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