Study On the Influence of Lending Decisions on Small and Medium Enterprises at Vietinbank Tien Giang

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Ai Huu Tran, Nguyên Le Thi Minh


Small and medium-sized enterprises (SMEs) in the world are an indispensable part of the national economy. Customer information is always an important input data for the banking industry. Currently, banks are facing the problem of information asymmetry because borrowers provide unreliable and transparent information (data on financial and non-financial statements). Research approaches the theory of distribution of bank credit capital based on the theory of Asymmetric Information; The theory of adverse selection of credit markets; Moral hazard theory; Social capital theory; Theory of application in banking administration. The results of the factors affecting the bank's lending decision from high to low: (1) Information about the relationship with the bank (MQHNH) (ES = 0.207, P = 0.000); (2) Information on the capacity of the owner of the enterprise (NLCSH) (ES = 0.158, P = 0.005); (3) Social Information (ESR) (ES = 0.111, P = 0.020); (4) Information on Collateral (TSTC) (ES = 0.100, P = 0.022); (5) Information on Corporate Finance (TCDN) (ES = 0.088, P = 0.005) and (6) Information on Credit History (LSTD) (ES = 0.070, P = 0.009).

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