Nhận thức tham nhũng và hoạt động cho vay của các ngân hàng thương mại Việt Nam
Nội dung chính của bài viết
Tóm tắt
Bài viết đánh giá ảnh hưởng của nhận thức tham nhũng đến hoạt động cho vay của các ngân hàng thương mại (NHTM) tại Việt Nam. Mẫu dữ liệu bảng gồm 28 NHTM trong giai đoạn từ 2012 đến 2022. Dữ liệu sử dụng trong bài viết được thu thập từ báo cáo tài chính đã kiểm toán của các NHTM, Ngân hàng Thế giới, và Tổ chức minh bạch Quốc tế. Kết quả từ ước lượng SGMM cho thấy chỉ số nhận thức tham nhũng (CPI) có mối quan hệ cùng chiều với tỷ lệ cho vay trên tổng tài sản (LOANS) và tốc độ tăng trưởng cho vay (GRLOANS) của các NHTM Việt Nam trong giai đoạn nghiên cứu. Mối quan hệ cùng chiều này hàm ý rằng, nâng cao nhận thức tham nhũng giúp cải thiện tính minh bạch của môi trường kinh doanh, qua đó, làm gia tăng hoạt động cho vay của các NHTM tại Việt Nam. Bên cạnh việc cung cấp những bằng chứng tiên phong về mối quan hệ giữa nhận thức tham nhũng và hoạt động cho vay của các NHTM tại Việt Nam, những phát hiện từ nghiên cứu cung cấp hàm ý chính sách cho cho các nhà quản lý ngân hàng và nhà hoạch định chính sách vĩ mô liên quan đến minh bạch trong mô trường kinh doanh thông qua việc nâng cao nhận thức tham nhũng và cải thiện hoạt động cho vay của các NHTM Việt Nam.
Abstract
This article examines the effect of corruption perception on the lending activities of commercial banks in Vietnam. A panel sample includes 28 commercial banks from 2012 to 2022. This research collected data from audited financial reports of commercial banks, the World Bank, and the International Transparency Organization. The results from SGMM estimation indicate a positive relationship between the Corruption Perception Index (CPI) and the loan-to-asset ratio (LOANS), as well as the loan growth rate (GRLOANS) of commercial banks in Vietnam during the study period. The positive relationship implies that enhancing corruption perception improves business environment transparency, thereby increasing commercial banks' lending activities in Vietnam. Additionally, by providing pioneering evidence on the relationship between corruption perception and lending activities of commercial banks in Vietnam, this paper's findings offer policy implications for bank managers and macroeconomic policymakers related to transparency in the business environment through enhancing corruption perception and improving lending activities of commercial banks in Vietnam.
Từ khóa
Hoạt động cho vay; Ngân hàng Thương mại; Nhận thức tham nhũng
Chi tiết bài viết
Lĩnh vực kinh tế (JEL Codes)
G21 - Banks • Depository Institutions • Micro Finance Institutions • Mortgages - G28 - Government Policy and Regulation - Financial Institutions and Services, K42 - Illegal Behavior and the Enforcement of Law - Legal Procedure, the Legal System, and Illegal Behavior
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