Luanvan

TRNG I HC AN GIANG
KHOA KINH T - QUN TR KINH DOANH
---------------
LUN VN TT NGHIP
PHN TCH HIU QU TN DNG

CNG THNG NGHIP V TIU DNG
TI NGN HNG CHU CHI NHNH AN GIANG
GIO VIN HNG DN:

Th.S: BI THANH QUANG
Thng 04 - 2004
SINH VIN THC HIN:

NGUYN NGC CHU THY
LP: H1TC2
MSSV: DTC 002566
MC LC
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Trang
PHN M U.. 1
1. L do chn ti
2. Mc tiu nghin cu
3. Phng php nghin cu.............................................................................
4. Phm vi nghin cu... ....................................................................................
PHN II: NI DUNG ........................................................................................
Chng 1: C S L Lun...................................................................................
1.1. Khi qut v tn dng........................................................................................
1.1.1. Khi nim ..................................................................................................
1.1.2. Cc hnh thc tn dng ............................................................................
1.1.3. Vai tr ca tn dng..................................................................................
1.1.4. Phng thc cho vay................................................................................
1.1.5. m bo tn dng .....................................................................................
1.1.5.1. Vai tr ca m bo tn dng ..........................................................
1.1.5.2. Cc hnh thc m bo tn dng .....................................................
1.1.5.2.1. m bo i vt ........................................................................
1.1.5.2.2. m bo i nhn. ....................................................................
10
1.1.6. Ri ro tn dng..........................................................................................
11
1.1.6.1. Khi nim...........................................................................................
11
1.1.6.2. Nhng thit hi do ri ro tn dng gy ra.......................................
12
1.1.6.3. Nguyn nhn dn n ri ro tn dng.............................................
12
1.2. Mt s ch tiu dng nh gi hiu qu tn dng.......................................
13
1.2.1. Doanh s cho vay .....................................................................................
13
1.2.2. Doanh s thu n .......................................................................................
13
1.2.3. D n cho vay...........................................................................................
13
1.2.4. N qu hn ...............................................................................................
13
1.2.5. T l d n trn vn huy ng................................................................
13
1.2.6. H s thu n..............................................................................................
14
1.2.7. T l n qu hn ......................................................................................
14
Chng 2: Gii Thiu V Ngn Hng Chu Chi Nhnh An Giang........
15
2.1. Lch s hnh thnh v pht trin .....................................................................
15
2.1.1. Ngn hng Chu...................................................................................
15
2.1.2. Ngn hng Chu chi nhnh An Giang...............................................
16
2.2. B my qun l ca Ngn hng Chu chi nhnh An Giang........................
16
2.2.1. S t chc............................................................................................
16
2.2.2. Chc nng cc phng ban.......................................................................
17
2.2.2.1. Phng hnh chnh nhn s...............................................................
17
2.2.2.2. Phng tn dng v thanh ton quc t. ...........................................
17
2.2.2.3. Phng giao dch ngn qu. ...............................................................
17
2.2.2.4. Phng k ton. ...................................................................................
17
2.3. Lnh vc kinh doanh v mt s vn lin quan n tn dng CTN v TD.
18
2.3.1. Lnh vc kinh doanh. ..............................................................................
18
2.3.2. Mt s vn lin quan n tn dng CTN v TD................................
18
2.4. nh gi chung v hat ng kinh doanh.......................................................
22
Chng 3: Phn Tch Hiu Qu Tn Dng Cng Thng nghip...............
24
3.1. nh gi tng ngun vn v vn huy ng......................................................
24
3.2. Phn tch hiu qu tn dng CTN v TD..........................................................
26
3.2.1. Phn tch doanh s cho vay CTN v TD.................................................
26
3.2.1.1 Theo thi hn tn dng. ......................................................................
26
3.2.1.2 Theo thnh phn kinh t ....................................................................
29
3.2.2. Phn tch doanh s thu n CTN v TD. .................................................
32
3.2.2.1 Theo thi hn tn dng. ......................................................................
32
3.2.2.2 Theo thnh phn kinh t. ...................................................................
34
3.2.3. Phn tch d n cho vay CTN v TD.....................................................
38
3.2.3.1 Theo thi hn tn dng. ......................................................................
38
3.2.3.2 Theo thnh phn kinh t. ...................................................................
40
3.2.4. Phn tch n qu hn cho vay CTN v TD.............................................
43
3.2.4.1. Theo thi hn tn dng.. ....................................................................
43
3.2.4.2. Theo thnh phn kinh t ...................................................................
46
3.2.5. Phn tch d n cho vay CTN v TD trn vn huy ng .....................
49
3.2.6. Phn tch h s thu n cho vay CTN v TD ...........................................
50
3.2.7. T l n qu hn cho vay CTN v TD. ...................................................
51
3.3. Thc trng chung v tn dng CTN v TD ti ACB An Giang ....................
51
Chng 4: Gii Php Nhm Nng Cao Hiu Qu Tn Dng CTN v TD.
55
4.1. nh hng m rng tn dng CTN v TD ti Ngn hng Chu An Giang. 55

4.2. Cc gii php nhm nng cao hiu qu tn dng CTN v TD. ......................
55
4.3. Bin php nng cao hiu qu tn dng CTN v TD.........................................
56
4.3.1. S kt hp ca nhiu phng thc cho vay. ..........................................
56
4.3.2. Cho vay theo li sut tha thun.............................................................
57
4.3.3. Tng cng cng tc thm nh, kim tra..............................................
57
4.3.4. Xp hng khch hng theo mc ri ro tn dng...............................
58
4.3.5. Thnh lp cng ty mua bn n v x l ti sn. ....................................
59
4.3.6. Xy dng c ch tn dng ph hp. ........................................................
59
4.4. Cc bin php khc............................................................................................
60
4.4.1. Marketing. .................................................................................................
60
4.4.1.1. Tm kim khch hng........................................................................
60
4.4.1.2. Thu ht khch hng...........................................................................
60
4.4.2. Nhn vin...................................................................................................
61
PHN KT LUN KIN NGH................................................................
62
I. Kt lun...................................................................................................................
62
II. Kin ngh...............................................................................................................
62
DANH MC BIU BNG

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BNG
Trang
Bng 1: Kt qu kinh doanh....................................................................................
22
Bng 2: Tng ngun vn Ngn hng.......................................................................
25
Bng 3: Doanh s cho vay theo thi hn tn dng.................................................
27
Bng 4: Doanh s cho vay theo thnh phn kinh t..............................................
30
Bng 5: Doanh s thu n theo thi hn tn dng...................................................
33
Bng 6: Doanh s thu n theo thnh phn kinh t................................................
36
Bng 7: D n cho vay theo thi hn tn dng......................................................
39
Bng 8: D n cho vay theo thnh phn kinh t ...................................................
42
Bng 9: N qu hn theo thi hn tn dng...........................................................
45
Bng 10: N qu hn theo thnh phn kinh t......................................................
47
Bng 11: D n trn tng ngun vn .....................................................................
49
Bng 12: D n trn vn huy ng.........................................................................
50
Bng 13: H s thu n CTN v TD .........................................................................
50
Bng 14: T l n qu hn.......................................................................................
51
Bng 15: Tng doanh s cho vay ca Ngn hng Chu An Giang ..................
52
DANH MC BIU
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BIU
Trang
Biu 1: Doanh s cho vay CTN v TD...............................................................
31
Biu 2: Doanh s thu n CTN v TD ................................................................
37
Biu 3: D n cho vay CTN v TD ...................................................................
43
Biu 4: N qu hn cho vay CTN v TD...........................................................
48
Biu 5: C cu cho vay ti ACB An Giang .......................................................
53
LI CM T
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Qua 4 nm hc tp v rn luyn di ging ng i hc, kt hp vi thi gian thc

tp ti Ngn hng Chu chi nhnh An Giang, Em hc v tch ly c nhiu kin thc qu
bu cho mnh. Lun vn tt nghip ny c hon thnh l s kt hp gia l thuyt hc v
thc t trong thi gian thc tp.
c kin thc hon thnh lun vn tt nghip l nh s ging dy tn tnh ca qu thy
c Trng i Hc An Giang , s hng dn tn tm ca thy Bi Thanh Quang v s gip
nhit tnh ca cc anh ch cn b vin chc trong Ngn hng Chu chi nhnh An Giang.
Xin chn thnh cm n:
- Qu thy c Khoa Kinh T - Qun Tr Kinh Doanh Trng i Hc An Giang.
- Thy Bi Thanh Quang.
- Ban lnh o Ngn hng Chu chi nhnh An Giang:
+ ng: L Vn Hng (Gim c).
+ ng: Phan Vn Hong (Ph gim c).
+ ng: Nguyn B Long (Trng phng tn dng).
+ ng: Dip Quc m (Ph phng tn dng).
Cng tt c anh ch cn b vin chc cc phng ban trong Ngn hng gip , ch bo
v to mi iu kin thun li cho Em hon thnh lun vn tt nghip.
Sau cng Em knh chc qu thy c Trng i Hc An Giang cng cc anh ch trong
Ngn hng Chu chi nhnh An Giang di do sc khe v lun thnh cng trong cng tc.
Sinh vin thc hin
Nguyn Ngc Chu Thy
DIN GII VIT TT

@@
Trong lun vn c s dng cc cm t vit tt sau:

ACB
: Asia Commercial - Bank
CN
: C nhn
CP
: Chi ph
CTN
: Cng thng nghip
DN
: D n
DNTN
: Doanh nghip t nhn
DSTN
: Doanh s thu n
DSCV
: Doanh s cho vay
DT
: Doanh thu
LNTT
: Li nhun trc thu
LNR
: Li nhun rng
NQH
: N qu hn
TD
: Tiu dng
TTNDN
: Thu thu nhp doanh nghip
TG
: Tin gi
TGTK
: Tin gi tit kim
TGTT
: Tin gi thanh ton
TPKT
: Thnh phn kinh t
TI LIU THAM KHO

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1. H Diu, Tn dng ngn hng, nh xut bn thng k, 1999.

2. Dng Th Bnh Minh (ch bin), L thuyt ti chnh tin t, Trng i Hc
Kinh T - Khoa Ti chnh nh nc, Nh xut bn gio dc, 1999.
3. Nguyn Th Mi, L thuyt tin t v ngn hng, Nh xut bn xy dng, 2001.
4. Nguyn ng Dn (ch bin), Tin t ngn hng, Nh xut bn TPHCM, 1998.
5. L Vn T + Ng Hng, Tin t v ngn hng, nh xut bn thng k, 2000.
6. L Vn T (ch bin), Tin t tn dng v ngn hng, nh xut bn thng k,
1997.
7. L Vn T + L Tng Vn + L Nam Hi, Tin t ngn hng - Th trng ti
chnh, nh xut bn thng k, 1999.
8. Cc vn bn v hot ng tn dng, Ngn hng nng nghip v pht trin nng
thn, lu hnh ni b, 2001.
9. Gio trnh l thuyt tin t v ngn hng, Hc vin ngn hng,2000.
10. Thng tin cng tc t tng, Tnh y An Giang, s 2 nm 2004.
NHN XT CA C QUAN THC TP

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NHN XT CA GIO VIN HNG DN

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NHN XT CA GIO VIN PHN BIN 1

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NHN XT CA GIO VIN PHN BIN 2

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Phn tch hiu qu tn dng Cng thng nghip v Tiu dng.
PHN M U
1. L do chn ti.
Thc hin ch trng Cng nghip ha - Hin i ha t nc a Vit Nam chuyn
t mt nc nng nghip tr thnh nc cng nghip pht trin An Giang y mnh qu trnh
ny theo hng tng t trng GDP cng thng nghip v dch v, gim t trng GDP nng
nghip trong c cu GDP vi nhiu gii php hu hiu An Giang t c mt s thnh
tu sau: c cu kinh t c tin b vi t trng nng nghip cn 37.65%, cng nghip v xy
dng 12.73%, dch v gn 50% vt k hoch; nm 2003 tc tng trng GDP t 9.13%
(vt 0.63% ngh quyt ra), trong : nng nghip 7.60%, cng nghip 12.70%, thng
mi dch v 49.60%; tng vn u t t 4400 t, chim 33.40%/GDP tng 22% so vi nm
2002, thu ngn sch t 1080 t ng vt 15% k hoch v tng 17% so vi nm 2002; kim
nghch xut khu t 182 triu USD tng 21% so vi nm 2002, nhp khu 35 triu USD;
trong hai nm 2002 v 2003 bnh qun tng thm 1,750 triu ng/ngi t mc 6,147 triu
ng/ngi.
Ngn hng Chu An Giang l chi nhnh Ngn hng c nh gi hot ng kinh
doanh c hiu qu lin tc nhiu nm. Hot ng Ngn hng lun bm st nh hng kinh
doanh ca Hi ng qun tr tr s chnh, ng thi bm st ch trng, chnh sch v cc
chng trnh kinh t trng im ca tnh tp trung u t vo cc ngnh, cc lnh vc c
tim nng pht trin trong c nghnh cng thng nghip v tiu dng.
Qua thi gian hc tp v rn luyn ti trung i Hc An Giang v c tip cn vi
thc tin sinh ng ca hot ng kinh doanh ti Ngn hng Chu An Giang Em nhn thy
rng vic tm hiu v phn tch hiu qu hot ng tn dng trong lnh vc Cng thng
nghip v Tiu dng l ht sc cn thit.
Xut pht t nhng l do trn Em quyt nh chn ti:
Phn tch hiu qu tn dng Cng thng nghip v Tiu dng ti Ngn hng
Chu chi nhnh An Giang.
GVHD: Th.S Bi Thanh Quang
SVTH: Nguyn Ngc Chu Thy
Trang 1
2. Mc tiu nghin cu.

nh gi hiu qu hot ng tn dng Cng Thng nghip ti Ngn hng Chu chi
nhnh An Giang t xut nhng gii php, kin ngh nhm nng cao hn na hiu qu tn
dng ni chung, hiu qu tn dng cng thng nghip v tiu dng ni ring Ngn hng
Chu chi nhnh An Giang.
3. Phng php nghin cu.
- Thu thp s liu: cc bo co v ti liu ca Ngn hng Chu An Giang, thng tin
trn bo.
- Phng php: thng k, din dch, quy np.
- Phn tch s liu v nh gi s liu v s tuyt i v s tng i ch tiu dng
phn tch t ti liu c c. T a ra nhn xt, kt lun v hot ng tn dng ca Ngn
hng.
4. Phm vi nghin cu.
Do lnh vc kinh doanh ca Ngn hng Chu phong ph v a dng kt hp thi
gian nghin cu c hn nn Em ch i su nghin cu hot ng tn dng Cng thng nghip
v Tiu dng trong 3 nm 2001, 2002, 2003.
Trang 2
PHN NI DUNG
CHNG 1
C S L LUN
1.1. Khi qut v tn dng.

1.1.1. Khi nim tn dng.
Tn dng l mt phm tr kinh t ca nn kinh t hng ha, n phn nh quan h kinh
t gia ngi s hu vi ngi s dng cc ngun vn tm thi nhn ri trong nn kinh t
theo nguyn tc hon tr vn v li tc khi n hn.
1.1.2. Cc hnh thc tn dng.
1.1.2.1. Cn c vo thi hn tn dng.
Tn dng ngn hn: L loi tn dng c thi hn di mt nm v thng c s
dng cho vay b sung thiu ht vn lu ng tm thi ca cc doanh nghip v cho vay
phc v nhu cu sinh hot ca c nhn.
Tn dng di hn: L loi tn dng c thi hn trn nm nm, tn dng di hn c
s dng cp vn cho cc doanh nghip vo cc vn nh: xy dng c bn, u t xy
dng cc x nghip mi, cc cng trnh thuc c s h tng, ci tin v m rng sn xut c
quy m ln.
Tn dng trung hn: L loi tn dng gia hai k hn trn, loi tn dng ny c
cung cp mua sm ti sn c nh, ci tin v i mi k thut, m rng v xy dng cc
cng trnh nh c thi gian thu hi vn nhanh.
1.1.2.2. Cn c vo i tng tn dng.
1.1.2.2.1. Tn dng vn lu ng.
L loi tn dng c dng hnh thnh vn lu ng ca cc t chc kinh t nh cho
d tr hng ha i vi cc doanh nghip thng nghip; cho vay mua phn bn, ging,
thuc tr su i vi cc h sn xut nng nghip.
Trang 3
Tn dng lu ng thng c s dng cho vay b p mc vn lu ng thiu

ht tm thi, loi tn dng ny thng c chia ra lm cc loi sau: cho vay d tr hng ha,
cho vay thanh ton cc khon n di hnh thc chit khu thng phiu.
1.1.2.2.2. Tn dng vn c nh.
L loi tn dng c dng hnh thnh ti sn c nh. Loi tn dng ny thng c
u t mua ti sn c nh, ci tin v i mi k thut, m rng sn xut, xy dng cc x
nghip v cng trnh mi, thi hn cho vay i vi loi tn dng ny l trung hn v di hn.
1.1.2.3. Mc ch s dng vn.
Tn dng sn xut v lu thng hng ha:L loi tn dng dnh cho cc doanh
nghip v cc ch th kinh doanh khc tin hnh sn xut hng ha v lu thng hng ha.
Tn dng tiu dng:L hnh thc tn dng dnh cho c nhn p ng nhu cu tiu
dng: mua sm nh ca, xe c,Tn dng tiu dng c th hin bng hnh thc tin hoc
bn chu hng ha, vic cp tn dng bng tin thng do cc ngn hng, qu tit kim, Hp
tc x tn dng v cc t chc tn dng khc cung cp. Bn cnh hnh thc tn dng bng tin
cn c hnh thc tn dng c biu hin di hnh thc bn hng tr gp do cc cng ty, ca
hng thc hin.
1.1.2.4. Cn c vo ch th trong quan h tn dng.
1.1.2.4.1. Tn dng thng mi.
Tn dng thng mi l quan h tn dng gia cc nh doanh nghip, c biu hin
di hnh thc mua bn chu hng ha.
Nguyn nhn ca s xut hin tn dng thng mi l do s cch bit gia sn xut v
tiu th, c im thi v trong sn xut v mua hoc bn sn phm, v vy c hin tng mt
s nh doanh nghip mun bn sn phm trong lc c mt s nh doanh nghip mun mua
nhng khng c tin. Trong trng hp ny nh doanh nghip vi t cch l ngi mun bn
thc hin c sn phm h c th bn chu hng ha cho ngi mua.
Mua bn chu hng ha l hnh thc tn dng v:
-Ngi bn chuyn giao cho ngi mua c s dng vn tm thi trong mt thi gian
nht nh.
Trang 4
-n thi hn c tha thun ngi mua hon li vn cho ngi bn di hnh

thc tin t v li tc.
1.1.2.4.2. Tn dng ngn hng.
Khi nim:Tn dng ngn hng l quan h tn dng gia ngn hng, cc t chc tn
dng khc vi cc nh doanh nghip v c nhn.
Trong nn kinh t, ngn hng ng vai tr l mt nh ch ti chnh trung gian, v vy
trong quan h tn dng vi cc nh doanh nghip v c nhn, ngn hng va l ngi i vay
ng thi l ngi i vay.
Vi t cch l ngi i vay ngn hng nhn tin gi ca cc nh doanh nghip v c
nhn hoc pht hnh chng ch tin gi, tri phiu huy ng vn trong x hi. Tri li vi
t cch l ngi cho ngn hng cung cp tn dng cho cc doanh nghip v c nhn.
i tng ca tn dng ngn hng.
Trong nn kinh t th trng, i b phn qu cho vay tp trung qua ngn hng v t
p ng nhu cu vn b sung cho cc doanh nghip v c nhn. Tn dng ngn hng khng
ch p ng nhu cu vn ngn hn d tr vt t hng ha, trang tri chi ph sn xut v
thanh ton cc khon n m cn tham gia cp vn cho u t xy dng c bn nh xy dng
cc x nghip mi, cc c s kinh t h tng, ci tin v i mi k thut. Ngoi ra tn dng
ngn hng cn p ng mt phn ng k nhu cu vn tn dng tiu dng ca c nhn.
1.1.2.4.3.Tn dng nh nc.
Tn dng nh nc l quan h tn dng trong nh nc biu hin l ngi i vay.
1.1.3. Vai tr ca tn dng.
1.1.3.1. p ng nhu cu vn duy tr qu trnh sn xut lin tc ng thi gp
phn u t pht trin kinh t.
Tha thiu vn tm thi thng xuyn xy ra cc doanh nghip, vic phn phi vn
tn dng gp phn iu ha vn trong ton b nn kinh t, to iu kin cho qu trnh sn
xut c lin tc.
Ngoi ra tn dng cn l cu ni gia tit kim v u t, n l ng lc kch thch tit
kim ng thi l phng tin p ng nhu cu vn cho u t pht trin. Trong nn sn xut
Trang 5
hng ha, tn dng l mt trong nhng ngun hnh thnh vn lu ng v vn c nh cho

doanh nghip, v vy tn dng ng vin hng ha i vo sn xut, thc y ng dng khoa
hc, k thut tin b vo trong qu trnh sn xut.
Ring trong iu kin nc ta hin nay, c cu kinh t cn nhiu mt mt cn i, lm
pht v tht nghip vn lun l kh nng tim n, thng qua u t tn dng gp phn sp xp
v t chc li sn xut, hnh thnh c cu kinh t hp l. Mt khc thng qua hot ng tn
dng m s dng ngun lao ng v nguyn liu hp l thc y qu trnh tng trng kinh t,
ng thi gii quyt cc vn x hi.
1.1.3.2. Thc y nn kinh t pht trin.
Hot ng ca cc trung gian ti chnh l tp trung vn tin t tm thi nhn ri, m
vn ny nm phn tn khp mi ni, trong tay cc nh doanh nghip, cc c quan Nh nc
v c nhn, trn c s cho vay cc n v kinh t v t thc y nn kinh t pht trin.
1.1.3.3. Tn dng l cng c ti tr cho cc ngnh kinh t km pht trin v ngnh
mi nhn.
Trong iu kin nc ta, nng nghip l ngnh sn xut p ng nhu cu cn thit cho
x hi ang trong qu trnh Cng nghip ha v l ngnh chu nh hng nhiu nht trong
iu kin nc ta hin nay, trong giai on trc mt Nh nc phi tp trung u t pht
trin nng nghip gii quyt nhng nhu cu ti thiu ca x hi ng thi to iu kin
pht trin cc ngnh kinh t khc.
Bn cnh Nh nc cn tp trung tn dng ti tr cho cc ngnh kinh t mi
nhn, m pht trin cc ngnh ny s to c s v li cun cc ngnh kinh t khc pht trin
nh sn xut hng xut khu, khai thc du kh.
1.1.3.4. Gp phn tc ng n vic tng cng ch hch ton kinh t ca cc
doanh nghip.
c trng c bn ca tn dng l s vn ng trn c s hon tr v c li tc. Nh
vy m hot ng tn dng kch thch s dng vn v s dng c hiu qu.
Khi s dng vn vay ngn hng doanh nghip phi tn trng hp ng tn dng, tc
phi l hon tr n vay ng hn v tn trng cc iu kin khc ghi trong hp ng tn
dng, bng cc tc ng nh vy i hi doanh nghip phi quan tm n vic nng cao hiu
Trang 6
qu s dng vn, gim chi ph sn xut, tng vng quay ca vn to iu kin nng cao doanh
li ca doanh nghip.
1.1.3.5. To iu kin pht trin cc quan h kinh t vi cc doanh nghip nc
ngoi.
Trong diu kin ngy nay, pht trin kinh t ca mt quc gia gn lin vi th trng
th gii, kinh t ng nhng bc cho kinh t m, tn dng ngn hng tr thnh
mt trong nhng phng tin ni lin nn kinh t cc nc vi nhau.
i vi cc nc ang pht trin ni chung v nc ta ni ring, tn dng ng vai tr
rt quan trng trong vic m rng xut khu hng ha, ng thi nh ngun tn dng bn
ngoi cng nghip ha v hin i ha nn kihn t.
1.1.4. Cc phng thc cho vay.
- Cho vay tng ln: mi ln cho vay vn khch hng v t chc tn dng lm th tc
vay vn cn thit v k kt hp ng tn dng.
- Cho vay theo hn mc tn dng: t chc tn dng v khch hng xc nh v tha
thun mt hn mc tn dng duy tr trong mt thi hn nht nh hoc theo chu k sn xut
kinh doanh.
- Cho vay theo d n u t: t chc tn dng cho khch hng vay vn thc hin
cc d n u t v pht trin sn xut kinh doanh, dch v, cc d n phc v i sng.
- Cho vay hp vn: mt nhm t chc tn dng cng cho vay i vi mt d n vay
vn hoc phng n vay vn ca khch hng, trong c mt t chc tn dng lm u mi
dn xp, phi hp vi cc t chc tn dng khc.
- Cho vay tr gp: khi vay vn t chc tn dng v khch hng tha thun s li tin
vay phi tr, cng vi s n gc c chia ra tr n theo nhiu k hn trong thi hn cho
vay, ti sn mua bng vn vay ch thuc s hu ca bn vay khi tr n gc v li.
- Cho vay theo hn mc tn dng d phng: t chc tn dng cam kt m bo sn sng
cho khch hng vay vn trong phm vi hn mc tn dng nht nh. T chc tn dng v
khch hng tha thun thi hn hiu lc ca hn mc tn dng, mc ph tr cho hn mc tn
dng.
Trang 7
- Cho vay thng qua nghip v pht hnh v s dng th tn dng: t chc tn dng
chp nhn cho khch hng c s dng s vn vay trong phm vi hn mc tn dng thanh
ton tin mua hng ha, dch v v rt tin mt ti cc my rt tin t ng hoc im ng
tin mt l i l ca t chc tn dng.
- Cc phng thc cho vay khc ph hp qui nh ca nh nc.
1.1.5. m bo tn dng.
1.1.5.1. Vai tr ca vic m bo tn dng.
m bo tn dng l thit lp nhng rng buc php l ca khon vay vi nhng ti
sn ca ngi vay hay ngi th ba khi khng thu c n c th da vo vic bn ti sn
thu hi n. l cch khng b rng buc vi ri ro kinh doanh ca khch hng bng
cch thit lp ngun thu n th hai.
Ngun thu n th nht l doanh thu i vi cho vay ngn hn v vn lu ng, l
ngun khu hao v li nhun i vi cc khon vay trung v di hn hnh thnh ti sn c
nh. Trong cho vay tiu dng ngun thu n th nht ca ngn hng l thu nhp ca c nhn
nh: tin lng, cc khon thu nhp t c tc, tin cho thu nh v cc khon thu nhp khc.
1.1.5.2.Cc hnh thc m bo tn dng.
1.1.5.2.1. m bo i vt.
Khi nim.
m bo i vt l hnh thc xc nh nhng c s php l ch n (Ngn hng) c
c nhng quyn hn nht nh i vi ti sn ca khch hng vay nhm to ra ngun thu n
th hai khi ngi mc n khng tr hay khng cn kh nng tr n.
Phng thc m bo i vt.
# Th chp.
* Th chp l bn vay vn dng ti sn thuc quyn s hu ca mnh m bo thc
hin ngha v tr n khi ngun thu th nht b mt.
* C cc loi th chp sau:
- Cn c theo php l, th chp c hai loi:
Trang 8
+Th chp php l hay th chp sang nhng ch quyn: l phng thc th chp
m khch hng lp sn mt giy sang nhng ch quyn khi khng c tin tr n, ngn
hng c quyn bn ti sn thu n hay qun l ti sn.
+ Th chp cng bng: l cch ngn hng ch gi bn chnh giy chng nhn
quyn s hu ti sn m bo cho khon vay. Nh vy khi khch hng khng c tin tr n,
ngn hng phi a ra ta n mi pht mi c ti sn theo phn quyt ca ta.
- Cn c vo vic th chp cho nhiu mn vay, ngi ta phn bit thnh:
+ Th chp th nht: l ti sn ang th chp cho mn n th nht.
+ Th chp th hai: l ti sn ang th chp cho mn n th nht, nhng gi tr
th chp cn tha ra, khch hng em th chp cho ngn hng khc vay thm mt mn n
na. Tt nhin phi c s tha thun ca hai ngn hng v ch c mt bn chnh quyn s hu
ti sn.
# Cm c.
L ti sn m bo tin vay thuc quyn s hu ca khch hng vay, c giao cho
ngn hng ct vo kho m bo chc chn ngun thu n th hai. Ti sn cm c thng l
ng sn d di chuyn nn ngoi vic ngn hng nm gi giy ch quyn ngn hng cn phi
nm gi lun ti sn , khi khch hng vay khng tr n ng hn theo hp ng tn dng
ngn hng c quyn pht mi ti sn thu hi n.
# m bo bng tin gi.
Tin gi dng lm m bo rt tin li v d bo qun, hu nh khng c ri ro v x
l thu hi n rt nhanh, i vi tin gi c k hn ch phi lm mt bn cam kt cho ngn
hng c trch tin gi thu n v giao s tin gi cho ngn hng.
# m bo bng tch tri.
Tng t nh m bo bng tri phiu, c hai cch:
- m bo khng thng bo: khch hng vay ch cam kt em tin thu c t cc con
n tr cho ngn hng m khng thng bo cho cc con n bit.
- m bo c thng bo: khch hng vay thng bo cho cc con n bit h phi thanh
ton vi ngn hng thay v phi thanh ton cho khch hng vay.
Trang 9
# m bo bng hp ng nhn thu.

Hp ng xy dng hay cung cp thit b, u cha ng cam kt tr tin khi xy dng
hay cung cp thit b v vt t xong, nn c th tr thnh vt m bo vay, ngn hng ch cn
bn u thu cam kt s tr cho ngn hng cho vay bn nhn thu l hp ng s tr thnh vt
m bo, cng ty xy lp hay cng ty cung ng dch v thit b vt t vay vn ngn hng
thc hin vic nhn thu.
1.1.5.2.2. m bo i nhn.
Khi nim.
m bo i nhn l s bo lnh ca mt hoc nhiu ngi cho khch hng vay ngn
hng. Trong trng hp khch hng vay khng tr c n, ngi bo lnh s tr thay. Nh
vy c ba ch th tham gia vo vic vay vn ngn hng:
+ Khch hng vay l ngi c bo lnh.
+ Ngn hng l ch n, ng thi l ngi c hng s bo lnh trnh ri ro
khng tr n ca khch hng vay.
+ Ngi bo lnh l ngi cam kt tr n thay khi ngi c bo lnh khng tr
c n.
Cc loi m bo i nhn.
# Cn c vo an ton ca bo lnh.
- Bo lnh khng c ti sn m bo: thng dng cho nhng doanh nghip hay c
nhn c kh nng ti chnh vng mnh v c uy tn trn thng trng hay i vi ngn hng.
Thng mt ngn hng bo lnh cho mt khch hng quen ca mnh sang vay mt ngn hng
bn cng c th dng bo lnh khng c ti sn m bo, ngn hng cho vay bit rng v uy tn
ngn hng bo lnh khng t chi thi hnh ngha v bo lnh khi khch hng vay khng tr
c n.
- Bo lnh bng ti sn ca ngi bo lnh: khi ngn hng khng quen bit ngi bo
lnh hoc khng tin tng uy tn ca ngi bo lnh, ngn hng yu cu ngi bo lnh phi
th chp ti sn ca mnh m bo vic thi hnh ngha v bo lnh. Nh vy trong trng
hp ngi bo lnh khng tr n thay cho ngi c bo lnh, ngn hng c th pht mi ti
sn ny thu hi n.
Trang 10
# Cn c vo phm vi bo lnh.
- Bo lnh ring bit: l bo lnh ring cho mt mn n c th theo phng thc cho
vay theo s d v dng ti khon cho vay thng thng.
- Bo lnh lin tc: l bo lnh cho mt hn mc tn dng ti a hay mc thu chi ti
a. Phng thc bo lnh ny dng trong phng thc cho vay theo hn mc tn dng, ngi
bo lnh ch tr n thay cho ngi c bo lnh s n thc t khng tr c nu s n ny
nh hn mc bo lnh ti a.
Trnh t xt mt bo lnh i nhn.
# Xem xt t cch php nhn ca ngi bo lnh.
- Ngi bo lnh phi c t cch php nhn v nng lc hnh vi dn s. Nu l
mt doanh nghip hay t chc ng ra bo lnh th ngi k giy t bo lnh phi l ngi i
din hp php ca php nhn.
- Xem ngi ng ra k giy bo lnh c kh nng ti chnh thc hin ngha v
bo lnh khng? Nu l php nhn ngi ng ra k c quyn chi phi kh nng ti chnh ca
t chc vo vic bo lnh?...
# Xem xt uy tn v kh nng ti chnh ca ngi bo lnh.
Uy tn ca ngi bo lnh th hin trch nhim cao v s sng phng trong thanh
ton ca ngi bo lnh trong sut qu trnh kinh doanh t trc n nay. Tuy nhin, c uy tn
m thiu kh nng ti chnh cng c th dn n mun g uy tn cng khng c, cho nn
trong bo lnh khng c ti sn m bo, cn xem xt iu tra bit kh nng ti chnh thc
t ca ngi bo lnh v ch chp nhn bo lnh cho nhng khon vn vay nh hn nhiu so
vi kh nng ti chnh ca ngi bo lnh.
1.1.6. Ri ro Tn dng.
1.1.6.1. Khi nim.
Ri ro tn dng l s xut hin nhng bin c khng bnh thng trong quan h tn
dng, t tc ng xu n hot ng ca ngn hng v c th lm cho ngn hng lm vo
tnh trng mt kh nng thanh ton cho khch hng.
Trang 11
1.1.6.2. Nhng thit hi do ri ro tn dng gy ra.

1.1.6.2.1. i vi ngn hng.
Ri ro tn dng s tc ng trc tip n hot ng kinh doanh ca ngn hng nh:
thiu tin chi tr cho khch hng, li nhun ngy cng gim dn n l v mt kh nng thanh
ton.
1.1.6.2.2. i vi x hi.
Hot ng ca ngn hng c lin quan n hot ng ca ton b nn kinh t. V vy,
khi ri ro tn dng xy ra c th lm ph sn mt vi ngn hng, c kh nng ly lan cc ngn
hng khc to cho dn chng mt tm l s hi nn a nhau n ngn hng rt tin trc thi
hn. iu c th a n ph sn hng lot cc ngn hng v s tc ng xu n nn kinh
t, ri ro tn dng l vn chnh ph phi quan tm, c bit l ngn hng Trung ng phi
khuyn co thng xuyn thng qua cng tc kim tra, thanh tra, chit khu, ti chit khu v
sn sng ti tr cho cc ngn hng thng mi khi c cc bin c ri ro xy ra.
1.1.6.3. Nguyn nhn dn n ri ro tn dng.
1.1.6.3.1. Nguyn nhn t khch hng vay vn.
- i vi khch hng l c nhn: mt s nguyn nhn c th lm cho khch hng vay
vn khng th tr n cho ngn hng y c vn ln li: thu nhp khng n nh, b tht
nghip, tai nn lao ng, thin tai, ha hon, s dng vn vay sai mc ch,
- i vi khch hng l cc doanh nghip: thng khng tr c n l do: kh nng
ti chnh ca doanh nghip b suy gim v l trong kinh doanh, s dng vn sai mc ch, th
trng cung cp vt t b t bin, b cnh tranh v mt th trng tiu th, s thay i trong
chnh sch ca nh nc,
1.1.6.3.2. Nguyn nhn khch quan.
- Bo, lt, hn hn, dch bnh.
- Nu nn kinh t suy thoi th thng xut hin nhng doanh nghip kinh doanh thua
l v ph sn. T cc khon tin vay ca ngn hng khng tr c hoc nu lm pht ngy
cng gia tng cng c th dn n ri ro tn dng, bi v trong giai on lm pht xy ra ngi
gi tin c tm l lo s nn rt tin ra khi ngn hng, cn ngi i vay th gia tng nhu cu
xin vay v mun ko di thi gian vay vn lm nh hng n hot ng ngn hng.
Trang 12
1.1.6.3.3. Ri ro tn dng lin quan n phn m bo tn dng.

- m bo i vt: do nh gi khng chnh xc gi tr ti sn th chp, ti sn th
chp khng chuyn nhng hoc cm lu hnh.
- m bo i nhn: ngi bo lnh vay vn gp nhng trng hp sau: cht, tai nn,
au m, ha hon,
1.2. Mt s ch tiu dng phn tch.
1.2.1. Doanh s cho vay.
L ch tiu phn nh tt c cc khon tn dng m ngn hng pht ra cho vay trong
mt khong thi gian no , khng k mn cho vay thu hi v hay cha. Doanh s cho
vay thng c xc nh theo thng, qu, nm.
1.2. 2. Doanh s thu n.
L ton b cc mn n m ngn hng thu v t cc khon cho vay ca ngn hng k
c nm nay v nhng nm trc .
1.2.3. D n.
L ch tiu phn nh ti mt thi im xc nh no ngn hng hin cn cho vay
bao nhiu, v y cng l khon m ngn hng cn phi thu v.
1.2.4. N qu hn.
L ch tiu phn nh cc khon n khi n hn m khch hng khng tr c cho
ngn hng m khng c nguyn nhn chnh ng th ngn hng s chuyn t ti khon d n
sang ti khon qun l khc gi l n qu hn. N qu hn l ch tiu phn nh cht lng ca
nghip v tn dng ti ngn hng.
1.2.5. T l d n trn vn huy ng v tng ngun vn.
T l d n trn vn huy ng.
Ch tiu ny nh gi kh nng s dng vn huy ng vo vic cho vay vn. Thng
thng khi ngun vn huy ng ngn hng chim t l thp so vi tng ngun vn s dng
th d n thng gp nhiu ln so vi vn huy ng. Nu ngn hng s dng vn cho vay phn
ln t ngun vn cp trn th khng hiu qu bng vic s dng ngun vn huy ng c. Do
Trang 13
vy, t l ny cng gn 1 th cng tt cho hot ng ngn hng, khi ngn hng s dng mt
cch c hiu qu ng vn huy ng c.
Ta c cng thc:
D n
T l d n trn vn huy ng = Vn huy ng *100%
T l d n trn tng ngun vn.
Ch tiu ny cho bit t trng u t vo cho vay ca Ngn hng so vi tng ngun
vn, hay l d n cho vay chim bao nhiu phn trm trong tng ngun vn s dng ca Ngn
hng.
Ta c cng thc sau:
D n
T l d n trn tng ngun vn= Tng ngun vn *100%
1.2.6. H s thu n.
Th hin mi quan h gia doanh s cho vay v doanh s thu n.
Ta c cng thc sau:
Doanh s thu n
H s thu n = Doanh s cho vay
(ln)
1.2.7. T l n qu hn trn tng d n.

Ch tiu ny thng ni ln cht lng tn dng ca mt Ngn hng. Thng thng ch
s ny di mc 5% th hot ng kinh doanh ca ngn hng bnh thng. Nu ti mt thi
im nht nh no t l n qu hn chim t trng trn tng d n ln th n phn nh cht
lng nghip v tn dng ti ngn hng km, ri ro tn dng cao v ngc li.
Ta c cng thc:
N qu hn
T l n qu hn= Tng d n * 100%
Trang 14
CHNG 2
GII THIU V NGN HNG CHU
CHI NHNH AN GIANG
2.1. Lch s hnh thnh.

2.1.1. Ngn hng chu.
Ngn hng Thng mi C phn Chu l mt Ngn hng Thng mi c phn Vit
nam ng k hot ng ti nc Cng Ha X Hi Ch Ngha Vit Nam.
Ngn hng c Ngn hng Nh Nc Vit Nam cp giy php hot ng s
0032/NH-CP ngy 24 thng 4 nm 1993. Vn iu l ban u l 20 t ng Vit Nam cho thi
hn hot ng 50 nm.
Ngn hng bt u hot ng t ngy 4 thng 6 nm 1993. Hin nay vn iu l thc
c ca Ngn hng l 42,4 t ng Vit Nam.
+ Hi s chnh: 442 Nguyn Th Minh Khai Qun 3 TPHCM.
+ Tn giao dch: Ngn hng Thng mi C Phn Chu.
+ Tn nc ngoi: Asia-Commercial-Bank ( gi tt l ACB).
Vo thi im 31 thng 12 nm 2002 tng s nhn vin ca ngn hng l 996 ngi
trong c 69 ngi l nhn vin qun l.
Lnh vc kinh doanh c cc hot ng chnh l:
+ Huy ng vn ngn hn, trung v di hn theo cc hnh thc: tin gi tit kim,
tin gi thanh ton, chng ch tin gi.
+ Tip nhn vn y thc u t v pht trin.
+ Nhn vn t cc t chc tn dng khc, cho vay ngn hn v trung di hn.
+ Chit khu thng phiu, cng tri v cc giy t c gi.
+ u t vo cc t chc kinh t, lm dch v thanh ton gia cc khch hng,
kinh doanh ngoi t, vng bc.
+ Huy ng vn t nc ngoi v cung ng cc dch v ngn hng, thanh ton
quc t.
Trang 15
2.1.2. Ngn hng Chu chi nhnh An Giang.

Bt u hot ng vo ngy 16 thng 9 nm 1994 theo giy php s 0019/GCT c
cp vo ngy 10 thng 8 nm 1994.
+Tr s t ti: 95 Nguyn Tri TP.Long Xuyn An Giang.
+ in thoi: 076.844532-844531.
+ Fax: 076.844530.
Ngy 22 thng 8 nm 1994 c UBND tnh An Giang cp giy php t chi nhnh,
vn phng i din s 001346.
Theo ni dung hot ng ca Ngn hng Chu An Giang c ghi r trong giy
php thnh lp s 533/GP-UB ngy 13 thng 5 nm 1993 ca UBND Thnh ph HCM th
UBND tnh An Giang cp giy ng k kinh doanh s 064827 ngy 25 thng 8 nm 1994.
2.2. B my qun l ca Ngn hng Chu chi nhnh An Giang.
2.2.1. S t chc.
Gim c
Ph Gim c
Phng
Hnh Chnh Nhn S
Phng
TD-TTQT
Tiu Ban TD
Cng Thng- Tiu Dng
TTD
TPLX
T TD
H: C-Thnh
Phng
K Ton
Phng
Giao Dch Ngn Qu
Tiu Ban TD
Nng Nghip
T TD
H: C-Ph
T TD
H: P-Tn
Ca Hng
KD Vng Bc
T TD
H: T-Sn
T TD
H.C-Mi
Trang 16
2.2.2. Chc nng cc phng ban.

2.2.2.1 Phng Hnh chnh nhn s.
- Tuyn nhn vin.
- Theo di ton b cn b cng nhn vin bng chng trnh vi tnh.
- Theo di chm cng, ln bng lng.
- Son tho cc thng bo qui nh.
- Xy dng cng tc ca ban gim c trong tun.
- Xy dng phng n v thc hin nghim ngt cng tc bo v an ton c quan v
khch hng n giao dch, v mt s nghip v lin quan chc nng.
2.2.2.2. Phng Tn dng v thanh ton quc t.
- Thm nh, xt duyt, kim tra cho vay phc v sn xut nng nghip, cng thng
nghip v tiu dng.
- Thu hi vn li cho vay k c x l nhng khon n kh i.
- Phi hp cc phng chc nng phc v tt nhu cu khch hng.
- Hng dn khch hng lm n vay vn.
- Mt s nghip v c lin quan khc.
2.2.2.3. Phng Giao dch ngn qu.
- Kim tra thc thu, thc chi theo chng t k ton.
- Cn i thanh khon, iu chnh vn.
- Kinh doanh vng, bc, qu v thu i ngoi t.
- Chu trch nhim bo qun tin, vng, n ch quan trng v ton b h s th chp,
cm c ca khch hng vay.
- o to, hun luyn cc giao dch vin trong nghip v ngn qu v phc v khch
hng.
2.2.2.4. Phng K ton.
- Kim tra, lp phiu thu, chi i vi h s cho vay phc v sn xut, cng thng
nghip, tiu dng.
- Thc hin thanh ton lin ngn hng.
- Theo di cc khon thu chi.
Trang 17
- Qun l mng vi tnh, chng trnh v phn mm ng dng ca chi nhnh.

2.3. Lnh vc kinh doanh v mt s vn lin quan n tn dng cng thng nghip ti
Ngn hng Chu chi nhnh An Giang.
2.3.1. Lnh vc kinh doanh.
- Nhn tin gi thanh ton, tin gi tit kim bng ng Vit nam hoc bng ngoi t
ca cc t chc kinh t v c nhn trong v ngoi nc.
- Vay v tip nhn cc ngun vn u t t cc t chc tn dng trong nc v ngoi
nc.
- Cho vay ngn hn, trung v di hn bng ng Vit nam, ngoi t hoc vng.
- Cho vay tr gp mua xe c gii, mua nh .
- Ch tc vng ACB Bng la 999 kinh doanh vng, bc, qu.
- Kinh doanh ngoi t, vng, chi tr kiu hi.
- u t hn vn, lin doanh vi cc t chc kinh t trong v ngoi nc.
- Cho vay phc v sn xut nng nghip, cng thng nghip v tiu dng.
- Mt s hot ng khc.
2.3.2. Mt s vn lin quan n tn dng cng thng nghip.
Ngun vn cho vay.
- Ngun vn huy ng c.
- Ngun vn t c.
- Vn t Ngn hng Hi S cung cp.
Nguyn tc vay vn.
Khch hng vay vn ca Ngn hng phi m bo cc nguyn tc sau:
- S dng vn vay ng mc ch tho thun trong hp ng tn dng.
- Hon tr n gc v li tin vay ng hn tho thun trong hp ng tn dng.
- Vic m bo tin vay phi ng qui nh.
Trang 18
iu kin vay vn.

# i vi cho vay cng thng nghip.
- C nhn v ch doanh nghip t nhn phi c nng lc php lc v nng lc hnh vi
dn s.
- Php nhn phi c nng lc php lut dn s.
- C kh nng ti chnh m bo tr n trong thi hn cam kt.
- Mc ch s dng vn vay hp php.
- C d n u t hoc phng n sn xut kinh doanh kh thi, c hiu qu.
# i vi cho vay tiu dng.
- C th chp ti sn: khch hng l c nhn.
+ C mc ch vay vn c s dng cho cc nhu cu tiu dng hp php.
+ C ngun thu nhp n nh, m bo kh nng tr gp hng thng.
+ C ti sn th chp, cm c hoc c ngi th ba c ti sn th chp, cm c
bo lnh nh: s tit kim tri phiu,...
- Khng th chp ti sn: khch hng l CB.CNV ang cng tc ti cc n v c tr
s trn cng a bn hot ng ca ACB, c thi gian cng tc tnh n ngy vay trn 12
thng, c bo lnh ca n v.
i tng cho vay.
L gi tr vt t hng ho, my mc, thit b v cc khon chi ph khch hng thc
hin cc d n hoc phng n sn xut kinh doanh, dch v, i sng v u t pht trin.
L cc vt dng c s dng p ng cho nhu cu sinh hot hng ngy ca c nhn
nh: nh, xe, trang tr ni tht,...
Thi hn cho vay.
- Ngn hn: ti a khng qu 12 thng.
- Trung hn: t 12 thng n 36 thng.
- Di hn: t 36 thng n khng qu 60 thng.
Trang 19
Thi hn cho vay c xc nh ph hp vi thi hn thu hi vn ca d n u t,

kh nng tr n ca khch hng v phi ph hp vi tnh cht ngun vn cho vay ca Ngn
hng.
- Ngn hn: ti a khng qu 12 thng.
- Trung hn: t 12 thng n 36 thng.
Khng cho vay tiu dng trn 36 thng.
Mc cho vay.
Ph hp vi nhu cu vn ca ngi i vay v kh nng tr n ca h ng thi phi
ph hp vi kh nng cho vay ca Ngn hng. C th c xc nh bi bt ng thc sau:
Mc cho vay + li pht sinh < Gi tr ti sn th chp, cm c ti ngn hng.
Thng Ngn hng cho khch hng vay khong 70% gi tr ti sn th chp, cm c
ti Ngn hng v gi tr ti sn l do Ngn hng nh gi.
- C ti sn th chp: cn c vo nhu cu vay vn, kh nng tr n, gi tr ti sn th
chp cm c, ti a khng qu 100.000.000 ng.
- Khng c ti sn th chp: mc cho vay ti a khng qu 10.000.000 ng.
Tr n gc v li.
# Tr n gc.
N gc c hon tr mt ln khi kt thc thi hn vay. Trng hp tr n nhiu ln
hoc tr n trc hn, cc bn phi c tho thun vi nhau.
# Tr li vay.
Sau 1(mt) thng, k t ngy nhn tin vay ln u, tin li c tr hng thng vo
ngy nhn c tin vay. S tin li phi tr c tnh theo cng thc sau:
S tin li phi tr =
D n tnh li x Li sut vay x S ngy vay thc t

30
Trang 20
=> Bn vay, vay bng loi tin no th tr n (gc v li) bng loi tin . Cc bn c
th tho thun tr n bng loi tin khc vi loi tin vay, t gi quy i trong trng hp ny
thc hin nh sau:
+ Khon vay l tin ng Vit nam, tr n bng ngoi t/ vng th quy i theo gi
mua ngoi t/ vng do ACB cng b ti thi im tr n.
+ Khon vay l ngoi t/ vng, tr n bng tin ng Vit nam th quy i theo gi
mua ngoi t/ vng do ACB cng b ti thi im tr n.
+ Khon vay l mt loi ngoi t, tr n bng loi ngoi t khc th quy i theo
tho thun.
Chuyn n qu hn v tnh li qu hn.
- Sau 10 ngy lm vic k t ngy n hn tr n gc theo cc k hn/kt thc thi hn
cho vay, nu bn vay khng tr ht s n gc phi tr ng hn v khng c ACB iu
chnh k hn/gia hn n gc th ton b s d n gc thc t cn li ca khon vay b chuyn
sang n qu hn v p dng li sut nh sau:
+ i vi phn d n gc ca k hn m bn vay khng tr ng hn th p dng
mc li sut qu hn (134% so vi li sut trong hn).
+ i vi phn d n gc ca k hn cha n hn tr n nhng chuyn n
qu hn th p dng mc li sut trong hn.
- Sau 10 ngy lm vic, k t ngy n hn tr li theo cc k hn, nu bn vay khng
tr li phi tr ng hn v khng c ACB iu chnh k hn tr li th ton b s d n gc
ca khon vay b chuyn sang n qu hn vi li sut cho vay trong hn qui nh trong hp
ng tn dng.
- Khi n hn tr n ca mi k hn/kt thc thi hn cho vay, nu bn vay khng tr
ht tin li phi tr ng hn th chu pht chm tr tnh trn s li chm tr v s ngy chm
tr vi li sut qu hn. Thi gian chm tr c tnh t ngy k tip ca ngy n hn tr li.
S tin pht =
s tin li chm tr x s ngy chm tr

30
Trang 21
2.4. nh gi chung v hot ng kinh doanh.

Thc t hin nay cho thy cc loi hnh sn phm, dch v ti cc ngn hng l hu ht
ging nhau. cnh tranh nhm gi c khch hng c v pht trin khch hng mi, Ngn
hng Chu An Giang khng ngng nng cao cht lng phc v khch hng:
+ Pht huy sng kin, ci tin cch thc phc v khch hng.
+ Thu thp thng tin phn hi t khch hng v nhn vin v cht lng phc v
khch hng thng qua cng tc thm d v kho st kin ca khch hng.
+ Thit lp cc gii thng ca ACB dnh cho cc khch hng, cng nh nhn
vin,
Nhn thc c tm quan trng ca vic nng cao cht lng phc v khch hng,
cng vi nhiu chng trnh thc hin to s pht trin ngy cng cao cho Ngn hng
thng qua kt qu hot ng kinh doanh qua 3 nm: 2001, 2002, 2003 nh sau:
Bng 1: Kt Qu Kinh Doanh.
VT: Triu ng.
Ch tiu.
Nm
2001
Nm
2002
Nm
2003
Chnh lch
2002/2001
Tuyt
i
Chnh lch
2003/2002
Tng
i(%)
Tuyt
i
Tng
i(%)
1.DT
20,050
21,523
23,448
1,473
7.35
1,925
8.94
2. CP
15,655
16,137
16,821
482
3.08
684
4.24
3. LNTT
4,395
5,386
6,627
991
22.55
1,241
23.04
4.TTND
1,406
1,724
1,856
318
22.62
132
7.66
5. LNR
2,989
3,662
4,771
673
22.52
1,109
30.28
(Ngun: Cc bo co thng k nm ACB An Giang)

T bng kt qu hot ng trn cho thy li nhun tng qua cc nm: li nhun nm
2002 l 3,662 triu ng tng 673 triu so vi nm 2001 ( tng 22.55%). Sang nm 2003 th
li nhun l 4,771 triu ng tng 1,109 triu ng so vi nm 2002 ( tng 30.28%), l do tc
Trang 22
tng doanh thu (8.94%) cao hn tc tng chi ph (4.24%), mc khc cn do thu thu
nhp doanh nghip ca nm 2003 ch c 28% trong khi thu thu nhp doanh nghip nm 2001
v nm 2002 l 32%, s thay i v lut thu dnh cho doanh nghip gp phn vo vic
tng li nhun rng cho Ngn hng.
Trang 23
CHNG 3
PHN TCH HIU QU TN DNG
3.1 nh gi tng ngun vn.

p ng nhu cu cho vay i hi Ngn hng phi c ngun vn tng xng c th
dng cho vay. Vn ca Ngn hng c nhiu ngun gc nh:t huy ng, vn hi s, vay
t cc t chc tn dng khc, trong vn t huy ng ng vai tr quan trng nht, bi v
bt ky t chc kinh t no cng iu mong mun t mt s tin tng i c th to ra c
s tin ln hn.
iu ny c th hin hot ng t huy ng vn vi li phi tr thp hn so vi li
c c t hot ng cho vay. Tuy nhin ni nh vy khng phi ph nhn vai tr ca cc
ngun vn c ngun gc khc, vn ngn hng l tp hp ca tt c cc ngun v vn Ngn
hng Chu An Giang c th hin nh sau:
+ Vn t huy ng trung bnh chim khong 17.00% tng ngun vn trong ba
nm s dng phn tch l nm: 2001, 2002, 2003.
+ Ngun khc trung bnh chim khong 83.00% tng ngun vn ca Ngn hng.
Vn t huy ng.
Tng dn qua cc nm t 40,794 triu ng nm 2001 n nm 2002 l 45,481 triu
ng, nm 2003 l 51,343 triu ng. Nhn chung cc khon mc trong vn huy ng iu
tng v s tuyt i, tng v s tng i c TG thanh ton v TG khc cn TG tit kim gim
v s tng i cho thy rng tc tng ca TG tit kim thp hn so vi hai khon mc cn
li cho thy ngi dn phn no bt i tm l khng an tm khi gi tin vo Ngn hng,
ngy cng c nhiu ngi gi tin vo Ngn hng di hnh thc TG tit kim Ngn hng cn c.
Trang 24
Bng 2: Tng Ngun Vn Ca Ngn Hng.

VT: triu ng.
Nm 2001
Ch tiu
S tin
Nm 2002
T trng
(%)
S tin
Nm 2003
T trng
(%)
T trng
(%)
S tin
Chnh
lch2002/2001
Tuyt
Tng
i
i(%)
Chnh lch
2003/2002
Tuyt
Tng
i
i(%)
1. Vn t huy ng.
40,794
15.95
45,481
16.78
51,343
17.33
4,703
11.49
5,862
12.89
TG Tit kim
24,946
61.15
26,365
57.97
28,290
55.10
1,419
5.69
1,925
7.30
TG Thanh ton
15,457
37.89
17,992
39.56
21,749
42.36
2,535
16.40
3,757
20.88
391
0.96
1,124
2.47
1,304
2.54
733
187.47
180
16.01
214,970
84.05
225,560
83.22
244,923
82.67
10,590
4.93
19,363
8.58
255,764
100.00
271,041
100.00
296,266
100.00
15,277
5.97
25,225
9.31
TG Khc
2. Vn khc.
Tng cng
(Ngun phng TD & TTQT)
Trang 25
Vn khc.
Tng v s tuyt i nh sau: nm 2001 l 214,970 triu ng, nm 2002 l 225,560
triu ng, nm 2003 l 244,923 triu ng. Phn ln vic gia tng vn l t hi s chuyn v
ng thi cng do lun chuyn vn vi cc t chc tn dng khc.
3.2. Phn tch hiu qu tn dng cng thng nghip v tiu dng.
3.2.1. Phn tch doanh s cho vay cng thng nghip (CTN) v tiu dng (TD).
Doanh s cho vay CTN v TD tng qua cc nm, c bit tng cao vo nm 2003, c
th nh sau:
+ Doanh s cho vay CTN v TD nm 2001 l 79,959 triu ng.
+ Doanh s cho vay CTN v TD nm 2002 l 88,667 triu ng tng 8,708 triu
ng so vi nm 2001 tc l tng 10,89% so vi nm 2001.
+ Sang nm 2003 th doanh s cho vay l 99,786 triu ng tng 11,19 triu ng
tc l tng 12.54% so vi nm 2002.
3.2.1.1. Doanh s cho vay CTN v TD theo thi hn tn dng.
Doanh s cho vay CTN v TD theo thi hn tn dng cho thy doanh s cho vay ngn
hn cao hn trung hn qua cc nm 2001, nm 2002 v nm 2003. Trong 3 nm doanh s cho
vay ngn hn chim khong 75% tng doanh s cho vay CTN v TD c th hin nh sau:
* i vi cho vay ngn hn.
Doanh s cho vay ngn hn tng dn qua cc nm: nm 2002 so vi nm 2001 tng
7,89 triu ng (tng 13.08%). Nu nh nm 2002 doanh s cho vay l 68,203 triu ng th
sang nm 2003 t c 78,961 triu ng tng 10,758 triu ng (Tng 15.77%), trong
mc gia tng v CTN chim t trng cao hn TD.
+ Xt trong 3 nm th doanh s cho vay TD nm 2002 cao hn nm 2001 l 1,897
triu (Tng 19,66%), cao hn so vi nm 2003 l 0,042 triu ng (cao hn 0.36%).
Trang 26
Bng 3: Doanh S Cho Vay Theo Thi Hn Tn Dng.
Ch tiu
Nm 2001
T trng
DSCV
(%)
Nm 2002
T trng
DSCV
(%)
Nm 2003
T trng
DSCV
(%)
Chnh lch
2002/2001
Tng
Tuyt i i(%)
VT:triu ng.
Chnh lch
2003/2002
Tuyt
Tng
i
i(%)
I. Ngn hn.
60,313
75.43
68,203
76.92
78,961
79.13
7,890
13.08
10,758
15.77
1. Cng thng.
50,663
84.00
56,656
83.07
67,456
85.43
5,993
5.66
10,800
19.06
9,650
16.00
11,547
16.93
11,505
14.57
1,897
19.66
-0,042
-0.36
II. Trung hn.
19,646
24.57
20,464
23.08
20,825
20.87
0,818
4.16
0,361
1.76
1. Cng thng.
8,481
43.17
9,119
44.56
8,553
41.07
0,638
7.52
-0,566
-6.21
11,165
56.83
11,345
55.44
12,272
58.93
0,180
1.61
0,927
8.17
Tng cng.
79,959
(Ngun Phng TD & TTQT)
100.00
88,667
100.00
99,786
100.00
8,708
10.89
11,119
12.54
2. Tiu dng.
2. Tiu dng.
Trang 27
+ Ngc vi TD doanh s cho vay th hin s thng trm th cho vay CTN tng
dn qua cc nm nh sau: nm 2001 l 50,663 triu ng, sang nm 2002 l 56,656 triu ng
v n nm 2003 l 67,456 triu ng.
Hot ng cho vay ngn hn CTN v TD cho thy phn ln khong tin cho vay iu
do hot ng cho vay CTN, i vi TD ch chim t trng nh nguyn nhn l do cc khon
cho vay TD ngn hn phn ln cho vay di hnh thc cm c s tit kim, nn hn ch
vic cho vay.
* i vi cho vay trung hn.
Ngc li vi cho vay ngn hn, trong cho vay trung hn t trng cho vay TD cao hn
so vi CTN nguyn nhn l do a s c nhn hay h gia nh vay tiu TD di hnh thc tr
gp l nhiu, m ngun tr n ch yu l thu nhp nh: lng, khong ph thu khc,
- Doanh s cho vay TD:
+ Nm 2001 l 11,165 triu ng, chim t trng 56.83% so vi doanh s cho vay
trung hn.
+ Nm 2002 tng 0,180 triu ng so vi nm 201, nhng t trng lc ny ch l
55.44% so vi cho vay trung hn.
+ Nm 2003 tng 0,927 triu ng so vi nm 2002, t trng l 58.93% so vi
cho vay trung hn.
Khi xt mc tng gim gia cc nm th nm 2002 tng 0,180 triu ng so vi nm
2001 tc l tng 1.61%, nm 2003 tng 0,927 triu ng so vi nm 2002 tc tng 8.17% so
vi nm 2002, nguyn nhn l do nm 2003 th trng xe gn my rt si ng do gi r, cht
lng tng i tt,...ngi dn vi thu nhp trung bnh cng c th mua xe c v th hot
ng tn dng cho vay mua xe tr gp cng tng theo cn st xe.
- Doanh s cho vay CTN chim t trng thp hn TD:
trung hn nm 2001.
trung hn nm 2002.
Trang 28
trung hn nm 2003.
3.2.1.2. Doanh s cho vay CTN v TD theo thnh phn kinh t.
* i vi cho vay C nhn.
- Doanh s cho vay nm 2001 l 45,025 triu ng, chim t trng 56.31% doanh s
cho vay CTN v TD nm 2001.
- Nm 2002 l 49,884 triu ng, chim t trng l 56,26% doanh s cho vay CTN v
TD nm 2002, tng 4,859 triu ng (tng ng 10,79%) so vi nm 2001.
TD nm 2003, tng 9,808 triu ng (tng ng 19,66%) so vi nm 2002.
* i vi cho vay DNTN.
- Nm 2001 doanh s cho vay l 14,121 triu ng, chim t trng 15.96% doanh s
cho vay CTN v TD.
- Nm 2002 l 15,889 triu ng, chim t trng 17,92% doanh s cho vay CTN v
TD, tng 1,768 triu ng (tng ng 12,52%) so vi nm 2001.
TD, tng 426 triu ng (tng ng 2.68%) so vi nm 2002.
* i vi cho vay theo thnh phn khc.
- Doanh s cho vay nm 2001 l 20,813 triu ng, chim t trng 26.03% doanh s
cho vay CTN v TD nm 2001.
TD nm 2002, tng 2,080 triu ng (tng ng 10.00%) so vi nm 2001.
TD nm 2003, tng 885 triu ng (tng ng 3,87%) so vi nm 2002.
Trang 29
Bng 4: Doanh S Cho Vay Theo Thnh Phn Kinh T.
VT: triu ng.

Nm 2001
Ch tiu
DSCV
Nm 2002
T trng
(%)
DSCV
Nm 2003
T trng
(%)
DSCV
T trng
(%)
Chnh lch
2002/2001
Tuyt
Tng
i
i(%)
Chnh lch
2003/2002
Tuyt
Tng
i
i(%)
1.CN
45,025
56.31
49,884
56.26
59,692
59.82
4,859
10.79
9,808
19.66
2.DNTN
14,121
15.96
15,889
17.92
16,315
16.35
1,768
12.52
426
2.68
3. Khc
20,813
26.03
22,894
25.82
23,779
23.83
2,080
10.00
885
3.87
79,959
100.00
88,667
100.00
99,786
100.00
8,708
10.89
11,119
12.54
Tng cng
Trang 30
Biu 1 : Doanh S Cho Vay CTN v TD qua 3: nm 2001, nm 2002, nm 2003.

Doanh s cho vay
99,786
100
79,959
88,667
80
Tri u
ng
60
40
20
0
2001
2002
2003
Nm
T biu cho thy rng:

Doanh s cho vay CTN v TD tng qua cc nm, c bit tng cao vo nm 2003, c
th nh sau:
+ Doanh s cho vay CTN v TD nm 2001 l 79,959 triu ng
+ Doanh s cho vay CTN v TD nm 2002 l 88,667 triu ng, tng 8,708 triu
ng so vi nm 2001 tc l tng 10.89% so vi nm 2001.
+ Sang nm 2003 th doanh s cho vay l 99,786 triu ng, tng 11,119 triu
ng tc l tng 12.54% so vi nm 2002.
Nguyn nhn lm cho doanh s cho vay CTN v TD ngy cng cao l do: uy tn sn c
ca Ngn hng Chu (Hi s), kh nng tip th ca cn b tn dng cng nh thi phc
v ca h to cm gic thn thin i vi khch hng, th tc vay vn nhanh gn t tn thi
gian, li sut thp hn cc t chc tn dng khc...chnh nhng iu ny gp phn to lng
khch hng ngy cng ng n vay tin ti Ngn hng.
Trang 31
3.2.2. Phn tch doanh s thu n CTN v TD.

3.2.2.1. Doanh s thu n CTN v TD theo thi hn tn dng.
* i vi cho vay ngn hn.
Doanh s thu n nm 2001 l 55,181 triu ng, nm 2002 l 65,209 triu ng tng
10,028 triu ng so vi nm 2001 (tng 18.17%) v t mc 75,802 triu ng vo nm 2003
tc l tng 10,593 triu ng so nm 2002 (tng 16.24%). C th nh sau:
- Cng thng nghip:
+ Doanh s thu n nm 2001 l 46,865 triu ng, chim 84.93% so vi doanh
s thu n ngn hn nm 2001.
+ Nm 2002 l 54,756 triu ng, chim 83.97% so vi doanh s thu n ngn
hn nm 2002 v tng 7,891 triu ng so vi nm 2001 (tng 16.84%).
+ Sang nm 2003 l 64,682 triu ng, chim 85.33% so vi doanh s thu n
ngn hn nm 2003 v tng 9,926 triu ng so vi nm 2002 (tng 18.13%).
Ta thy doanh s thu n Cng thng nghip ngn hn trong 3 nm cao nht c
thc hin nm 2003 l 64,682 triu ng. Doanh s thu n tng dn qua cc nm, iu ny cho
thy cng tc thu n ngy cng c ch trng thc hin nhm m bo s tin pht vay thu
hi li c, cng tc thu n c ch trng gp phn gim ri ro tn dng, doanh s thu n
dao ng tng cng doanh s cho vay.
- Tiu dng:
+ Doanh s thu n nm 2001 l 8,316 triu ng, chim t trng 15.07% so vi
doanh s thu n ngn hn nm 2001.
+ Nm 2002 l 10,453 triu ng, chim t trng 16.03% so vi doanh s thu n
Trang 32
Bng 5: Doanh S Thu N Theo Thi Hn Tn Dng.
VT: triu ng.
Nm 2001
Ch tiu
DSTN
Nm 2002
T trng
(%)
DSTN
T trng
(%)
Nm 2003
DSTN
T trng
(%)
Chnh lch
2002/2001
Tuyt
Tng
i
i(%)
Chnh lch
2003/2002
Tuyt
Tng
i
i(%)
I. Ngn hn.
55,181
75.29
65,209
78.01
75,802
79.23
10,028
18.17
10,593
16.24
1. Cng thng.
46,865
84.93
54,756
83.97
64,682
85.33
7,891
16.84
9,926
18.13
8,316
15.07
10,453
16.03
11,120
14.67
2,137
25.70
0,667
6.38
II. Trung hn.
19,358
24.71
18,381
21.99
19,871
20.77
-0,977
-5.05
1,490
8.11
1. Cng thng.
8,241
42.57
7,989
43.46
8,201
41.27
-0,252
-3.06
0.212
2.65
11,117
57.43
10,392
56.54
11,670
58.73
-0,725
-6.52
1,278
12.30
74,539
100.00
83,590
100.00
95,673
100
0,9051
12.14
12,083
14.46
2. Tiu dng.
2. Tiu dng.
Tng cng.
Trang 33
* i vi trung hn.
Doanh s thu n trung hn tng gim qua cc nm nh sau: nm 2001 doanh s thu n
l 19,358 triu ng, nm 2002 l 18,381 triu ng gim 0,977 triu ng so vi nm 2001
(gim 5.05%) v t mc 19,871 triu ng nm 2003 tc tng 1,490 triu ng so vi nm
2002 (tng 8.11%).
- Cng thng nghip:
+ Doanh s thu n nm 2001 l 8,241 triu ng, chim 42.57% so vi doanh s
thu n trung hn nm 2001.
+ Nm 2002 l 7,989 triu ng, chim 43.46% so vi doanh s thu n trung hn
nm 2002 v gim 0,252 triu ng so vi nm 2001 (gim 3.06%).
+ Sang nm 2003 l 8,201 triu ng, chim 41.27% so vi doanh s thu n trung
hn nm 2003 v tng 0,212 triu ng so vi nm 2002 (tng 2.65%).
Ta thy doanh s thu n Cng thng nghip trung hn trong 3 nm cao nht c
thc hin nm 2001 ( 8,241 triu ng).
- Tiu dng:
+ Doanh s thu n nm 2001 l 11,117 triu ng, chim t trng 57.43 % so vi
doanh s thu n trung hn nm 2001.
trung hn nm 2002 v gim 0,725 triu ng so vi nm 2001 (gim 6.52%).
trung hn nm 2003 v tng 1,278 triu ng so vi nm 2002 (tng 12.30%).
Doanh s thu n Tiu dng trung hn trong 3 nm cao nht c thc hin trong nm
2003 (11,670 triu ng).
3.2.2.2. Doanh s thu n CTN v TD theo thnh phn kinh t.
Doanh s thu n CTN v TD c th hin nh sau:
Trang 34
* i vi C nhn.
- Nm 2001 doanh s thu n l 43,102 triu ng, chim t trng 57,82% doanh s thu
n nm 2001.
n nm 2002, tng 4,287 triu ng (tng 9.95%) so vi nm 2001.
- Nm 2003 doanh s thu n l 57,346 triu ng, chim t trng 59.94% doanh s thu
n nm 2003, tng 9,957 triu ng (tng 21,01%) so vi nm 2002.
Ta thy rng qua 3 nm doanh s thu n cho vay C nhn tng c v s tng i ln
s tuyt i c bit tng cao vo nm 2003.
* i vi DNTN.
- Nm 2001 doanh s thu n l 12,989 triu ng, chim t trng 17.43% doanh s thu
n nm 2001.
- Nm 2002 l 14,784 triu ng, chim t trng 17.69% doanh s thu n nm 2002,
tng 1,795 triu ng tc tng 13.82% so vi nm 2001.
tng 1,005 triu ng tc tng 6.80%.
* i vi cho vay theo thnh phn khc.
n nm 2001.
tng 2,969 triu ng tc tng 16.09% so vi nm 2001.
tng 1,121 triu ng tc tng 5.23%.
Trang 35
Bng 6: Doanh S Thu N Theo Thnh Phn Kinh T.
VT: triu ng.

Nm 2001
Ch tiu
DSTN
Nm 2002
T trng
(%)
DSTN
Nm 2003
T trng
(%)
DSTN
T trng
(%)
Chnh lch
2002/2001
Tuyt
Tng
i
i(%)
Chnh lch
2003/2002
Tuyt
Tng
i
i(%)
1.CN
43,102
57.82
47,389
56.69
57,346
59.94
4,287
9.95
9,957
21.01
2.DNTN
12,989
17.43
14,784
17.69
15,789
16.50
1,795
13.82
1,005
6.80
3. Khc
18,448
24.75
21,417
25.62
22,538
23.56
2,969
16.09
1,121
5.23
74,539
100.00
83,590
100.00
95,673
100.00
9,051
12.14
12,083
14.46
Tng cng
Trang 36
Biu 2 : Doanh S Thu N CTN v TD qua 3 nm.
Doanh s thu n
95,673
100
80
Triu
ng
83,59
74,539
60
40
20
0
2001
2002
2003
Nm
T biu cho thy doanh s thu n CTN v TD tng qua cc nm, c th:
- Nm 2001 doanh s thu n CTN v TD l 74,539 triu ng.
- Nm 2002 doanh s thu n l 83,590 triu ng, tng 9,051 triu ng so vi nm
2001 tc l tng 12.14%.
- Nm 2003 doanh s thu n l 95,673 triu ng, tng 12,083 triu ng tc tng
14.46%.
S d doanh s thu n tng dn qua cc nm l do:
- Doanh s cho vay ngy cng tng.
- Ngn hng cn thn trong vic thm nh khch hng vay nhm hn ch thp nht ri
ro trong hot ng tn dng.
- Nng lc lm vic ca cn b tn dng ngy cng c ch trng nng cao gip h
quan st v la chn khch hng cho vay: trc, trong v sau khi cho vay cn b tn dng lun
quan st theo di vic cho vay, h lun nhc nh khch hng khi n k tr n qua nhng cu
giao tip vi thin ch gp phn to thun li trong cng tc thu n ca mnh.
- Phn ln cc khon cho vay l ngn hn, vic qun l cng nh thu hi n s nhanh
chng hn gip Ngn hng trnh c ri ro bi v cho vay vi k tr n di hn s c bin
Trang 37
ng nhiu do hot ng kinh doanh ca doanh nghip phi i mt vi nhiu yu t: cnh

tranh, th trng, gi c,nhng nu v l do m hn ch cho vay di hn Ngn hng s
mt i phn li nhun khng nh t hot ng cho vay di hn.
3.2.3. Phn tch d n cho vay CTN v TD.
3.2.3.1 D n cho vay CTN v TD theo thi hn tn dng.
* i vi ngn hn.
D n cho vay CTN v TD theo thi hn tn dng l ngn hn tng dn qua cc nm:
- Nm 2001 d n l 50,814 triu ng, chim t trng 75.32% d n cho vay CTN v
TD nm 2001.
- Nm 2002 d n l 53,808 triu ng, chim t trng 74.18% d n cho vay nm
2002, tng 2,994 triu ng so vi nm 2001 tc tng 5.89%.
- Nm 2003 d n l 56,967 triu ng, chim t trng 74.33% d n cho vay nm
2003, tng 3,159 triu ng so vi nm 2002 tc tng 5.87%.
D n cho vay Cng thng nghip.
D n cho vay CTN cao nht vo nm 2003 vi 47,780 triu ng, chim t trng
83.87% d n cho vay ngn hn CTN v TD, thp nht vo nm 2001 vi 43,105 triu ng,
chim t trng 84.83% d n cho vay ngn hn.
D n cho vay Tiu dng.
Ngc li vi CTN d n cho vay TD th hin s thng trm nh sau: nm 2001 l
7,708 triu ng, nm 2002 l 8,802 triu ng tng 1,094 triu ng (tng 14.19%), nm
2003 l 9,187 triu ng tng 385 triu (tng 4.37%) so vi nm 2002.
Trang 38
Bng 7: D N Theo Thi Hn Tn Dng.
VT: triu ng.

Nm 2001
Ch tiu
DN
Nm 2002
T trng
(%)
DN
Nm 2003
T trng
(%)
DN
T trng
(%)
Chnh lch
2002/2001
Tuyt
Tng
i
i(%)
Chnh lch
2003/2002
Tuyt
Tng
i
i(%)
I. Ngn hn.
50,814
75.32
53,808
74.18
56,967
74.33
2,994
5.89
3,159
5.87
1. Cng thng.
43,106
84.83
45,006
83.64
47,780
83.87
1,900
4.41
2,774
6.16
7,708
15.17
8,802
16.36
9,187
16.13
1,094
14.19
385
4.37
II. Trung hn.
16,650
24.68
18,733
25.82
19,703
25.67
2,083
12.51
954
5.09
1. Cng thng.
6,938
41.67
8,068
43.07
8,420
42.77
1,130
16.29
352
4.36
2. Tiu dng.
9,712
58.33
10,665
56.93
11,267
57.23
953
9.81
602
5.64
67,464
100.00
72,541
100.00
76,654
100.00
5,077
7.53
4,113
5.69
2. Tiu dng.
Tng cng.
Trang 39
*i vi trung hn.
- D n cho vay trung hn nm 2001 l 16,650 triu ng, chim t trng 24.68% d
n cho vay nm 2001.
- D n trung hn nm 2002 l 18,733 triu ng, chim t trng 25.82% d n cho
vay nm 2002, tng 2,083 triu ng so vi nm 2001 (tng 12.51%).
- D n trung hn nm 2003 l 19,703 triu ng, chim t trng 25.67% d n cho
vay nm 2002, tng 954 triu ng (tng 5.09%).
i vi Cng thng nghip.
- Nm 2001 d n l 6,938 triu ng, chim t trng 41.67% d n trung hn nm
2001.
2002, tng 1,130 triu ng (tng 16.29%) so vi nm 2001.
2003, tng 352 triu ng (tng 4.36%) so vi nm 2002.
i vi Tiu dng.
- Nm 2001 l 9,712 triu ng, chim t trng 58.33% d n trung hn nm 2001.
- Nm 2002 l 10,665 triu ng, chim t trng 56.93% d n trung hn nm 2002,
tng 953 triu ng (tng 9.81%) so vi nm 2001.
- Nm 2003 l 11,267 triu ng, chim t trng 57.23% d n trung hn nm 2003,
tng 602 triu ng (tng 5.64%) so vi nm 2002.
3.2.3.2. D n CTN v TD theo thnh phn kinh t.
i vi C nhn.
D n cho vay c nhn v s tuyt i cng nh tng i tng dn qua c nm: nm
2001 l 38,947 triu ng ( chim 57.73%), nm 2002 l 41,442 triu ng (chim 56,69%),
tip tc tng vi con s l 43,788 triu ng (chim 57.12%). Khi xt v mc chnh lch:
+ Nm 2002 tng 2,495 triu ng (tng 6.41%) so vi nm 2001.
Trang 40
i vi DNTN.
D n cho vay DNTN v s tuyt i tng v s tng i c s thay i thng trm
qua cc nm: nm 2001 l 11,745 triu ng (chim 17.41%), nm 2002 l 12,850 triu ng
(chim 17.71%), vi con s l 13,376 triu ng (chim 17.48%) vo nm 2003. Khi xt v
mc chnh lch:
+ Nm 2003 tng 526 triu ng ( tng 4.09%) so vi nm 2002.
i vi cho vay theo thnh phn khc.
D n cho vay v s tuyt i tng dn qua cc nm nhng v s tng i li gim
c th hin nh sau: nm 2001 l 16,772 triu ng (chim 24,86%), nm 2002 l 18,249
triu ng (chim 25.16%), tip tc tng vi con s l 18,133 triu ng (chim 25.43%). Khi
xt v mc chnh lch:
Trang 41
Bng 8: D N Cho Vay Theo Thnh Phn Kinh T.
VT:triu ng.
Nm 2001
Ch tiu
DN
Nm 2002
T trng
(%)
DN
T trng
(%)
Nm 2003
DN
T trng
(%)
Chnh lch
2002/2001
Tuyt
Tng
i
i(%)
Chnh lch
2003/2002
Tng
Tuyt i
i(%)
1.CN
38,947
57.73
41,442
57.13
43,788
57.12
2,495
6.41
2,346
5.66
2.DNTN
11,745
17.41
12,850
17.71
13,376
17.45
1,105
9.41
526
4.09
3. Khc
16,772
24.86
18,249
25.16
19,490
25.43
1,477
8.81
1,241
6.80
Tng cng
67,464
100.00
72,541
100.00
76,654
100.00
5,077
7.53
4,113
5.69
Trang 42
Biu 3 : D N Cho Vay CTN v TD.
D n cho vay
Trieu
ong
78,000
76,000
74,000
72,000
70,000
68,000
66,000
64,000
62,000
76,654
72,541
67,464
2001
2002
2003
Nam
T biu ta thy tng d n cho vay tng dn theo cc nm:

- Nm 2001 l 67,464 triu ng.
- Nm 2002 l 72,541 triu ng, tng 5,077 triu ng (tng 7.53%) so vi nm 2001.
- Nm 2003 l 76,654 triu ng, tng 4,113 triu ng (tng 5.69%) so vi nm 2002.
3.2.4. Phn tch n qu hn.
3.2.4.1. N qu hn theo thi hn tn dng.
* i vi ngn hn.
N qu hn gim qua cc nm, gim nhiu nht vo nm 2003 vi 130 triu ng
(gim 15.53%) so vi nm 2002, nm 2002 gim n qu hn so vi nm 2001 l 102 triu
ng (gim 10.86%).Trong :
Cng thng nghip.
- Nm 2001 l 796 triu ng.
- Nm 2002 gim xung cn 703 triu ng, so vi nm 2001 gim 109 triu ng
(gim 13.69%).
- Nm 2003 n qu hn lc ny ch cn 599 triu ng, so vi nm 2002 gim 104
triu ng (gim 14.79%).
Trang 43
N qu hn CTN gim qua cc nm iu ny phn no th hin cht lng tn dng

ngy cng c nng cao, ng thi cng cho thy khch hng vay s dng vn vay c sinh
li kh nng tr n ngy cng cao hn.
i vi Tiu dng.
- N qu hn nm 2001 l 143 triu ng.
- Nm 2002 l 134 triu ng, gim 9 triu ng (gim 6.29%) so vi nm 2001.
- Nm 2003 l 108 triu ng, gim 26 triu ng (gim 19.40%) so vi nm 2002.
Ngc li vi CTN th TD c n qu hn gim nhiu nht vo nm 2003 vi 42 triu
ng, hn mc gim nm 2002 khong 4.5 ln. Nguyn nhn l do phn ln vay di hnh
thc cm c s tit kim cho nn khi khch hng khng tr n s trch s tit kim thu hi
n mt khc khch hng v khng mun s dng tin t s tit kim nhm hng li tin gi
nn cn tin tm thi thch i vay hn l rt tin nn n qu hn gim mnh.
* i vi trung hn.
- N qu hn gim dn qua cc nm c bit gim mnh vo nm 2002 t con s 311
triu ng nm 2001 xung cn 238 triu ng, tc gim 73 triu ng so vi nm 2001, n
qu hn nm 2003 c gim nhng mc gim khng bng nm 2002 so vi nm 2002 th nm
2003 ch gim 50 triu ng (gim 21.01%).
- N qu hn CTN cng gim mnh vo nm 2002, gim 32 triu ng so vi nm
2001; v nm 2003 cng th gim 20 triu ng so vi nm 2002 (gim 16.67%).
Trang 44
Bng 9: N Qu Hn CTN v TD Theo Thi Hn Tn Dng.
VT: triu ng.

Nm 2001
Ch tiu
NQH
Nm 2002
T trng
(%)
NQH
Nm 2003
T trng
(%)
NQH
T trng
(%)
Chnh lch
2002/2001
Tuyt
Tng
i
i(%)
Chnh lch
2003/2002
Tuyt
Tng
i
i(%)
I. Ngn hn.
939
75.22
837
78.01
707
77.87
-102
-10.86
-130
-15.53
1. Cng thng.
796
84.73
703
84.04
599
84.04
-93
-11.68
-104
-14.79
2. Tiu dng.
143
15.27
134
15.96
108
17.60
-9
-6.29
-26
-19.40
II. Trung hn.
311
24.88
238
21.99
188
22.13
-93
-23.47
-50
-21.01
1. Cng thng.
131
41.97
99
43.07
79
43.07
-32
-24.43
-20
-20.02
2. Tiu dng.
180
58.03
139
56.93
109
56.93
-41
-22.78
-30
-21.58
1,250
100.00
1,075
100.00
895
100.00
-175
-14.00
-180
-16.74
Tng cng.
Trang 45
3.2.4.2. N qu hn cho vay theo thnh phn kinh t.

i vi C nhn.
N qu hn i vi cho vay C nhn gim qua cc nm t 2001 n nm 2003, gim
cc mnh vo nm 2002 t mc 721 triu ng ch cn 607 triu ng vo nm 2001 vi con
s gim l 114 triu ng so vi nm 2001 (gim 15.81%).
S d n qu hn gim nhiu nh th l do s n lc trong cng vic ca cc cn b tn
dng trong vic thu n cng nh vic tm ra bin php nhm trnh vic chuyn d n trong
hn sang n qu hn thng qua cng tc thm nh, theo di mn tin cho vay, cng nh la
chn khch hng vay phn no gp phn gim n qu hn.
i vi DNTN.
Khng nh mc gim n qu hn cho vay C nhn, n qu hn cho vay theo TPKT
l DNTN con s gim gia cc nm c bin ng nh sau:
+ Nm 2002 n qu hn l 217 triu ng.
+ Nm 2002 l 190 triu ng gim 27 triu ng so vi nm 2001 (gim
12.44%).
+ Nm 2003 gim 43 triu ng so vi nm 2002 (gim 22.37%).
i vi cho vay theo thnh phn khc.
N qu hn gim mnh vo nm 2003 vi 58 triu so vi nm 2002 (gim 21.00%),
nm 2002 gim 34 triu ng so vi nm 2001 (gim 10.90%) c th hin nh sau:
+ Nm 2001 n qu hn l 312 triu ng.
+ Nm 2002 n qu hn l 278 triu ng, gim 34 triu ng (gim 10.90%) so
vi nm 2001.
+ Nm 2003 l 220 triu ng, gim 58 triu ng (gim 21.00%) so vi nm 2002.
Trang 46
Bng 10: N Qu Hn Theo Thnh Phn Kinh T.
VT: triu ng.

Nm 2001
Ch tiu
NQH
Nm 2002
T trng
(%)
NQH
T trng
(%)
Nm 2003
NQH
T trng
(%)
Chnh lch
2002/2001
Tuyt
Tng
i
i(%)
Chnh lch
2003/2002
Tuyt
Tng
i
i(%)
1.CN
721
57.69
607
56.48
528
58.98
-114
-15.81
-99
-13.04
2.DNTN
217
17.38
190
17.64
148
17.45
-27
-12.44
-43
-22.37
3. Khc
312
24.93
278
25.88
220
24.54
-34
-10.90
-58
-21.00
1,250
100.00
1,075
100.00
895
100.00
-175
-14.00
-180
-16.74
Tng cng
Trang 47
Biu 4: N Qu Hn Cho Vay CTN v TD.
N qu hn cho vay CTN v TD
1,400
1,250
1,200
1,075
0,895
1,000
triu 0,800
ng 0,600
0,400
0,200
0,000
2001
2002
2003
Nm
T biu n qu hn gim dn qua cc nm:

- Nm 2001 n qu hn cho vay CTN v TD l 1,250 triu ng.
- Nm 2002 n qu hn gim ch cn 1,075 triu ng, gim 175 triu ng so vi nm
2001 (gim 14.00%).
- Nm 2003 n qu hn l 895 triu ng, gim 180 triu ng so vi nm 2002.
N qu hn gim cho thy cng tc thu n thun li, d n mc d tng qua cc nm
nhng d n chuyn n qu hn c chiu hng gim dn v sau. Tuy nhin vi n qu hn
thp nht l 895 triu ng vo nm 2003 vn cn cao, cn c bin php gim thiu ti a
con s ny xung mc thp nht c th c.
N qu hn cn th hin nng lc lm vic ca cn b tn dng trong vic thm nh,
nh gi khch hng, thc hin c iu ny i hi nng lc ca cn b tn dng khng
ngng c nng cao.
Trang 48
3.2.5. Phn tch d n cho vay CTN v TD trn tng ngun vn v trn vn huy
ng.
D n trn tng ngun vn.
Ch tiu ny qu cao cng khng tt, m qu thp cng khng tt bi v n nh gi
kh nng cho vay ca Ngn hng. Nu ch tiu ny qu cao tc l Ngn hng s dng gn
nh ton b ngun vn vo cho vay, do ri ro khng c kh nng thanh ton cho khch
hng s rt cao.
Ngc li, t l ny qu thp th Ngn hng khng cn l Ngn hng na v vai tr ca
Ngn hng l trung gian l cu ni gia ngi tha vn v thiu vn.
Bng 11: D N Trn Tng Ngun Vn.
VT: triu ng.
Ch tiu
D n.
Tng ngun vn.
DN/TNV (%)
Nm 2001
Nm 2002
Nm 2003
6,7464
72,541
76,654
25,5764
271,041
296,266
26.377
26.746
25.870
Ta thy d n trn tng ngun vn qua cc nm: nm 2001 l 26.377%, nm 2002 tng
vi t l 26.764% v gim so vi con s 25.870% vo nm 2003, t bng cho thy d n ngy
cng tng ngha l Ngn hng cho vay ngy cng nhiu, vn Ngn hng c s dng ngy
cng cao.
D n trn vn huy ng.
Gi tr ny cng gn 1 cng tt v n cho thy vn huy ng c s dng vo vic cho
vay cng c hiu qu. D n trn vn huy ng ti ACB An Giang c th hin nh sau:
Trang 49
Bng 12: D N Trn Vn Huy ng.

VT: triu ng.
Ch tiu
Nm 2001
Nm 2002
Nm 2003
D n
67,464
72,541
76,654
Vn huy ng
40,794
45,481
51,343
DN/VH (%)
165.377
159.497
149.298
T bng d n trn vn huy ng cho thy ngy cng gim: nm 2001 l 165.377%,
nm 2002 l 159.497%, nm 2003 l 149.298% iu ny th hin vn huy ng tham gia vo
d n ngy cng tng, gi tr ny cng gn 1 cng mang hiu qu cho hot ng tn dng ti
ngn hng, nm 2003 chim hn 66% tuy cha cao nhng vi s n lc ca Ngn hng con s
ny s c ci thin cao hn na.
3.2.6. Phn tch h s thu n cho vay CTN v TD.
H s ny phn nh cng tc thu n ca cn b tn dng tt hay cha tt, ng thi n
cng phn nh kh nng tr n ca khch hng.
H s ny cng ln cho thy khch hng s dng vn ng mc ch to ra li nhun
nn vic tr n c thc hin tt hn v cng tc thu n ca cn b tn dng c tri chy
hn.
Bng 13: H S Thu N CTN v TD.
VT: triu ng.
Ch tiu
Nm 2001
Nm 2002
Nm 2003
Doanh s thu n
74,539
83,590
95,673
Doanh s cho vay
79,959
88,667
99,786
0.93
0.94
0.96
H s thu n (ln)
Trang 50
H s thu n tng dn qua cc nm: nm 2001 l 0.93 ln, nm 2002 l 0.94 ln, nm
2003 l 0.96 ln, cng tc thu n ngy cng c ch trng hn nh: thm nh khch hng
trc, trong v sau khi cho vay m bo s tin vay thu hi c.
3.2.7. T l n qu hn cho vay CTN v TD.
N qu hn th hin con s m khch hng v l do no khng th tr n cho Ngn
hng ng hn c, ngha l cho vay ca Ngn hng gp ri ro. Ngn hng Chu c bit
ch chp nhn n qu hn tng vi mc thp min sao li t nghip v cho vay tng cao
nhiu ln so vi n qu hn, n qu hn tng ch l con s nh.
Bng 14: T L N Qu Hn CTN v TD.
VT: triu ng.
Ch tiu
N qu hn
Tng d n CTN v TD
NQH/DN (%)
Nm 2001
Nm 2002
Nm 2003
1,250
1,075
895
67,464
72,541
76,654
1.85
1.48
1.16
T bng t l n qu hn cho thy rng t l n qu hn trn d n ngy cng gim:

nm 2001 l 1.85%, nm 2002 l 1.48%, tip tc gim ch cn 1.16% y l du hiu kh quan
cho thy cng tc thu n c thc hin cht ch hn: mc d d n ngy cng tng cng
ng ngha doanh s cho vay tng th nhng d n chuyn n qu hn li gim dn cho thy
cng tc thm nh khch hng trc khi cho vay cng nh qu trnh theo di n chc ch ca
cn b tn dng gp tch cc vo vic thu n khch hng.
3.3. Thc trng chung ca tn dng Cng thng nghip v Tiu dng.
Nu ch xt trn gic tn dng CTN v TD s khng nhn din ht c hiu qu
ca n, v vy cn xt trn tng th cc khon cho vay ca Ngn hng xem t trng ca n
chim bao nhiu phn trm trn tng s.
Trang 51
Bng 15: Tng Doanh S Cho Vay Ca Ngn Hng Chu An Giang.
VT: triu ng.
Ch tiu
1.Nng nghip
2. Cng thng nghip
3. Tiu dng
Tng cng
Nm 2001
T trng
DSCV
(%)
89,305
52.76
59,144
34.94
20,815
12.30
169,264
100.00
Nm 2002
T trng
DSCV
(%)
103,169
55.24
62,745
33.60
20,845
11.16
186,759
100.00
Nm 2003
T trng
DSCV
(%)
119,425
55.52
72,883
33.88
22,790
10.60
215,098
100.00
Doanh s cho vay ca Ngn hng ngy cng tng l nh vo s tn nhim ca khch
hng i vi Ngn hng, mt phn l do thi phc v ca nhn vin ngn hng.
Khi xem xt trn tng th r rng hot ng tn dng CTN v TD chim t trng thp
hn so vi Nng nghip:
- Doanh s cho vay Nng nghip khng nhng tng v s tuyt i m c s tng i
cng tng: nm 2001 chim t trng 52.76%, nm 2002 l 55.24%, nm 2003 l 55.52%. T
trng cho vay Nng nghip ngy cng tng cng l iu d hiu bi v hn 80% dn s sn
xut nng nghip, An Giang li l da la ng Bng Sng Cu Long ngi dn ch yu
sng nh vo sn xut nng nghip, mc khc uy tn cng nh mc li sut cho vay Ngn
hng Chu thp hn cc Ngn hng khc (li sut cho vay ngn hn l 1.10%/thng, trung
hn l 1.20%/thng), cng vo l s hng dn tn tnh ca cn b tn dng v h s vay
gp phn tng doanh s cho vay.
- Trong khi doanh s cho vay CTN v TD tuy tng v s tuyt i nhng v s
tng i c hai iu gim. Cn c bin php ph hp hn tt hn nng cao t trng cho
vay CTN v TD v iu ny chc chn lm c. Bi v:
+ An Giang c khong 1093 doanh nghip va v nh, y l tim nng gp phn
tng cao doanh s cho vay Cng thng nghip, ch trng ca tnh l tng t trng GDP
cng nghip v dch v ng thi gim t trng GDP nng nghip.
+ Nhu cu cho sinh hot gia nh ngy cng cao, do cn c nhiu loi hnh cho
vay tiu dng thu ht ngi dn.
Trang 52
Bn cnh nn kinh t pht trin theo hng kinh t th trng, Vit nam gia nhp
AFTA, CEPT, m ra nhiu thch thc cho doanh nghip Vit Nam, m trong vn v
vn l vn nan gii, s c nhiu doanh nghip cn vn tng cng kh nng kinh doanh
ca mnh n cng chnh l c hi Ngn hng tham d vo.
Biu 5: C cu cho vay ti ACB An Giang.
Nm 2002
Nm 2001
TD
11.16%
TD
12.30%
NN
52.76%
CTN
34.94%
NN
55.24%
CTN
33.60%
Nm 2003
TD
10.60%
NN
55.52%
CTN
33.88%
C cu cho vay ti Ngn hng Chu thay i qua cc nm theo hng tng t trng
cho vay nng nghip, gim t trng cho vay CTN v TD:
+ Nng nghip: nm 2001 l 52.76%, nm 2002 l 55.24%, tip tc tng n con s
55.52% vo nm 2003.
+ Cng thng nghip: nm 2001 l 34.94%, nm 2002 cn 33.60%, nm 2003 li
tng ln con s 33.88%.
Trang 53
+ Tiu dng: ngc vi Nng nghip v Cng thng nghip t trng ngy cng
gim: nm 2001 l 12.30%, nm 2002 l 11.16%, nm 2003 tip tc gim cn 10.60%.
Trang 54
CHNG 4
GII PHP NHM NNG CAO HIU QU TN DNG
4.1. nh hng m rng tn dng Cng thng nghip v Tiu dng.

- y mnh tc pht trin tn dng CTN v TD vi doanh s cho vay cao hn 50%
tng doanh s cho vay ca Ngn hng, nhng trc tin t mc tng 20% so vi nm 2003
vo nm 2004 i vi cho vay CTN v TD.
- Gim t l n qu hn n mc thp nht c th c trn phn d n cho vay so vi
nm 2003.
- Ngn hng phi gi vai tr tch cc hn trong vic thu thp, cung cp nhng thng
tin cn thit h tr cho hot ng kinh doanh ca khch hng, c gng l ngi c vn tt
nht cho Doanh nghip trong cc vn v ti chnh v th trng.
- Nng cao trnh cn b tn dng hn na theo hng cho vay trn c s hiu bit
khch hng, khng n thun ch cho vay trn ti sn th chp .
- Nghin cu th trng pht hin c hi ngh nghip, cho vay a dng hn nhm
tho mn nhu cu a dng ca khch hng.
- ACB nhm n thnh phn khch hng c thu nhp n nh, cc doanh nghip va v
nh trong ch trng doanh nghip sn xut.
4.2. Bin php huy ng vn.
Trong hot ng ca Ngn hng gia huy ng vn v s dng vn c mi quan h
nhn qu vi nhau.
To vn l gii php hng u Ngn hng pht trin v Ngn hng pht trin v
m bo kinh doanh. Cn c chnh sch to vn ph hp nhm khai thc mi tim nng v
vn, c c ngun vn mnh p ng nhu cu vay vn ca khch hng cng nh hot
ng kinh doanh khc ca Ngn hng.
Trang 55
Vn huy ng thng t ngun: ngn sch doanh nghip, ngn hng khc, dn
c,Trong ngun vn trong dn c v doanh nghip l quan trng nht v y l ni to ra
tch t vn, l ngun nguyn thu to ra ngun vn cho Ngn hng.
Hu ht tm l ca ngi dn thch tin nh hn l gi tin vo Ngn hng mc
d h bit gi tin vo Ngn hng h s c tin li, th nhng h li c tm l khng an ton
khi gi tin vo Ngn hng. V vy, Ngn hng cn to ra s hp dn cho khch hng gi tin
bng cch:
+ a dng ho cc hnh thc huy ng.
+ Pht hnh k phiu, tri phiu c m bo bng ngoi t khch hng yn tm
khng s lm pht.
+ p dng li sut khuyn khch khi huy ng vn: gi mn tin ln trong thi
gian di li sut cao hn gi mn tin nh, ngha l trong cng mt thi gian gi tin vi s
tin ln s c mc li sut cao hn gi s tin nh.
+ p dng hnh thc tit kim trng thng theo s th t ca s tit kim s to
s hp dn v si ng hn.
+ Tng cng tip cn, chiu th trc tip i tng c thu nhp cao.
+ Thc hin m bo tin gi cho khch hng.
+ i ng nhn vin giao dch phi nng ng, sng to, thn thin to cm gic
an ton, thoi mi cho khch hng.
4.3. Bin php nng cao hiu qu tn dng CTN v TD.
4.3.1. S kt hp ca nhiu phng thc cho vay.
S kt hp ny s mang li li ch cho c ngi vay v Ngn hng, bi v ngi i
vay c th chn la cho mnh phng thc ph hp nht v Ngn hng thu ht c nhiu
khch hng.
Hot ng cho vay ca Ngn hng Chu v CTN thng theo phng thc cho vay
theo d n u t. iu ny khng mang li hiu qu tt nht cho Ngn hng ln khch hng:
+ i vi khch hng c tnh chi ph b ra u t cho chin lc ca mnh v
lp phung n xin vay vi s tin , nhng trn thc t c th s tin c tnh ny c th d
tha hoc thiu ht, nu thiu ht li phi lm th tc vay v ngc li d tha li chu khong
Trang 56
ph v ch, c hai trng hp khch hng iu s dng vn vay khng mang li hiu qu mong
i.
+ i vi Ngn hng: khi khch hng b thiu ht vn cha chc chn khch hng
s vay ti Ngn hng tnh cp bch but khch hng vay nng ca c nhn no , iu ny s
lm Ngn hng khng thu c li t im ny.
=> T nhng l gii trn cho thy Ngn hng cn s dng nhiu phng thc cho vay tng
doanh s cng nh khch hng vay tin ti n v mnh.
4.3.2. Cho vay theo li sut tha thun.
Khi cc Ngn hng hot ng theo cch c nh li sut, ngha l qun l ti sn c
(u t v cho vay) theo hng quan tm n li sut c li nhun nn buc phi i tm
khch hng chp nhn li sut a ra.
Ngc li, khi Ngn hng th ni li sut trong khun kh ca Ngn hng nh nc,
li sut c xc nh theo tha thun gia Ngn hng v khch hng theo tng thng v s
tt hn. Bi v, khi Ngn hng th ni li sut v chp nhn tnh li theo tng kt qu thng
lng, s c nhiu khch hng tm n vi Ngn hng v iu ny s to nhiu c hi la chn
u t. Ngn hng khng cn tm kim mt cch n phng na, m c khch hng cng tm
Ngn hng, do c hai thy c th c nhiu li ch qua thng lng.
4.3.3. Tng cng cng tc thm nh, kim tra nhm hn ch ri ro tn dng.
y l ni dung gi v tr quan trng quyt nh n cht lng tn dng v phng
nga ri ro. i vi cng tc cho vay ca Ngn hng, trong tt c cc bc th thm nh l
bc quan trng nht pht tin vay ti tay ngi s dng, nu cng tc thm nh khng
chnh xc, y th ri ro ca Ngn hng khng th trnh khi.
Khi ri ro tn dng ny sinh s lm ng vn kinh doanh m Ngn hng b ra s khng
em li hiu qu, lm nh hng hot ng ca Ngn hng, chnh iu m trc khi cho
vay cn b tn dng phi nm bt c cc thng tin, nh gi kh nng ti chnh ca khch.
Cng tc thm nh s kh khn hn i vi i tng vay Cng thng nghip bi v
trnh ca h cng tng xng vi cn b thm nh nn cn kim tra cht ch hn. hn
ch ri ro tn dng cn thit phi thc hin mt s cng vic sau:
Trang 57
+ Kim tra tnh php l ca h s vay vn, hp ng th chp, giy u

quyn,phi c ch k th hin s ng tnh v cng chu trch nhim v mn tin vay ca
ngi ng ra vay vn.
+ Ni dung kinh t ca vic vay vn, tnh kh thi ca phng n kinh doanh, kh
nng tr n cho Ngn hng.
+ Tnh hp php ca ti sn th chp, cc quyn ca ngi vay i vi ti sn th
chp. c bit l phi ch n tinh thn trch nhim ca cc thnh vin c lin quan i vi
mn vay. Bi v, yu t ti sn th chp ch l bin php cui cng x l cc khon n vay
kh i, cn ngun tr n vay chnh l tin c c t hiu qu phng n kinh doanh, s sn
lng tr n mi l yu t quyt nh kh nng thu hi vn ca Ngn hng.
+ Thng xuyn tin hnh kim tra, kim sot trc, trong v sau khi cho vay.
Kim sot cho vay phi c thc hin t khu bt u nhn h s xin vay n khi thu ht n
gc v li. Trong , Ngn hng cn tp trung kim tra, kim sot cc khu:
. Kim tra cht ch h s trc khi cho vay.
. Kim tra qu trnh s dng vn vay xem khch hng s dng vn c ng
mc ch vay vn khng.
. Kim tra kt qu sn xut kinh doanh, cht lng sn phm, theo di thi
gian tiu th v thanh ton tin hng n c thu n v li kp lc.
4.3.4. Xp hng khch hng theo mc ri ro tn dng.
Khi nhn vin tn dng tin hnh xp hng khch hng s gip h qun l cc khon
vay hiu qu hn hn ch ri ro tn dng do khng nm bt c tnh hnh thc t ca khch
hng. Khi xp hng s mang li li ch sau:
+ Cho php h c nhn nh chung v ri ro cc khon cho vay.
+ Pht hin sm cc khon vay c kh nng b tn tht, t c bin php x l
thch hp.
+ Nhn vin c th xc nh c khi no cn tng s gim st.
+ Vic xp hng khch hng s lm c s xc nh mc d phng ri ro.
Vic xp hng khch hng phi c thc hin vi tt c khch hng khng phn bit
c v mi, khng cho khch hng bit nh gi ri ro v mn tin cho vay trong mi trng
Trang 58
hp trnh tnh trng khch hng lm sai lch thng tin. Sau khi xp hng khch hng nu c
s thay i v kh nng tr n ca khch hng phi tin hnh nh gi li.
Khi tin hnh xp hng nht thit Nhn vin phi da vo:
+ Tnh cch, trch nhim v tin cy ca ngi ng vay.
+ Lch s n vay ca ngi i vay.
+ Mc ri ro nghnh ngh kinh doanh m khch hng ang thc hin.
+ Nhng bin ng trong hot ng kinh doanh ca khch hng.
+ Cht lng ca cc chin lc kinh doanh.
+ Ti sn m bo.
Sau khi nh gi nh th Nhn vin cn nh gi thm tnh cht hp php, gi tr ti
sn th chp, cng nh ngi bo lnh,nhng cng vic ny s gip hn ch ti a ri ro
trong hot ng tn dng.
4.3.5. Thnh lp cng ty mua bn n v x l ti sn ti Ngn hng chnh.
Khi Ngn hng gp phi nhng khon tn dng nhiu ri ro kt hp nhiu li nhun,
Ngn hng c th hn ch ri ro bng cch chuyn ri ro cho cc ch th c kh nng chu
ng ri ro (nh cng ty bo him) bng cch mua bo him, hoc chung lng gnh ri ro,
hay bn ri ro.
Trong hot ng tn dng, Ngn hng c mt s khch hng vay mang nhiu ri ro,
nu t chi Ngn hng s mt khch hng, v th cn thc hin:
+ Mua bo him cho vay.
+ Cho vay ng ti tr.
+ Bn ri ro: i vi khon cho vay ln ri ro cao Ngn hng nn bn cho Ngn
hng ln khc hay cho Ngn hng chnh hay cng ty bo him hng hoa hng.
4.3.6. Xy dng c ch tn dng ph hp.
Hot ng kinh doanh ca Ngn hng cng nh cc doanh nghip khc mun tn ti
v pht trin cn phi lin tc tm kim th trng v y mnh pht trin th trng m mnh
cha hot ng hiu qu.
Do vy khi xy dng c ch, chnh sch cn phi c quan im kinh doanh v phc v
r rng khng c coi trng mt ny xem nh mt kia. Do nhng cn b lm c ch phi
Trang 59
tn trng quan im ny, khi xc nh mc tiu hay ni dung ca chnh sch c ch phi
nhm y mnh hot ng kinh doanh ca mnh mt cch tt nht.
i vi khch hng ni chung v nht l khch hng tn dng Cng thng nghip ni
ring: c ch tn dng Ngn hng phi ph hp vi mc ch s dng ca khch hng vi li
sut v k hn hp l, th tc n gin thun tin thu ht c nhiu khch hng nhng vn
m bo c li ch Ngn hng.
i vi hot ng kinh doanh Ngn hng: phm vi, gii hn tn dng phi ph hp vi
thc lc ca bn thn Ngn hng v m bo tnh cnh tranh trn th trng vi nguyn tc
hiu qu v an ton.
4.4. Cc bin php khc.
4.4.1. Marketing.
4.4.1.1. Tm kim khch hng.
Mun y mnh pht trin tn dng Cng thng nghip v Tiu dng vn chnh
yu l phi c khch hng v thu ht c khch hng. Vic ny i hi nhn vin chuyn
trch Ngn hng nghin cu nn kinh t ca tnh, chuyn su vo cc x nghip, cng ty, khu
sn xut, c nhn sn xut,. nm bt c cc thnh phn c nhu cu m rng, ci tin,
pht trin doanh nghip mnh. T cung ng tn dng, to iu kin cho cc t chc pht
trin ng thi u t vo cc nghnh, cc d n c tnh kh thi cao.
Khi nm bt c tnh hnh iu kin kinh t ca cc t chc c nhu cu t Ngn
hng c yu cu h tr. Ngoi ra, Ngn hng nn lin kt, tham mu cho cp u chnh quyn
va nm bt ch trng, nh hng, va phi hp gip tnh ku gi vn lin doanh, lin kt
cng nhau h tr cho cc cng trnh ln, d n ln cn nhiu vn.
4.4.1.2. Thu ht khch hng.
Khi xc nh c cc t chc kinh doanh cn h tr tn dng, chnh l lc Ngn
hng cn phi cho khch hng thy c cc chnh sch li ch ca Ngn hng i vi t chc
cn vn so vi cc Ngn hng khc nhm thu ht khch hng. C cc gii php sau:
+ Li sut l cng c nhy cm nht, bi v khi khch hng vay vn iu trc
tin h quan tm chnh tin li h phi tr do cn c chnh sch li sut ph hp va thu ht
c khch hng va to ra li nhun cho Ngn hng.
Trang 60
+ Khi thu ht khch hng s phi cnh tranh khch hng vi cc Ngn hng khc
do mun cnh tranh tt i hi Ngn hng khng ngng nng cao nng sut lao ng, ci
tin k thut nghip v, hon thin h thng thanh tra, kim sot v i mi cng ngh Ngn
hng to iu kin phc v tt hn cho khch hng.
4.4.2. Nhn vin.
Nn kinh t Vit nam thc s ho mnh vo dng chy nn kinh t th trng, v vy
vn vn cho doanh nghip l ht sc quan trng trong vic m rng kinh doanh hay ni
cch khc v kh nng cnh tranh mang tnh cp thit, m nhu cu vn c p ng kp thi
chnh l vay ti cc Ngn hng, cng l l do hot ng Ngn hng trong nhng nm
gn y pht trin mnh hn.
H thng Ngn hng pht trin vi s lng ngy cng tng, vn cnh tranh gia
cc Ngn hng khng thua km cc doanh nghip sn xut, c th ng vng v ln mnh
i hi vn kinh doanh phi ln, i ng nhn vin c nng lc, sng to trong cng vic hn
hn cc Ngn hng khc thu ht khch hng. thc hin iu ny i hi:
+ o to v o to li trnh ca nhn vin Ngn hng.
+ Ngoi chuyn mn nghip v Ngn hng, cn b sung thm kin thc v cc
lnh vc kinh doanh khc phc v cng tc thm nh khch hng trc khi quyt nh cho
vay vn.
+ To c hi cho nhn vin tip xc, trao i kinh nghim vi cc ng nghip
trong v ngoi n v cng tc.
+ To c hi h pht huy ht kh nng tim n ca mnh.
+ Bn cnh cn nng cao nhn thc v o c ngh nghip cho nhn vin h
nhn thc nhiu hn na v iu ny v y chnh l bin php hu hiu nht thu ht khch
hng.
Trang 61
PHN KT LUN
I. Kt lun.
Lun vn c thc hin nhm gii quyt 4 nhim v ch yu sau:
+ Nu mt s c s l lun v hot ng tn dng, tm hiu v vn dng vo vic
phn tch lm r vn nghin cu.
+ Tm hiu hot ng kinh doanh ca Ngn hng Chu An Giang: v lch s,
lnh vc hat ng, kt qu hot ng kinh doanh trong 3 nm(2001, 2002, 2003) nghin
cu,
+ i su phn tch hiu qu tn dng Cng thng nghip v Tiu dng t pht
hin nhng u im ca hot ng tn dng ny, ra nhng gii php pht huy nng cao
hiu qu hot ng tn dng ng thi khc phc nhng mc yu km.
+ xut nhng gii php c th nhm nng cao hiu qu tn dng Cng thng
nghip v Tiu dng.
II. Kin ngh.
Hot ng Ngn hng ngy cng pht trin, s lng khch hng n giao dch ngy
cng tng. c bit l khch hng n vay tin ti Ngn hng vo thi im xung v rt ng
ngi kn c li i, cn m rng c s h tng hn na.
Cn xy dng cc qu tn dng ri rc cc huyn th c Nhn vin ph trch phn
tn s lng khch hng n giao dch.
To iu kin n nh ni n cho cc nhn vin trong Ngn hng nhm n nh cuc
sng gia nh h pht huy tinh thn lm vic nng ng ca h.
M cuc iu tra thm d kin khch hng v cch c x, thi phc v khch
hng ca nhn vin, v sn phm Ngn hng, h ng gp kin cho Ngn hng Ngn
hng rt kinh nghim nhm pht trin hn. Tuy nhin, cng vic ny c hiu cn c gii
thng cho khch hng no c kin ng gp hay mang li hiu qu cao hn cho Ngn hng
c nh th khch hng mi nhit tnh cho kin.*
Trang 62

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TRNG I HC AN GIANG

KHOA KINH T - QUN TR KINH DOANH

PHN TCH HIU QU TN DNG

GIO VIN HNG DN:

SINH VIN THC HIN:

3. Phng php nghin cu.............................................................................

4. Phm vi nghin cu... ....................................................................................

PHN II: NI DUNG ........................................................................................

1.1. Khi qut v tn dng........................................................................................

1.1.1. Khi nim ..................................................................................................

1.1.2. Cc hnh thc tn dng ............................................................................

1.1.3. Vai tr ca tn dng..................................................................................

1.1.4. Phng thc cho vay................................................................................

1.1.5. m bo tn dng .....................................................................................

1.1.5.1. Vai tr ca m bo tn dng ..........................................................

1.1.5.2. Cc hnh thc m bo tn dng .....................................................

1.1.5.2.2. m bo i nhn. ....................................................................

1.1.6.1. Khi nim...........................................................................................

1.1.6.2. Nhng thit hi do ri ro tn dng gy ra.......................................

1.1.6.3. Nguyn nhn dn n ri ro tn dng.............................................

1.2. Mt s ch tiu dng nh gi hiu qu tn dng.......................................

1.2.1. Doanh s cho vay .....................................................................................

1.2.2. Doanh s thu n .......................................................................................

1.2.3. D n cho vay...........................................................................................

1.2.5. T l d n trn vn huy ng................................................................

1.2.6. H s thu n..............................................................................................

Chng 2: Gii Thiu V Ngn Hng Chu Chi Nhnh An Giang........

2.1. Lch s hnh thnh v pht trin .....................................................................

2.1.1. Ngn hng Chu...................................................................................

2.1.2. Ngn hng Chu chi nhnh An Giang...............................................

2.2. B my qun l ca Ngn hng Chu chi nhnh An Giang........................

2.2.2. Chc nng cc phng ban.......................................................................

2.2.2.1. Phng hnh chnh nhn s...............................................................

2.2.2.2. Phng tn dng v thanh ton quc t. ...........................................

2.2.2.3. Phng giao dch ngn qu. ...............................................................

2.2.2.4. Phng k ton. ...................................................................................

2.3. Lnh vc kinh doanh v mt s vn lin quan n tn dng CTN v TD.

2.3.1. Lnh vc kinh doanh. ..............................................................................

2.3.2. Mt s vn lin quan n tn dng CTN v TD................................

2.4. nh gi chung v hat ng kinh doanh.......................................................

Chng 3: Phn Tch Hiu Qu Tn Dng Cng Thng nghip...............

3.1. nh gi tng ngun vn v vn huy ng......................................................

3.2. Phn tch hiu qu tn dng CTN v TD..........................................................

3.2.1. Phn tch doanh s cho vay CTN v TD.................................................

3.2.1.1 Theo thi hn tn dng. ......................................................................

3.2.1.2 Theo thnh phn kinh t ....................................................................

3.2.2. Phn tch doanh s thu n CTN v TD. .................................................

3.2.2.1 Theo thi hn tn dng. ......................................................................

3.2.2.2 Theo thnh phn kinh t. ...................................................................

3.2.3. Phn tch d n cho vay CTN v TD.....................................................

3.2.3.1 Theo thi hn tn dng. ......................................................................

3.2.3.2 Theo thnh phn kinh t. ...................................................................

3.2.4. Phn tch n qu hn cho vay CTN v TD.............................................

3.2.4.1. Theo thi hn tn dng.. ....................................................................

3.2.4.2. Theo thnh phn kinh t ...................................................................

3.2.5. Phn tch d n cho vay CTN v TD trn vn huy ng .....................

3.2.6. Phn tch h s thu n cho vay CTN v TD ...........................................

3.2.7. T l n qu hn cho vay CTN v TD. ...................................................

3.3. Thc trng chung v tn dng CTN v TD ti ACB An Giang ....................

4.1. nh hng m rng tn dng CTN v TD ti Ngn hng Chu An Giang. 55

4.3. Bin php nng cao hiu qu tn dng CTN v TD.........................................

4.3.1. S kt hp ca nhiu phng thc cho vay. ..........................................

4.3.2. Cho vay theo li sut tha thun.............................................................