A challenging year passed. Differing from expectations, the global and Vietnam economies have not improved significantly yet. The government debt in Europe has not seen the light at end of tunnel, the US economy outlook is still gloomy, the global economy is in recession and unemployment is soaring, consumption and investment demand is dampened. On top the dark days, political disputes, ethnic conflicts, religious strife and territorial disputes have surfaced in hot spots. Especially, the conflict in the East Asia is escalating which may lead to war. Anxiety has gripped the world and has a negative impact on its economic growth. Similarly, the Vietnams macro-economy changed toward oscillated negatively