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, Law and Management 1, no. Q1 (June 30, 2017): 27-41. Accessed April 28, 2025. https://stdjelm.scienceandtechnology.com.vn/index.php/stdjelm/article/view/432.