Loan Activities of Individual Customers at Bank for Investment and Development of Vietnam Nguyen Tuan branch

Commercial banks' personal customer loan products are service products, so customers' capital needs are the deciding factor in the bank's forms of personal customer loans. Customers' capital needs are the basis for building and expanding the Bank's personal loan product development strategy. The problem is that banks must detect those needs as quickly as possible to respond promptly because those who take the lead will have the advantage in attracting customers to them. Customers with different occupations, family and marital statuses, and different ages will have different financing needs. Customer's ability to meet loan conditions: These are the financial factors, income, ethics, and collateral of the customer that satisfy the bank's loan conditions to ensure safety. for loan. By directly surveying 120 individual customers who have been making credit transactions at Joint Stock Commercial Bank for Investment and Development Nguyen Tuan branch, the research has shown that factors affecting development Loan activities of individual customers include: Access information, length of credit relationship, reason for loan, loan term, loan purpose, loan procedures, loan interest rate, loan submission. Professional level of staff and officials, time limit for processing documents. Based on the current situation of analysis of factors affecting the development of credit activities at BIDV Nguyen Tuan, the author offers a number of solutions to develop the bank's credit activities in the coming time such as: Deploy products and services to young customers through digital banking applications, for interest rate factors, for bank employees, for loan procedures.