Nguyen, Hien, and Hang Nguyen. “State - Owned Commercial Banks and the Implementation of Scheme for Restructuring the System of Credit Institutions in the Period of 2011 - 2015”. VNUHCM Journal of Economics, Business and Law 1, no. Q1 (June 30, 2017): 27-41. Accessed April 7, 2026. https://ebl.vnuhcmjournal.com.vn/index.php/ebl/article/view/432.