Question 1

Personal credit scoring

Criteria Score Weighted Final Score
Age 22 years old 25 10% 2.5
Academic level Graduated 75 10% 7.5
Criminal Record None 100 10% 10
Residence Status Renting 25 10% 2.5
Number of residents <3 100 10% 10
Family Structure Live with others 50 10% 5
Part 1: Personaility
Life Insurance None 0 10% 0
Occupation Seasonal labor 25 10% 2.5
Duration of current
<1 year 0 0
occupation 10%
Place of occupation State Agency 100 10% 10
Total 100% 50

Stable monthly net

3,000,000 VND 0 30% 0
surplus money

All debt payments /

No other debts 100 30% 30
Total take home pays
Part 2: Capacity
Debt payment
No information 0 25% 0
situation
Other banking services
Current account at VCB 50 15% 7.5
at our bank
Total 100% 37.5

Total scores 42.5

Rating CC
Risk Potential High

Collateral Evaluation
Criteria Result Scores

Collateral: secured by
Type of collaterals a car formed from 25
lending contract

VF 5Plus with full

Value of collaterals/ Total
battery price: 153.71% 75
debts
538 000 000 VND
Flucutation of asset price in 2 Depreciation of 2 years
80% 20% 50
years of VF 5Plus
Remaining use value of
VF 5Plus
Collateral Rating
Scores Rating Collateral Evaluation
150 B Average

Question 2
Summary and Decision
Matrix combined credit rating and collateral
 The bank should deny his approval
as he has a high personal risk
Credit rating/Collateral potential, and the value of his
B
Rating collateral for the proposal is just on
average, which is not reccomended
for a lending proposal.

CC Deny

Question 3
Some recommendations for A Nguyen to improve his credit scores and rating
He should consider opening a
credit card and paying bills on
Establish a credit
time every month to start
history
building a positive credit
history.

As A Nguyen is a graduate, he
should make small purchases
Use credit responsibly
on his credit card and pay off
the balance in full each month

A Nguyen could find a job to

ensure a stable and regular
Look for additional
income source, which can
jobs
demonstrate financial stability
to lenders.

A Nguyen should avoid taking

Limit debt and manage on excessive debt and ensure
existing loans timely repayment of any
existing loans or debts.

Having life insurance

coverage can provide
Consider obtaining life
additional financial security
insurance
and potentially improve
creditworthiness.
107,600,000.00 ₫

430,400,000.00 ₫