Factors affecting household lending of Bank for Investment and Development of Vietnam, Quang Binh Branch

Abstract

Households loan is one of the lending channel that ensure stability and efficiency to commercial banks (CBs) in recent
years. The paper examines the behavior of households in the use of credit services, the factors affecting the household
lending activities of Investment Bank for Investment and Development Vietnam Quang Binh Branch (BIDV Quang Binh).
It then provide some practical solutions to BIDV Quang Binh in particular and the banking system in general regarding
the reasonable credit policy formulation.