The banking industry is becoming a more and more important part in Vietnam economy. Even in Vietnam, the banking industry is new and does not fully develop; it is still impressing with the performance over the past 20 years. Since 1988, when Vietnam government decided to open the economy and allowed the commercial banks to operate, Vietnam has quite large number of commercial banks both domestic and international. The commercial banks are now very necessary, especially when we are in the middle of development. Vietnam banking sector is still young and incomplete, specifically in the credit management aspect. According to renowned credit rating agencies, Vietnam banks’ creditworthiness is quite weak, even more in the crisis time. Credit risk has caused the turbulences in the U.S economy, as well as in the global economy. It takes my interest to study on this field to see the fact of credit risk management in one of the most famous banks in Vietnam, Techcombank.