Abstract
In this paper, the author has conducted researches and investigations about risk management in Vietnamese commercial banking system. 210 observations from companies were collected by survey and SPSS software was used to perform Maddala’s Binary logistics regression model (1984) to find out individual impacting factors that affect the loan repayment ability of corporate customers. Results from above process were aligned by affecting power for better evaluation, thus support banking managers in disbursement decision making, reducecredit risks.