Evaluating the Capacity of Joint Stock Commercial Bank for Investment and Development of Vietnam Thanh Hoa Branch in Customer Financial Analysis

In a market economy, it is possible for businesses to lose money, stop operating or go bankrupt. In addition, the close relationship between businesses and commercial banks is inevitable, businesses want to have more capital by borrowing money from commercial banks, commercial banks practice lending operations for businesses to make profits. Therefore, when deciding to lend capital to businesses, they are very interested in the financial situation of the business through capital structure, solvency or profitability, etc. to ensure Ensure corporate customers have the ability to repay principal and interest. Credit activities of the Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV) Thanh Hoa branch in recent times have greatly contributed to the operational efficiency of BIDV in particular and contributed positively to the economy. General economics. However, currently the financial situation of borrowing businesses has many complex fluctuations due to the general context of the world economic situation, leading to many potential risks in lending activities. Therefore, one of the important solutions to improve credit quality requires BIDV Thanh Hoa to constantly improve the quality of financial analysis of corporate customers. Therefore, the closer the financial assessment of the borrowing business is to reality, the more it will improve the quality of BIDV Thanh Hoa's loans, helping the bank select customers with the best ability to borrow and repay. Reducing the rate of overdue debt or bad debt.