... One of the important commitments of Vietnam when joining WTO is Vietnam's banking system will have to open wider on schedule. Besides the opportunities may have been, the banking system ... also have to cope with enormous challenges. The fact that lead to competition in the banking sector became more bitter and more cutthroat. So, to survive and to stand firm in the market economy, ... banks need to focus on improving the quality of service that they provide, especially lending service for business customers because it is main profitable operating for banks. This study applies...