Financial Capacity Affecting the Credit Lending Activities at the Commercial Banks Post-Covid-19 in Vietnam

For nearly 2 years, Vietnam's economy has been negatively impacted by the Covid-19 pandemic. In that context, individual customers play an essential role in developing commercial banks and the country's economic and social activities. With the competition of banks, customers can choose products and services. The customer will select the bank with the most practical effect and the best credit policy. If customers are unsatisfied with the bank's products or services, they are ready to immediately choose other banks' products and services. Therefore, taking care of old customers and attracting new customers is always an issue that many banks be solved. Therefore, the paper's primary goal is to explore critical factors affecting individual customers' credit lending at commercial banks post-Covid-19 in Vietnam. The data get from 700 individual customers lending credit with commercial banks and used structural equation modeling (SEM) and SPSS 20.0, Amos software. The paper finds five factors affecting individual customers' credit lending with a significance level of 0.01, and five hypotheses are accepted. The article's value determines the financial capacity's most substantial impact on individual customers' credit lending activities. Finally, the author had necessary recommendations for improved credit lending activities to develop effective consumer loan lending services. This service is formulated to meet the consumption needs of individuals, bring positive impacts to the whole society, and make an essential contribution to the economic growth of each country post-Covid19 epidemic.