Le Dinh Hac
Credit is the primary and most crucial activity in commercial banks' business operations. This activity brings a significant income source for banks but still contains many risks, of which too high credit risk will significantly affect the banking business. Therefore, the article explores factors affecting commercial banks' credit quality in Ho Chi Minh City (HCMC). The author applied a simple random sampling technique, tested Cronbach's Alpha and Confirmatory Factor Analysis (CFA), and model testing with Structural Equation Modeling (SEM). Besides, the study surveyed 800 staffs related to credit activities in 10 commercial banks and answered 28 questions, but 755 samples were processed. The article's findings had six factors affecting commercial banks' credit quality in HCMC with a significance level of 0.01. Based on the mentioned above, the author had recommendations for enhancing the credit quality of commercial banks.