Credit activity of the banks in general and of the join stock banks in the area of Ho Chi Minh City (HCMC) in particular have an important contribution to economic growth health and poverty alleviation through providing capital to the economy, boosting investment, creating jobs and implementing social welfare. With the important role of bank credit, the safety, health and efficiency of the system of finance institutions (FIs) is an important factor for stability of the national financial system and the macroeconomics. However, due to the impact of the financial crisis spread around the world comes from the rapidly developed financial markets with the new model, business activity, the variety of complex financial products, involves greater risk; management framework and banking supervision as well as cognitive and credit activity safety standards are not being upgraded make the financial safety and stability level decreased. In Vietnam, the credit activity gradually implemented within the framework of ever-improving legal and international experience drawn from the crisis to apply in accordance with the specific situation in Vietnam. The international standard for risk management for each form of credit, credit limits, inspection, monitoring, . institutionalized and implemented. However, credit activity in Vietnam and in HCM City also contains many risks because of developing large-scale credit. The government and the State Bank of Vietnam (SBV) has a number of solutions designed to manage stable credit activity and motivated to diversify credit activity in the commercial banks in HCM City However, the credit activity in Vietnam and Hochiminh city still containts risks. Iin the process of implementing policies, some commercial banks still have not made a compliance with regulations on credit and lending is the primary activity, many commercial banks in the area have not yet diversify credit activity and risky. The law is not uniform and synchronous; development orientation to diversify credit activity not timely; regulatory activity are not appropriate to facilitate the diversification of credit activity; inspection and supervision activity should be more complete. These are the requirements for state management, which should be completed soon and having state management solutions, creating a favorable environment for commercial banks to diversify credit activity, contribute to limit operational risks in credit activity of commercial banks and to better meet the needs of capital for socio-economic development in the area
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