Financial inclusion and risk – taking behavior: Empirical evidence from the Vietnamese Banking sector
On January 22, 2020, the Prime Minister issued Decision No. 149/QD-TTG approving the National Comprehensive Financial Strategy to 2025, with a vision to 2030. Many studies show that Banks have always played an important role in promoting financial inclusion in countries. Therefore, banks need to con...
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| Định dạng: | Research Paper |
| Ngôn ngữ: | English |
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University of Economics Ho Chi Minh City
2024
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| Truy cập trực tuyến: | https://digital.lib.ueh.edu.vn/handle/UEH/71383 |
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oai:localhost:UEH-713832024-07-12T20:01:33Z Financial inclusion and risk – taking behavior: Empirical evidence from the Vietnamese Banking sector Phạm Cao Ngọc Tân Lê Đạt Chí Nguyễn Hồ Xuân Trà Phan Nguyễn Anh Quân Lê Mai Huệ Financial inclusion Risk-taking behavior Vietnamese banks On January 22, 2020, the Prime Minister issued Decision No. 149/QD-TTG approving the National Comprehensive Financial Strategy to 2025, with a vision to 2030. Many studies show that Banks have always played an important role in promoting financial inclusion in countries. Therefore, banks need to consider financial inclusion as a major business opportunity and perfect the business model. This study focuses on analyzing the aspects of financial inclusion as well as the risk-taking behavior of the banking system, assessing in the most general and accurate way the impact of financial inclusion. on the risk-taking behavior of the banking system of 33 banks in Vietnam in the period 2011-2021. Empirical evidence shows that the higher the leverage ratio, the more banks in Vietnam tend to accept financial risks. In contrast, banks will tend to be less risk-averse with high overall performance, high capital adequacy ratio, high bank concentration, and high average return on assets. 2024-07-12T03:11:31Z 2024-07-12T03:11:31Z 2023 Research Paper https://digital.lib.ueh.edu.vn/handle/UEH/71383 en Giải thưởng Nhà nghiên cứu trẻ UEH 2023 reserved 70 p. University of Economics Ho Chi Minh City |
| institution |
Đại học Kinh tế Thành phố Hồ Chí Minh |
| collection |
DSpaceUEH |
| language |
English |
| topic |
Financial inclusion Risk-taking behavior Vietnamese banks |
| spellingShingle |
Financial inclusion Risk-taking behavior Vietnamese banks Phạm Cao Ngọc Tân Financial inclusion and risk – taking behavior: Empirical evidence from the Vietnamese Banking sector |
| description |
On January 22, 2020, the Prime Minister issued Decision No. 149/QD-TTG approving the National Comprehensive Financial Strategy to 2025, with a vision to 2030. Many studies show that Banks have always played an important role in promoting financial inclusion in countries. Therefore, banks need to consider financial inclusion as a major business opportunity and perfect the business model. This study focuses on analyzing the aspects of financial inclusion as well as the risk-taking behavior of the banking system, assessing in the most general and accurate way the impact of financial inclusion. on the risk-taking behavior of the banking system of 33 banks in Vietnam in the period 2011-2021. Empirical evidence shows that the higher the leverage ratio, the more banks in Vietnam tend to accept financial risks. In contrast, banks will tend to be less risk-averse with high overall performance, high capital adequacy ratio, high bank concentration, and high average return on assets. |
| author2 |
Lê Đạt Chí |
| author_facet |
Lê Đạt Chí Phạm Cao Ngọc Tân |
| format |
Research Paper |
| author |
Phạm Cao Ngọc Tân |
| author_sort |
Phạm Cao Ngọc Tân |
| title |
Financial inclusion and risk – taking behavior: Empirical evidence from the Vietnamese Banking sector |
| title_short |
Financial inclusion and risk – taking behavior: Empirical evidence from the Vietnamese Banking sector |
| title_full |
Financial inclusion and risk – taking behavior: Empirical evidence from the Vietnamese Banking sector |
| title_fullStr |
Financial inclusion and risk – taking behavior: Empirical evidence from the Vietnamese Banking sector |
| title_full_unstemmed |
Financial inclusion and risk – taking behavior: Empirical evidence from the Vietnamese Banking sector |
| title_sort |
financial inclusion and risk – taking behavior: empirical evidence from the vietnamese banking sector |
| publisher |
University of Economics Ho Chi Minh City |
| publishDate |
2024 |
| url |
https://digital.lib.ueh.edu.vn/handle/UEH/71383 |
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AT phamcaongoctan financialinclusionandrisktakingbehaviorempiricalevidencefromthevietnamesebankingsector |
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