THE ENHANCEMENT OF CAPITAL MOBILIZATION IN BANK FOR INVESTMENT AND DEVELOPMENT OF VIETNAM (BIDV)

Abstract

Demand for using mobilized capital is greatly increasing in Vietnam and this presents a major obstacle for Bank for Investment and Development of Vietnam (BIDV). While measurements have been quickly implemented, the general sentiment of uncertainty persists, further causing problems for commercial banks. This research first identifies and analyzes the factors that influence to the enhancement of capital mobilization in BIDV in particular. It then discusses the related of these factors such as “marketing, interest rate, distribution network and security” toward the enhancement of capital through a questionnaire survey. The survey is conducted on 101 individual customers who are depositing in BIDV. Based on thorough analysis of multiple regression method, it indicated that “interest rate” and “security” are the most effective factors toward enhancement of capital. Contrast, “marketing” and “distribution network” don‟t affect upon BIDV‟s capital mobilization. In sum, it is concluded that marketing and distribution network services of BIDV need to improve more.