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Determinants of The Accessibility of Vietnamese Enterprises to Capital from Banks and Credit Institutions
(Kinh Tế Quốc Dân, 2019) Nguyen, Thi Hong Nham; To, Trung Thanh
The diffilty of enterprises in accessing capital is one of the barriers for development of Vietnamese enterprises in general and small and medium enterprises (SMEs) in particular. Diffilt accessibility to capital forces enterprises to pay additional costs (both formal and informal) in order to obtain loans, thereby increasing their cost of production. This research using the Multilogistic model accesses the factors that inflence accessibility to capital from fiancial institutions (banks and credit institutions) and uses sample survey data from 695 enterprises implemented in December 2017. The research points out that besides the factors related to the business and institutional environment, the factors related to the internal problems of enterprises such as size, ownership form, age of the enterprise, collateral, return on assets (ROA), quality of business reports... or informal expenses, all affct accessibility to loans from fiancial institutions. Based on that, the author proposes a number of recommendations to improve accessibility to these loans for enterprises in general and SMEs in particular in Vietnam in the current period.