According to the company's report, synchronized management solutions led to a reduction in Mirae Asset Finance's bad debt ratio, decreasing from 13,49% at the end of 2024 to 10,60% by October. The company expects to achieve its target of 10,50% by the end of this year.

The company identifies bad debt control as a core task, intertwined with refining internal processes and human resource management models. Loans are categorized by risk level based on days overdue and repayment history. This allows specialized departments to monitor each customer group closely, providing timely support solutions.

Mirae Asset Finance prioritizes measures to support customers in fulfilling financial obligations, especially in cases of force majeure difficulties. The company proactively seeks legal advice when necessary, choosing appropriate solutions that balance the interests of all parties and comply with the law. For unrecoverable loans, the company fully allocates provisions to ensure operational transparency and safety.

Concurrently, Mirae Asset Finance enhances team capabilities by recruiting experienced financial personnel, strengthening internal communication, and conducting internal audits to standardize processes and ensure compliance in credit operations.

Van phong cong ty Tai chinh Mirae Asset tai 91 Pasteur, phuong Sai Gon, TP HCM. Anh: Mirae Asset

In customer relations, the company sets legal compliance and loan conditions as fundamental principles. For borrowers who demonstrate goodwill but face difficulties, the company applies solutions such as interest and fee waivers, debt restructuring, or timely contract liquidation, helping customers stabilize their finances and increasing the company's capital recovery capability.

Alongside internal efforts, the company maintains coordination with authorities and functional agencies in debt management and recovery, strictly adhering to regulations on credit growth and collateral management.

In the coming period, Mirae Asset Finance will continue to enhance credit quality by intensifying loan monitoring and closely evaluating customers and collateral. The company is also accelerating technology application and developing an internal credit scoring system to effectively screen customers, aiming for safe, sustainable credit operations.

Mirae Asset Finance Company Limited (Vietnam) is a member of Mirae Asset Group (Korea), operating since 2010. The company currently provides services to over 3 million customers through a nationwide network with more than 25,000 points of sale (POS). Over 15 years of operation, the company has aimed to offer customers access to safe and legal capital sources by continuously improving its consumer loan products.

Thai Anh

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