Trade |
| 2 | TRAN TRUONG NGOC TAN | Vietnam Joint Stock Commercial Bank for Industry and Trade |
How to Cite
Use the following formats to cite this article in your research.
APA Style
GIANG, NGUYEN HOANG & TAN, TRAN TRUONG NGOC (2025). FACTORS AFFECTING CREDIT GROWTH OF VIETNAMESE COMMERCIAL BANKS IN THE PERIOD 2011 – 2020. International Journal of Advance Research and Innovative Ideas In Education, 11(1), 1046-1058.
MLA Style
GIANG, NGUYEN HOANG, and TRAN TRUONG NGOC TAN. "FACTORS AFFECTING CREDIT GROWTH OF VIETNAMESE COMMERCIAL BANKS IN THE PERIOD 2011 – 2020." International Journal of Advance Research and Innovative Ideas In Education, vol. 11, no. 1, 2025, pp. 1046-1058.
IEEE Style
NGUYEN HOANG GIANG and TRAN TRUONG NGOC TAN, "FACTORS AFFECTING CREDIT GROWTH OF VIETNAMESE COMMERCIAL BANKS IN THE PERIOD 2011 – 2020," International Journal of Advance Research and Innovative Ideas In Education, vol. 11, no. 1, pp. 1046-1058, 2025.
Vancouver Style
GIANG NGUYEN HOANG, TAN TRAN TRUONG NGOC. FACTORS AFFECTING CREDIT GROWTH OF VIETNAMESE COMMERCIAL BANKS IN THE PERIOD 2011 – 2020. International Journal of Advance Research and Innovative Ideas In Education. 2025;11(1):1046-1058.
Harvard Style
GIANG, NGUYEN HOANG & TAN, TRAN TRUONG NGOC (2025) 'FACTORS AFFECTING CREDIT GROWTH OF VIETNAMESE COMMERCIAL BANKS IN THE PERIOD 2011 – 2020', International Journal of Advance Research and Innovative Ideas In Education, 11(1), pp. 1046-1058.
Chicago Style
GIANG, NGUYEN HOANG and TRAN TRUONG NGOC TAN. "FACTORS AFFECTING CREDIT GROWTH OF VIETNAMESE COMMERCIAL BANKS IN THE PERIOD 2011 – 2020." International Journal of Advance Research and Innovative Ideas In Education 11, no. 1 (2025): 1046-1058.
Turabian Style
GIANG, NGUYEN HOANG and TRAN TRUONG NGOC TAN. "FACTORS AFFECTING CREDIT GROWTH OF VIETNAMESE COMMERCIAL BANKS IN THE PERIOD 2011 – 2020." International Journal of Advance Research and Innovative Ideas In Education 11, no. 1 (2025): 1046-1058.
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