The study looked at what affects how easily banks in Vietnam can access money. They found that banks can improve their ability to get money by using the interbank market. Also, bigger loans can make it harder for banks to get money when they need it. Banks that manage credit risk well are better at managing their money. And when interest rates are high for a long time, banks might have trouble getting money. The study suggests ways for banks and government officials to manage the risk of not having enough money.