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Link tải miễn phí Luận văn: Improving lending activities for small and medium enterprises in Military Commercial Joint Stock Bank = Cải thiện hoạt động cho vay các doanh nghiệp vừa và nhỏ tại Ngân hàng thương mại cổ phần Quân đội Luận văn ThS. Kinh doanh và quản lý: 60 34 05
Nhà xuất bản: HSB
Ngày: 2011
Chủ đề: Quản trị kinh doanh
Hoạt động cho vay
Doanh Nghiệp
Ngân hàng
Miêu tả: 99 p. + CD-ROM
Luận văn ThS. Quản trị kinh doanh -- Khoa Quản trị Kinh doanh. Đại học Quốc gia Hà Nội, 2011
Lending activity for small and medium enterprises (SMEs) often occupies the biggest proportion of total loans in Vietnamese commercial banks. If these lending activities failed commercial banks would be in troubles, even at edge of bankruptcy. Therefore, lending activity for SMEs always attracts the consideration of bank managers as well as external investors. In this thesis, the author focuses on the SMEs lending activities in commercial banks especially in Military Bank. The objective is to understand the lending activities for SMEs in Military Bank, to find out the existing problems, causes, limitations of SMEs lending activities in Military Bank and to make recommendations or solutions to improve the SME lending activities for Military Bank. In Military Bank, the SMEs lending activities are relatively good as it is developing continuously and bringing huge profit for its shareholders. Nevertheless, there are still some problems in terms of the pace of credit growth and the quality of lending activities. Credit expansion in Military Bank (especial for SMEs) is, to some extent, running out of control, whereas non-performance loans ratio is on the increase. Besides that, the collateral and human resource problems should be noted with serious consideration. Some common problems of Military Bank and many commercial banks are: Credit officers do not supervise closely or understand clearly the business and operation of borrowing entrepreneurs; Test and control operation of SME department is not at the best level, having taken pass or forgotten a part of potential customers who are operating very effectively in Vietnam economy. The author remarks that Military Bank should keep SME loans growing at safer and more stable pace by changing the way to make loans and the way to select customer. Simultaneously, in order to improve the quality of lending activities, Military Bank needs to improve credit policy, quality of project due diligence, human resource, quality of information, control, supervision, debt collection, organization, management and setting a reasonable interest rate
ACKNOWLEDGEMENTS .................................................................................................i
ABSTRACT..........................................................................................................................ii
TÓM TẮT............................................................................................................................iv
TABLE OF CONTENTS ...................................................................................................vi
LIST OF ABBREVIATIONS ..........................................................................................viii
LIST OF TABLES..............................................................................................................ix
INTRODUCTION ............................................................................................................... 1
1. RATIONALE.................................................................................................................... 1
2. RESEARCH PROBLEM AND OBJECTIVES ........................................................................ 2
3. RESEARCH QUESTIONS .................................................................................................. 3
4. RESEARCH METHODOLOGY .......................................................................................... 3
4.1 DATA COLLECTION...................................................................................................... 3
4.2 DATA PROCESSING....................................................................................................... 3
5. RESEARCH SCOPE AND LIMITATIONS........................................................................... 3
6. RESEARCH STRUCTURE................................................................................................. 4
CHAPTER 1: LENDING ACTIVITIES FOR SMES IN COMMERCIAL BANKS.... 5
1.1 OVERVIEW OF SMES................................................................................................... 5
1.1.1 Definition of SMEs............................................................................................... 5
1.1.2 Features of SMEs.................................................................................................. 6
1.1.3 SMEs’s role in the economy................................................................................. 7
1.2 LENDING ACTIVITIES FOR SMES IN COMMERCIAL BANKS ........................................ 9
1.2.1 Overview of lending activities in commercial banks............................................ 9
1.2.2 Lending activities for SMEs in commercial banks............................................. 19
1.3 FACTORS AFFECTING LENDING ACTIVITIES FOR SMES OF COMMERCIAL BANKS.. 23
1.3.1 Internal factors .................................................................................................... 23
1.3.2 External factors ................................................................................................... 27
CHAPTER 2: LENDING ACTIVITIES FOR SMES IN MILITARY BANK .............. 0
2.1 OVERVIEW OF MILITARY BANK ................................................................................. 0
2.1.1 Establishment and development process .............................................................. 0
2.1.2 Organization model and business activities.......................................................... 3
2.1.3 Credit Risk Management of Military Bank .......................................................... 6
2.1.4 Current business performance .............................................................................. 8
2.2 LENDING ACTIVITIES FOR SMES IN MILITARY BANK ............................................... 9
2.3 ASSESSING LENDING ACTIVITIES FOR SMES IN MILITARY BANK........................... 31
2.3.1 The results........................................................................................................... 31
2.3.2 The existing problems and causes ...................................................................... 33
CHAPTER 3: SOLUTIONS AND RECOMMENDATIONS TO IMPROVE THE
SMES LENDING ACTIVITIES IN MILITARY BANK .............................................. 41
3.1 THE DEVELOPMENT ORIENTATION OF LENDING ACTIVITIES IN MILITARY BANK.. 41
3.2 SOLUTIONS TO IMPROVE LENDING ACTIVITIES FOR SMES IN MILITARY BANK .... 43
3.2.1 Military Bank should keep SME loans growing at safer and more stable pace . 43
3.2.2 Improving credit policy and process of lending activities .................................. 45
3.2.3 Improving quality of justification in making credit decision.............................. 47
3.2.4 Setting a reasonable interest rate......................................................................... 49
3.2.5 Improving quality of human resource................................................................. 51
3.2.6 Improving quality of information ....................................................................... 53
3.2.7 Improving control, internal supervision and debt collection .............................. 54
3.2.8 Improving organization and management operation .......................................... 56
3.3 RECOMMENDATIONS................................................................................................. 57
3.3.1 Recommendations for Vietnam State Bank........................................................ 57
3.3.2 Recommendations for Small and Medium Entrepreneurs .................................. 58
CONCLUSION .................................................................................................................... 0
REFERENCES..................................................................................................................... 2
APPENDICES...................................................................................................................... 4
1. Rationale
Coming with the common tendency of development in the world, Vietnamese banking and
finance industry is playing a more and more important role in prosperity of Vietnam
economy. When Vietnam officially integrated into the world economy and became the
member of World Trade Organization, activities of Vietnamese commercial banks were
very eventful and competitive in few years ago. Although the recent recession of the world
economy was caused by multinational financial institutions like insurances, banks,
securities... It’s difficult to deny the contributions of commercial banks in the past as well
as in the coming future. Commercial bank is a financial intermediary in money - credit that
supplies a series of important services helping the economy – subjects to join in payment
quickly, save cost of buying and selling goods, grab the business opportunities, provide
capital to ensure producing activity sustainable, create facilitations for enterprises and the
economy...
In all of products and services or utilities which commercial bank supplies, lending
activities always occupy the biggest percentage of total asset of commercial bank because
of the importance and special characteristics of its. By lending activities, capital will be
transferred from people who temporarily have surplus money to those who need money to
invest in the economy in order to make profit for them or contribute to develop the
economy. Moreover, this activity creates the biggest profit for Vietnamese commercial
banks, ensures that Vietnamese commercial bank will exist, develop and become
prosperous in the coming years.
Therefore, when I mention about Vietnamese commercial banks, I mention about lending
activities, but when I focus on lending activities, I would make consideration about lending
activities in SMEs. Lending activities for SMEs in Vietnamese commercial banks have
been developing very quickly in recent years as SMEs are playing a very important role in
solving employment problem, contributing to the growth of national economy, creating a
competitive environment to spur commodity market and so on. Currently, many SMEs are
in need of capital and the SMEs market is assessed to be very potential in the coming
years. Yet, if these lending activities are not handled effectively, they cannot bring the
prosperity for commercial banks, not to say they can even make commercial banks
collapse if borrowers cannot fulfil the repayment. Therefore, improving lending activities
for SMEs is very important to commercial banks.
In Military Bank, the lending activities for SMEs are good in fundamentals. Yet, although
the interest from loans and advances to small and medium customers has increased from
year to year and occupied a bigger proportion of total loans (about 51%), it is still not big
enough in comparison to the target of 60% set by the Board of Managers. Besides, there
are still non-performance loans of SMEs in the balance sheet of Military Bank, it is below
5% but still should be considered. In addition, the pace of credit growth of Military Bank is
too hot and not easy to manage whereas the ability of credit officers and credit-classified
system still has limitations
In short, it is necessary for Military Bank to find better ways to improve the lending
activities for SMEs, which is the reason why my thesis would be “Improving Lending
Activities for Small and Medium Enterprises in Military Bank”.
2. Research problem and objectives
Research problem: My thesis studies the SMEs lending activities in commercial banks,
especial in Military Bank. The research problem is how to improve the lending activities
for SMEs in Military Bank.
Research Objectives: With the above problem, this thesis would mention aspects of SMEs
lending activities of commercial banks, particularly in Military Bank. Objectives of
research would be understanding clearly the lending activities for SMEs in Military Bank,
from that the research would find out the existing problems, causes, limitations and then
make recommendations or solutions to improve the SMEs lending activities in Military
Bank. The summary of research objectives are:
- Review theory of lending activities in commercial banks.
- Clarify the SMEs lending activities in Military Bank.
- Make solutions or recommendations to improve the SMEs lending activities in Military
Bank.
3. Research questions
In order to have clearly, detail perception on SMEs lending activities of Military Bank and
find out the best solutions for Military Bank, the thesis or report must answer some
important questions related to the SMEs lending activities in Military Bank. There are
some mainly following questions:
- What are the indicators used to assess SMEs lending activities in commercial bank?
- How are the SMEs lending activities in Military Bank?
- How do the customers feel about the SMEs lending products of Military Bank?
- What are the factors that have significantly effected on the SMEs lending activities in
Military Bank?
- What should Military Bank do to improve its SMEs lending activities?
4. Research methodology
4.1 Data collection
In this thesis, secondary data would be used. Mainly considered secondary data was taken
from annual reports, financial reports, articles, websites, financial books and other previous
researches… related to lending activities of Military Bank. The author went to the library
and some Military Banks departments to collect secondary data.
4.2 Data processing
Basing on collected data, this thesis would coordinate some mainly methods like
comparison, analysis, statistics, synthesis, mathematic model … to find out existing
problems in SMEs lending activities at Military Bank, from that the causes and limitations
were determined then the best recommendations would be made for Military Bank in
improving SMEs lending activities.
5. Research Scope and Limitations
Scope: The thesis studied lending activities for SMEs in Military Bank and the research
focused on the situation of these issues in the 2007 → 2010 period.
CONCLUSION
The SMEs lending activities of Military Bank over the last several years can be
considered to be relatively good compared to its peers. The non-performance SME
loans ratio of around 3% is well below the 5%standard level of Vietnam state banks.
The collateral loans ratio is higher than 50%, the level that is deemed to be safe
according to industry standard. Thus, Military Bank has achieved significant success
as far as risk management is concerned. Military Bank’s financial results surpass
analysts’ expectation as well as its planned figures. Income from interests on loans
has increased remarkably over years especially in 2009. Moreover, Military Bank has
improved its loan structure dramatically. Military Bank has reduced loans for state
owned enterprises and diversified its loan portfolio across different industries. This
leads to a significant growth in both its lending activities despite the economic
recession Yet, there are still some existing problems which need to be solved. First,
loans and volume of loans of Military Bank has increased at a dangerously risky pace.
Military Bank made a lot of loans to real estate sector, which is facing many troubles
at the moment. Second, Military Bank only focus on customers who have had longterm relation with Military Bank, but forgot new good customers, the nonperformance loans ratio is still at the acceptable level yet, it is surging over the time
especially in 2009. If this trend continues, it will become very worrisome. Third, the
collateral loans ratio is also performing worse and approaching level of 50% that is
able to threaten the safety of Military Bank. Besides, the performance of Credit
Officers is not good enough. They’re not only lack of skill in collecting bad debt but
also lack of good attitude at work.
In order to exist and develop persistently in the long term with new sustainable
success, Military Bank should adopt some solutions which will improve lending
activities for SME such as improving quality of human resource, quality of control
and supervision, quality of information, quality of assessment and quality of risk
management... If Military Bank completes these jobs well, Military Bank will achieve
better targets which were set for coming years especial in the recovery process of the
world economy. The world economy as well as the Vietnam economy are unlikely
grow quickly and persistently immediately. There is able to be stagflation period after
recovery period because of stimulus programs of government which has pumped a
great amount of money into the economy, will spur inflation risk. Therefore, when the
inflation looms but unemployment rate still increase, the payroll continues
contracting, the stagflation condition will be serious and the economy will face the
difficulty. Of course, commercial banks which are blood line of the economy will
cope with troubles so Military Bank will have to manage to achieve new success.
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Nhà xuất bản: HSB
Ngày: 2011
Chủ đề: Quản trị kinh doanh
Hoạt động cho vay
Doanh Nghiệp
Ngân hàng
Miêu tả: 99 p. + CD-ROM
Luận văn ThS. Quản trị kinh doanh -- Khoa Quản trị Kinh doanh. Đại học Quốc gia Hà Nội, 2011
Lending activity for small and medium enterprises (SMEs) often occupies the biggest proportion of total loans in Vietnamese commercial banks. If these lending activities failed commercial banks would be in troubles, even at edge of bankruptcy. Therefore, lending activity for SMEs always attracts the consideration of bank managers as well as external investors. In this thesis, the author focuses on the SMEs lending activities in commercial banks especially in Military Bank. The objective is to understand the lending activities for SMEs in Military Bank, to find out the existing problems, causes, limitations of SMEs lending activities in Military Bank and to make recommendations or solutions to improve the SME lending activities for Military Bank. In Military Bank, the SMEs lending activities are relatively good as it is developing continuously and bringing huge profit for its shareholders. Nevertheless, there are still some problems in terms of the pace of credit growth and the quality of lending activities. Credit expansion in Military Bank (especial for SMEs) is, to some extent, running out of control, whereas non-performance loans ratio is on the increase. Besides that, the collateral and human resource problems should be noted with serious consideration. Some common problems of Military Bank and many commercial banks are: Credit officers do not supervise closely or understand clearly the business and operation of borrowing entrepreneurs; Test and control operation of SME department is not at the best level, having taken pass or forgotten a part of potential customers who are operating very effectively in Vietnam economy. The author remarks that Military Bank should keep SME loans growing at safer and more stable pace by changing the way to make loans and the way to select customer. Simultaneously, in order to improve the quality of lending activities, Military Bank needs to improve credit policy, quality of project due diligence, human resource, quality of information, control, supervision, debt collection, organization, management and setting a reasonable interest rate
ACKNOWLEDGEMENTS .................................................................................................i
ABSTRACT..........................................................................................................................ii
TÓM TẮT............................................................................................................................iv
TABLE OF CONTENTS ...................................................................................................vi
LIST OF ABBREVIATIONS ..........................................................................................viii
LIST OF TABLES..............................................................................................................ix
INTRODUCTION ............................................................................................................... 1
1. RATIONALE.................................................................................................................... 1
2. RESEARCH PROBLEM AND OBJECTIVES ........................................................................ 2
3. RESEARCH QUESTIONS .................................................................................................. 3
4. RESEARCH METHODOLOGY .......................................................................................... 3
4.1 DATA COLLECTION...................................................................................................... 3
4.2 DATA PROCESSING....................................................................................................... 3
5. RESEARCH SCOPE AND LIMITATIONS........................................................................... 3
6. RESEARCH STRUCTURE................................................................................................. 4
CHAPTER 1: LENDING ACTIVITIES FOR SMES IN COMMERCIAL BANKS.... 5
1.1 OVERVIEW OF SMES................................................................................................... 5
1.1.1 Definition of SMEs............................................................................................... 5
1.1.2 Features of SMEs.................................................................................................. 6
1.1.3 SMEs’s role in the economy................................................................................. 7
1.2 LENDING ACTIVITIES FOR SMES IN COMMERCIAL BANKS ........................................ 9
1.2.1 Overview of lending activities in commercial banks............................................ 9
1.2.2 Lending activities for SMEs in commercial banks............................................. 19
1.3 FACTORS AFFECTING LENDING ACTIVITIES FOR SMES OF COMMERCIAL BANKS.. 23
1.3.1 Internal factors .................................................................................................... 23
1.3.2 External factors ................................................................................................... 27
CHAPTER 2: LENDING ACTIVITIES FOR SMES IN MILITARY BANK .............. 0
2.1 OVERVIEW OF MILITARY BANK ................................................................................. 0
2.1.1 Establishment and development process .............................................................. 0
2.1.2 Organization model and business activities.......................................................... 3
2.1.3 Credit Risk Management of Military Bank .......................................................... 6
2.1.4 Current business performance .............................................................................. 8
2.2 LENDING ACTIVITIES FOR SMES IN MILITARY BANK ............................................... 9
2.3 ASSESSING LENDING ACTIVITIES FOR SMES IN MILITARY BANK........................... 31
2.3.1 The results........................................................................................................... 31
2.3.2 The existing problems and causes ...................................................................... 33
CHAPTER 3: SOLUTIONS AND RECOMMENDATIONS TO IMPROVE THE
SMES LENDING ACTIVITIES IN MILITARY BANK .............................................. 41
3.1 THE DEVELOPMENT ORIENTATION OF LENDING ACTIVITIES IN MILITARY BANK.. 41
3.2 SOLUTIONS TO IMPROVE LENDING ACTIVITIES FOR SMES IN MILITARY BANK .... 43
3.2.1 Military Bank should keep SME loans growing at safer and more stable pace . 43
3.2.2 Improving credit policy and process of lending activities .................................. 45
3.2.3 Improving quality of justification in making credit decision.............................. 47
3.2.4 Setting a reasonable interest rate......................................................................... 49
3.2.5 Improving quality of human resource................................................................. 51
3.2.6 Improving quality of information ....................................................................... 53
3.2.7 Improving control, internal supervision and debt collection .............................. 54
3.2.8 Improving organization and management operation .......................................... 56
3.3 RECOMMENDATIONS................................................................................................. 57
3.3.1 Recommendations for Vietnam State Bank........................................................ 57
3.3.2 Recommendations for Small and Medium Entrepreneurs .................................. 58
CONCLUSION .................................................................................................................... 0
REFERENCES..................................................................................................................... 2
APPENDICES...................................................................................................................... 4
1. Rationale
Coming with the common tendency of development in the world, Vietnamese banking and
finance industry is playing a more and more important role in prosperity of Vietnam
economy. When Vietnam officially integrated into the world economy and became the
member of World Trade Organization, activities of Vietnamese commercial banks were
very eventful and competitive in few years ago. Although the recent recession of the world
economy was caused by multinational financial institutions like insurances, banks,
securities... It’s difficult to deny the contributions of commercial banks in the past as well
as in the coming future. Commercial bank is a financial intermediary in money - credit that
supplies a series of important services helping the economy – subjects to join in payment
quickly, save cost of buying and selling goods, grab the business opportunities, provide
capital to ensure producing activity sustainable, create facilitations for enterprises and the
economy...
In all of products and services or utilities which commercial bank supplies, lending
activities always occupy the biggest percentage of total asset of commercial bank because
of the importance and special characteristics of its. By lending activities, capital will be
transferred from people who temporarily have surplus money to those who need money to
invest in the economy in order to make profit for them or contribute to develop the
economy. Moreover, this activity creates the biggest profit for Vietnamese commercial
banks, ensures that Vietnamese commercial bank will exist, develop and become
prosperous in the coming years.
Therefore, when I mention about Vietnamese commercial banks, I mention about lending
activities, but when I focus on lending activities, I would make consideration about lending
activities in SMEs. Lending activities for SMEs in Vietnamese commercial banks have
been developing very quickly in recent years as SMEs are playing a very important role in
solving employment problem, contributing to the growth of national economy, creating a
competitive environment to spur commodity market and so on. Currently, many SMEs are
in need of capital and the SMEs market is assessed to be very potential in the coming
years. Yet, if these lending activities are not handled effectively, they cannot bring the
prosperity for commercial banks, not to say they can even make commercial banks
collapse if borrowers cannot fulfil the repayment. Therefore, improving lending activities
for SMEs is very important to commercial banks.
In Military Bank, the lending activities for SMEs are good in fundamentals. Yet, although
the interest from loans and advances to small and medium customers has increased from
year to year and occupied a bigger proportion of total loans (about 51%), it is still not big
enough in comparison to the target of 60% set by the Board of Managers. Besides, there
are still non-performance loans of SMEs in the balance sheet of Military Bank, it is below
5% but still should be considered. In addition, the pace of credit growth of Military Bank is
too hot and not easy to manage whereas the ability of credit officers and credit-classified
system still has limitations
In short, it is necessary for Military Bank to find better ways to improve the lending
activities for SMEs, which is the reason why my thesis would be “Improving Lending
Activities for Small and Medium Enterprises in Military Bank”.
2. Research problem and objectives
Research problem: My thesis studies the SMEs lending activities in commercial banks,
especial in Military Bank. The research problem is how to improve the lending activities
for SMEs in Military Bank.
Research Objectives: With the above problem, this thesis would mention aspects of SMEs
lending activities of commercial banks, particularly in Military Bank. Objectives of
research would be understanding clearly the lending activities for SMEs in Military Bank,
from that the research would find out the existing problems, causes, limitations and then
make recommendations or solutions to improve the SMEs lending activities in Military
Bank. The summary of research objectives are:
- Review theory of lending activities in commercial banks.
- Clarify the SMEs lending activities in Military Bank.
- Make solutions or recommendations to improve the SMEs lending activities in Military
Bank.
3. Research questions
In order to have clearly, detail perception on SMEs lending activities of Military Bank and
find out the best solutions for Military Bank, the thesis or report must answer some
important questions related to the SMEs lending activities in Military Bank. There are
some mainly following questions:
- What are the indicators used to assess SMEs lending activities in commercial bank?
- How are the SMEs lending activities in Military Bank?
- How do the customers feel about the SMEs lending products of Military Bank?
- What are the factors that have significantly effected on the SMEs lending activities in
Military Bank?
- What should Military Bank do to improve its SMEs lending activities?
4. Research methodology
4.1 Data collection
In this thesis, secondary data would be used. Mainly considered secondary data was taken
from annual reports, financial reports, articles, websites, financial books and other previous
researches… related to lending activities of Military Bank. The author went to the library
and some Military Banks departments to collect secondary data.
4.2 Data processing
Basing on collected data, this thesis would coordinate some mainly methods like
comparison, analysis, statistics, synthesis, mathematic model … to find out existing
problems in SMEs lending activities at Military Bank, from that the causes and limitations
were determined then the best recommendations would be made for Military Bank in
improving SMEs lending activities.
5. Research Scope and Limitations
Scope: The thesis studied lending activities for SMEs in Military Bank and the research
focused on the situation of these issues in the 2007 → 2010 period.
CONCLUSION
The SMEs lending activities of Military Bank over the last several years can be
considered to be relatively good compared to its peers. The non-performance SME
loans ratio of around 3% is well below the 5%standard level of Vietnam state banks.
The collateral loans ratio is higher than 50%, the level that is deemed to be safe
according to industry standard. Thus, Military Bank has achieved significant success
as far as risk management is concerned. Military Bank’s financial results surpass
analysts’ expectation as well as its planned figures. Income from interests on loans
has increased remarkably over years especially in 2009. Moreover, Military Bank has
improved its loan structure dramatically. Military Bank has reduced loans for state
owned enterprises and diversified its loan portfolio across different industries. This
leads to a significant growth in both its lending activities despite the economic
recession Yet, there are still some existing problems which need to be solved. First,
loans and volume of loans of Military Bank has increased at a dangerously risky pace.
Military Bank made a lot of loans to real estate sector, which is facing many troubles
at the moment. Second, Military Bank only focus on customers who have had longterm relation with Military Bank, but forgot new good customers, the nonperformance loans ratio is still at the acceptable level yet, it is surging over the time
especially in 2009. If this trend continues, it will become very worrisome. Third, the
collateral loans ratio is also performing worse and approaching level of 50% that is
able to threaten the safety of Military Bank. Besides, the performance of Credit
Officers is not good enough. They’re not only lack of skill in collecting bad debt but
also lack of good attitude at work.
In order to exist and develop persistently in the long term with new sustainable
success, Military Bank should adopt some solutions which will improve lending
activities for SME such as improving quality of human resource, quality of control
and supervision, quality of information, quality of assessment and quality of risk
management... If Military Bank completes these jobs well, Military Bank will achieve
better targets which were set for coming years especial in the recovery process of the
world economy. The world economy as well as the Vietnam economy are unlikely
grow quickly and persistently immediately. There is able to be stagflation period after
recovery period because of stimulus programs of government which has pumped a
great amount of money into the economy, will spur inflation risk. Therefore, when the
inflation looms but unemployment rate still increase, the payroll continues
contracting, the stagflation condition will be serious and the economy will face the
difficulty. Of course, commercial banks which are blood line of the economy will
cope with troubles so Military Bank will have to manage to achieve new success.
Do Drive thay đổi chính sách, nên một số link cũ yêu cầu duyệt download. các bạn chỉ cần làm theo hướng dẫn.
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