By using the data collected from the whole 44 banks in the banking system in Vietnam from 2010-2012, the authors try to investigate the impacts of ownership structure on bank performance in Vietnamese banking system. Research results show that capital concentration and private ownership have positive impact on bank profitablity, the nonperforming loan ratio has negative relation with banks' profitability. Besides, the research results are also consistent with the previous researches (Nguyen, Tran & Pham, 2014) on the positive correlation of corporate governance and bank performance in Vietnam. The findings in this paper are also relevant with the previous researches in Kenya, China, Malaysia (Wen, 2010, Rokwaro, 2013). From these findings, some policy implications are also suggested as follow: (i) encourage the large shareholders participation the Board of Director to reduce the interest conflict in banks, (ii) enhance private ownership to increase bank profitability, (iii) improve the corporate governance of banks under international standards, and (iv) push-up the solving of non-performing loans in the bank restructuring in Vietnam.
Green Bank is a new concept that has been known in recent years, particularly for developing countries including Vietnam, because the requirements of environmental protection are trade-offs to achieve economic growth and development. Hence, it is generally accepted that the green bank is a model for banking in the future when it balances the benefits and cost between economic and environment of all stakeholders in the banking activities. This paper is an overview the new concept about green bank and the benefits of those to environment and economic. Then, it shows the international experiences from developed and developing countries. The lessons learnt withdraw will be useful for implementing in Vietnam, including: (i) enhancing the awareness of green banking of bank leaders, (ii) encouraging firms to make green investment to create green financing demand, (iii) developing the legal framework to encourage banks providing green finance.
By using the data collected from 70 largest banks in the ASEAN banking system in period from 2009 to 2013, the authors try to investigate the impacts of gender diversity in the board of managements (BOM) and board of directors (BOD) of corporate business on bank's performance in ASEAN banking system. Firm's performance is measured by return on assets (ROA) and return on equity (ROE). This analysis is done through descriptive statistics, correlation test and regression analysis. Research's result show that both percentages of women on board of managements have a significant and positive impact on firm's performance while percentage of women on boards of directors has a neutral effect on firm's performance in Malaysia. Besides, the results in this study is also relevant with total assets which is a control variable had positive impact on firms' performance. From these findings, this study also suggested that managerial and legislative efforts be balanced gender to more female candidates, on both board of director and top executive, order to gain better corporate governance.
This study investigated the determinants of accessibility to formal credit and its effects on living standards from 2010 to 2012 based on dataset of Vietnam Households Living Standards Survey (VHLSS) from the General Statistics Office of Vietnam and support of Eview 7 program. It is evident that average of education level, land area per capita, owned residential area affect is key factors of accessing to credit; meanwhile, average of education level affects the probability to require and amount of credit. Interestingly, we find that poor recognize by local and rate of non-farm income is positive factor of accessibility on formal credit; in addition, interest rate has statistically significant, implying has impact on loan amount. In otherwise, by using DID (Note 2) approach and OLS (Note 3) model for analyzing panel dataset in 2010, 2012; we find that have only impact of accessing to loan on education expense in short-term. Next, the results also indicate that enhance education level and rate of non-agriculture income lead to achievement of living standards.
The purpose of this paper is twofold. Firstly, we propose a specific method with a detailed questionnaire with 60 questions, divided into five main components: Shareholders and general shareholders' meeting; Board of directors; Supervisory board; Disclosure and transparency, auditing and Violations. Second, the method will then be applied to calculate the CGI for 40 Vietnamese commercial banks in three years 2010, 2011 and 2012. To our best knowledge, this is the first time that a questionnaire has been designed and applied to construct the CGI for the Vietnamese banking sector. And thirdly, statistical analysis has been performed to examine the characteristics of the results obtained from the questionnaire.
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