Người được phỏng vấn cũng giải thíc

Người được phỏng vấn cũng giải thích rằng một số đặc tính của thị trường như việc chứng minh khả năng trả nợ của khách hàng và lãi suất thỏa thuận khiến ngân hàng e ngại các khoản tín dụng này. Banks usually have more interest and concern with high value and short-term loans, because according to banks it is attractive, can make high profit and has low risk, and banks have to choose priorities in term of bank resources constraint. Ngoài ra, vấn đề về tài sản đảm bảo cũng được Agribank quan tâm bởi vì những rủi ro lớn từ phía người vay. Vấn đề thứ ba được nhắc đến là nguồn vốn của ngân hàng. Với nguồn vốn tự có hạn chế và chủ yếu là nguồn ngắn hạn, Agribank thường hạn chế cho vay trung và dài hạn. Thêm nữa, cơ chế quản lý hoạt động tín dụng cũng ảnh hưởng trực tiếp đến xu hướng và quyết định cho vay.

Results (English) 1:

Interviewees also explained that some of the characteristics of the market as proof of repayment ability of clients and the interest rate agreement causes banks afraid of credits. Banks usually have more interest and concern with high value and short-term loans, because according to banks it is attractive, can make high profit and has low risk, and banks have to choose priorities in term of bank resources constraint. In addition, collateral issues are also of interest because of the Agribank big risks from the borrower. The third problem is referred to as the Bank's capital. With own capital limited and mostly short-term sources, Agribank is usually restricted to medium and long term loans. Furthermore, active management of credit also directly influence trends and lending decisions.

Results (English) 2:

Interviewees also explained that some of the characteristics of the market as the proven ability to repay interest of the customer and the bank agreed that fears of this credit. Banks have more interest and concern Thường with high short-term value and loans, banks theo vì it is attractive, can make profit and has low risk high, and banks have to choose Priorities constraint in term of bank resources. In addition, the problem of collateral Agribank also concerned because the major risk from borrowers. The third problem is referred to as the capital of banks. With their own capital limitations and mainly short-term sources, Agribank often limited medium and long term loans. Furthermore, the management mechanism of credit activities also directly affect the trend and lending decisions.