This paper aims to analyze risk factors in ATM transactions. Both qualitative and quantitative methods are employed to address risk factors and their origin, and then tailor some fundamental measures to tackle such risks. The study has pointed out some risks such as short-changing, robbery, wrong debit, ATM skimming, etc. in ATM transactions.

Monetary policy is one of macroeconomic policies, by which the central bank controls and regulates money supply or interest rates to stabilize prices, attain economic growth, and create employment. In 2011, global economic instabilities and intrinsic problems of the domestic economy challenged the operation of macroeconomic policies in general and the monetary policy of the SBV in particular. As a state authority of currency and banking activities, the bank has attained some achievements by implementing strictly and cautiously the monetary policy, which contributes to the realization of general macroeconomic targets prioritized for inflation restriction, macroeconomic stabilization, and social welfare. The economic goals for the next few years such as macroeconomic stabilization, enhancement of economic growth quality, and unpredictable changes in the global economy remain challenges to the implementation of SBV monetary policy.

Restructuring the economy and adopting a new growth model are topical issues that attract great attention currently. The paper tries to provide a panoramic view over Vietnam?s growth model in the past two decades. The growth model Vietnam has been building seemed suitable at first but becomes unsuitable when facing demands from the domestic economy and challenges posed by economic integration in the context of global competition. What are characteristics of the growth model adopted by Vietnam? What consequences has it produced? What are characteristics of an expected model and how can it be realized? These are questions that the paper wants to discuss to a certain extent.

Achievements of the 2011 budget and finance tasks have contributed a lot to inflation curb, macroeconomic stabilization, social welfare, hunger eradication and poverty alleviation, etc. Yet the year 2012 might witness more difficulties, requiring us to be active and determined to fulfill budget and finance tasks in particular and socioeconomic targets in general in order to lay a solid foundation for the successful completion of the five-year plan (2011-2015) and the ten-year strategy (2011-2020).

Vietnam?s real estate bubble has busted while the local market has been volatile and sensitive to socioeconomic effects (i.e. changes in policy, fluctuations in money and gold markets, etc.). The paper tries to assess factors influencing decisions to put money in real estate either as a supplier or a consumer and then suggest some solutions to the sustainable growth of the realty market in terms of demand and supply sides. The data is collated via surveys and direct interviews with real estate investors in HCMC as from Oct. 25, 2011 to Nov. 15, 2011; and the sampling population is 215 investors. The multiple linear regression results show that real estate investment decisions are influenced by five factors: (1) the governmental policy on the realty market, (2) property tax and land-use fees, (3) national economic factors, (4) socio-cultural factors and population, and (5) impacts of related markets. The regression function also reveals the significance of each variable to real estate investment decisions. Accordingly, these provide a solid foundation for solutions to the sustainable growth of Vietnam?s realty market.

This paper investigates the effect of adult education on income growth in developing countries worldwide with an emphasis on the case of Vietnam. The Vector Autoregressive model for panel data (Panel VAR) is employed to examine any possible two-way causality between a pair of variables. The results show that adult education raises income growth in Vietnam more than in other developing countries. On the reverse causality, we find that the effect of income growth on adult education is lower in Vietnam than in other countries. We also find that the effect of income growth on male education is less than that of the female education in Vietnam.

Rural agriculture has been playing an essential role in the Vietnamese economy. The Vietnamese Communist Party (VCP) and Government regard agricultural development and farmer life enhancement as top priorities. In reality, however, there are so many targets to accomplish in order to motivate the overall development of agriculture. Among these is credit supply that is indispensable for agricultural development. Therefore, this paper presents facts of credit supply for the agricultural sector, and its outstanding problems and limitations. Based on these findings, some suggestions will be made to increase credit supply for agricultural development in Vietnam.