Author(s): Phan Anh, Dinh Tran Ngoc Huy, Dao Minh Phuc
During industry 4.0 with effects from US-China commerce war, in bank sector in emerging markets such as Vietnam, we need to enhance better database for bank risk and bank sustainable development. This is one goal of this study, esp. under applications of IoTs and internet data. Currently there are about 7 big banks in Vietnam listed on stock exchange and have enough data in period 211-200 for us to present a study case or an example of risk database modeling. Banks in Vietnam has gained big achievements and play a major roles in providing loans and financial services to socio-economy and contribute to community activities over years. But there are certain weaknesses in risk database modeling. This study mainly use combination of quantitative methods (statistics, calculation formulas) and qualitative methods including synthesis, inductive and explanatory methods. The research findings tell us that Organizing better Risk management information system with support of software and showing in forms of charts, figures and tables will provide data for management to analyze, and for establish suitable risk policies: For instance, because CPI has negative higher effects on market risks of banks, Ministry of Finance, State bank of Vietnam and relevant agencies need to control inflation (not decreasing so much) for managing risk. Besides, this study also give out recommendations for enhancing risk an sustainability database of banks in digital era.