Thông thường đây sẽ là yếu tố quan

Thông thường đây sẽ là yếu tố quan tâm hàng đầu của các ngân hàng trong việc ra quyết định cấp tín dụng (Stein, 2005). Trong một nghiên cứu của (Ghuslan, et al., 2010), tác giả chỉ ra rằng credit analysis step được xem như một yếu tố quan trọng trong bank lending pratices. Ở bước này, các cán bộ tín dụng obtain as much information as possible on borrower such as lịch sử tín dụng, khả năng tài chính hiện tại… Ngân hàng thường áp dụng mô hình 5Cs (character, capacity, capital, collateral and conditions) of credit analysis to minimize risk as cited in (Wilson, 2016)

Results (English) 1:

Usually this will be the top concern of the Bank in the decision to grant credit (Stein, 2005). In a study of (Ghuslan, et al., 2010), the author points out that credit analysis step is seen as a key factor in bank lending pratices. In this step, the credit officer obtains as much information as possible on borrower such as credit history, current financial capabilities ... The Bank often applied model 5Cs (character, capacity, capital, collateral and conditions) of credit analysis to minimize risk as cited in (Wilson, 2016)

Results (English) 2:

Usually this will be the factor leading concern of banks in granting credit decision (Stein, 2005). In a study of (Ghuslan, et al., 2010), author credit analysis indicates that the step is seen as a key factor in the Bank Lending pratices. In this step, the loan officer as much information as possible The lấy on như borrower credit history, financial capacity ... The Bank currently applies 5Cs model (character, capacity, capital, collateral and conditions) analysis of credit risk to minimize as cited in (Wilson, 2016)