As the uncertainty of technology development and market needs increases due to changes in the global business environment, the interest and demand for R&D activities of individual companies are increasing. To respond to these environmental changes, technology commercialization players are paying great attention to enhancing the qualitative competitiveness of R&D. In particular, R&D companies in the marine and fishery sector face many difficulties compared to other industries. For example, the R&D environment is barren, it is challenging to secure R&D human resources, and it is facing a somewhat more difficult environment compared to other sectors, such as the difficulty in maintaining R&D continuity due to the turnover rate of researchers. In this study, based on the empirical data and patent status of private companies closely related to the R&D technology status, big data analysis, and simulation analysis methods were used to identify the relative position of individual companies' R&D capabilities and industrial perspectives. In this study, based on industrial evidence and patent applications closely related to the R&D technology status, the R&D capabilities of individual companies were evaluated using extensive data analysis and simulation analysis methods, and a statistical test was performed to analyze if there were differences in capabilities from an industrial point of view. At this time, the industries to be analyzed were based on all sectors, the maritime industry, the fisheries industry, and the maritime industry integration sector. In conclusion, it was analyzed that there was a certain level of difference in the R&D capabilities of individual companies in each industry sector, Therefore when developing a future R&D capability system, it was confirmed that it was necessary to separate the population for each industry and establish a strategy.

The study seeks to explore the factors affecting the access to credits by individual customers at commercial banks in Tra Vinh province, Vietnam. Based on these results, the author proposes solutions to further improve the ability to serve individual customers at commercial banks in the province in the future. The study was conducted with a method of collecting primary data of 300 individual customers including 150 people with access to credits and 150 people without accessing to credits at six commercial banks in Tra Vinh Province, Viet Nam – Bank of Agriculture and Rural Development, Bank for Foreign Trade Commercial Bank, Bank for Investment and Development of Vietnam, Asia Commercial Bank in Tra Vinh, Sai Gon Commercial Joint Stock Bank, and Bank of East Asia. The author has used binary regression methods, and the study found that seven factors affecting the ability of individual customers to access capital, namely, career, qualifications, collaterals, incomes, documents, loan and business plans, and experience. In particular, occupation, experience, and documents are the most influential factors. From the above results, the author proposes policy implications to improve individual customers’ access to credits at commercial banks in Tra Vinh province in the near future.