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Реструктуризация банковской системы: пример Вьетнама // Restructuring the Banking System: the Case of Vietnam

Author

Listed:
  • T. To D.

    (Banking Academy of Vietnam)

  • Т. То Д.

    (Банковская академия Вьетнама)

Abstract

This paper aims at studying the restructuring of commercial banks that has been started since 2008 in Vietnam by analysing in two angles: Efficiency and Stability of the banking system. Firstly, the paper applies a modified Data Envelopment Analysis (DEA) model in 2 cases to estimate the changes of the efficiency by analyse the E-scores of 26 commercial banks from 2008 to 2012 and examine the profits and productions efficiency of 7 DMUs of the Vietnamese banking system in 2 years 2011 and 2013. Secondly, this study will calculate the Z-scores and T-test by using SPSS program to assess the stability of the banking system. Moreover, this study uses quantitative and qualitative methods to assess and quantify the results of the Vietnam commercial banks’ restructuring under the Decision No. 254/QD-TTg. The results showed that Vietnamese banking system remained stable during the process and contributed to economic growth, however the results were quite limited and lacks of long-term effects, such as many restructuring objectives were not achieved thorough handling bad debt, cross-ownership, improving governance and enhance the operational efficiency of commercial banks. In particular, the major cause of these problems is due to the lack of a general approach to the overall handling of the issue of restructuring commercial banking system, particularly is missing a legal framework for the systematic implementation of the restructuring process in the context of economic restructure. В статье проанализирована реструктуризация коммерческих банков, начатая во Вьетнаме в 2008 г., с двух точек зрения: эффективности банковской системы и стабильности банковской системы. В двух случаях применена модифицированная модель анализа среды функционирования (АСФ) для оценки эффективности изменений с помощью анализа Е-рангов 26 коммерческих банков в период с 2008 по 2012 г. Проанализированы прибыль и эффективность 7 DMU банковской системы Вьетнама в период с 2011 по 2013 г. Рассчитаны Z-ранги и Т-тест для оценки стабильности банковской системы с помощью программы SPSS. Для оценки результатов реструктуризации банковской системы в соответствии с распоряжением № 254/QD-NNg применены как количественные методы оценки, так и качественные методы. Результаты анализа показали, что банковская система Вьетнама остается стабильной, содействует экономическому росту, хотя некоторые цели реструктуризации не были полностью достигнуты, например проблемы безнадежных долгов, перекрестного владения титулами собственности, повышения уровня управления, улучшения эффективности оперативной деятельности банков.

Suggested Citation

  • T. To D. & Т. То Д., 2016. "Реструктуризация банковской системы: пример Вьетнама // Restructuring the Banking System: the Case of Vietnam," Вестник исследований бизнеса и экономики // Review of Business and Economics Studies, Федеральное Государственное Образовательное Бюджетное Учреждение Высшего Образования "Финансовый Университет При Правительстве Российской Федерации" (Финансовый Университет), vol. 4(4), pages 32-54.
  • Handle: RePEc:scn:00rbes:y:2016:i:4:p:32-54
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    References listed on IDEAS

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