Tran, Van. “FACTORS AFFECTING BAD DEBT RATIO AT JOINT STOCK COMMERCIAL BANKS IN VIETNAM”. TRA VINH UNIVERSITY JOURNAL OF SCIENCE; p-ISSN: 2815-6072; e-ISSN: 2815-6099 12, no. 47 (June 29, 2022): 21-28. Accessed April 26, 2024. https://journal.tvu.edu.vn/index.php/journal/article/view/918.