FACTORS AFFECTING BAD DEBT RATIO AT JOINT STOCK COMMERCIAL BANKS IN VIETNAM. TRA VINH UNIVERSITY JOURNAL OF SCIENCE, [S. l.], v. 12, n. 2, 2022. DOI: 10.35382/tvujs.1.47.2022.918. Disponível em: https://journal.tvu.edu.vn/index.php/journal/article/view/193. Acesso em: 3 aug. 2026.