This research project would not have been possible without the support of many
people. Firstly I wish to express my deep sincere gratitude to my supervisor, Dr. Tran
Ha Minh Quan for his invaluable advices and helps. Without him, this thesis could not
have been completed.
Special thanks to all instructors without whose knowledge and assistance this
study would not have been successful. My debt is also acknowledged to Dr. Barry
Clough from Dragon-Mekong-CTU for his kindness and help in English editing.
I would like to express my deepest gratitude and honor to my dear parents for
not only the love they devote to me but also for the time I took from them which
should have been my devotion to them in their aged time.
My thanks would also go to all of my classmates, mycolleagues, especially my
“old pals”, Nguyen Thanh Trung and Ms Dang Hai Yen for all of their friendship and
encouragement.
I also wish to thank my friends in Vietcombank, VPBank, Navibank and Tien
Phong bank for their great support. My thanks wouldalso go to the respondents,
without them, my thesis could not have been done.
Finally, my greatest thanks would go to my dear wife, Vu Thi Thuy Duong and
my two sons, Vu and Phuc who are my whole life and are the greatest inspiration and
encouragement for me to overcome all difficulties through the duration of my study.
