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THNG 03 NM 2010

LI CM N
Qua thi gian thc tp ti ngn hng Cng Thng Vit Nam_chi nhnh Bnh
nh, em c s gip ca Ban lnh o v s hng dn tn tnh ch bo
cc anh ch phng khch hng c nhn c bit l s gip ca thy Phm V
nh to iu kin cho em lm bi bo co. Trong thi gian qua,em lm
quen vi mi trung lm vic, tip xc vi mi trng thc t da trn l thuyt
cn bn v tm hiu c tnh hnh hot ng cho vay tiu dng ti ngn hng
Cng Thng _chi nhnh Bnh nh . Do trnh cn t, gii hn v thi gian v
s liu, bi bo co ca em khng th trnh khi nhng thiu st. V vy em rt
mong s gp , nhn xt ca thy, cc anh ch cn b nhn vin ngn hng bi
vit c hon thin hn.

NHN XT CA N V THC TP
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MC LC

LI CM N...............................................................................................i
NHN XT CA N V THC TP....................................................i
MC LC.....................................................................................................i
PHN M U..........................................................................................ii
1. L do chn ti................................................................................................ii
2. Mc ch nghin cu...........................................................................................ii
3. Phng php nghin cu ..................................................................................iii
4. Phm vi nghin cu .........................................................................................iii
5. Kt cu ni dung................................................................................................iii

CHNG 1: C S L LUN CHUNG V TN DNG NGN

HNG..........................................................................................................iv
1. Nhng vn c bn v tn dng ngn hng.....................................................iv
2. Tng quan v hot ng cho vay tiu dng ca NHTM......................................vi

CHNG 2:THC TRNG HOT NG CHO VAY TIU DNG

NGN HNG CNG THUNG VIT NAM_CHI NHNH BNH
NH.........................................................................................................xiii
1. Khi qut v Ngn hng Cng Thng _chi nhnh Bnh nh............................xiii
2. Thc trng cho vay tiu dng ti NHCT_Chi nhnh Bnh nh. .........................xvi
2. nh gi hot ng cho vay tiu dng ti chi nhnh......................................xxix

CHNG 3: BIN PHP V KIN NGH I VI CHO VAY

TIU DNG TI NHCT_CHI NHNH BNH NH....................xxxiii
1. Bin php.....................................................................................................xxxiii
2. Kin ngh.....................................................................................................xxxiv

PHN KT LUN..............................................................................xxxvii
TI LIU THAM KHO.................................................................xxxviii

- i-

PHN M U
1. L do chn ti
Kinh t Vit Nam c nhng bc pht trin ng k trn mi lnh vc
ca i sng x hi. Hot ng u t, xy dng, thng mi, pht trin to
iu kin thun li cho tng vic lm, tng thu nhp, nng cao i sng vt cht v
tinh thn cho ngi dn. Trn thc t, thc y x hi pht trin th nhu cu ca
ngi dn cn c khng nh, l knh gin tip gp phn to mt x hi vi
nn kinh t pht trin. Nhng phn ln ngi tiu dng khng th chi tr cho tt c
nhu cu mua sm cng lc, c bit l nhng ti sn c gi tr ln. Thc t ny
pht sinh nhu cu vay tiu dng v cc ngn hng thng mi chnh l ni cung
cp dch v . Cho vay tiu dng ra i to iu kin gip ngi dn c th
tho mn nhu cu ca mnh trc khi c kh nng thanh ton, mang li nhiu li
ch cho x hi nh gp phn tng sc mua, tng tc lu chuyn hng ho trn
th trng,ng thi to ra ngun thu nhp ng k cho ngn hng.
Mc d cho vay tiu dng l sn phm tn dng xut hin t lu i trn th
gii v hin nay ang pht trin rt mnh, nht l cc nc ang c tim lc v
kinh t v cnh tranh ngn hng si ng, nhng n ch mi pht trin mt vi
nm gn y Vit Nam. Trong xu hng hi nhp quc t, cc ngn hng nc
ngoi, ngn hng lin doanh, ngn hng thng mi quc doanh, ngn hng
thng mi c phn,ang cnh tranh mnh m cc sn phm tn dng tiu dng,
thu ht khch hng c nhn. Nng ng nht chnh l cc NHTM c phn lin
tc a ra cc sn phm tin ch, nh: cho vay siu tc, ng k vay qua mng
Internet, li sut cho vay hp dn, k hn cho vay di, cho vay ti 70% gi tr ngi
nh hay xe t
Trong qu trnh thc tp ti phng khch hng c nhn ca Ngn hng Cng
Thng Vit Nam-Chi nhnh Bnh nh, em tm hiu vn ny v vit
thnh ti: Tnh hnh hot ng cho vay tiu dng ti Ngn hng Cng
thng Vit Nam - Chi nhnh Bnh nh.

2. Mc ch nghin cu
Tm hiu tnh hnh hot ng tn dng cho vay i vi ngn hng
Qui trnh cho vay tiu dng i vi ngn hng TMCP Cng Thng Vit
Nam chi nhnh Tnh Bnh nh
Trn c s thc trng hot ng cho vay ra nhng bin php nhm nng
cao hiu qu cho vay tiu dng
- ii-

3. Phng php nghin cu

Tm hiu cc vn bn ,cng vn ti ngn hng TMCP Cng Thng Vit Nam_chi
nhnh Bnh nh
Thng k, phn tch, quan st thc t v cc ti liu khc lin quan.

4. Phm vi nghin cu
Vic nghin cu c thc hin ti phng khch hng c nhn Ngn hng TMCP
Cng Thng _chi nhnh Bnh nh.

5. Kt cu ni dung
Chng 1:C s l lun chung v tn dng ngn hng.
Chng 2: Thc trng hot ng tn dng i vi cho vay tiu dng ngn hng
TMCP Cng Thng Vit Nam_chi nhnh Bnh nh.
Chng 3: Mt s gii php nng cao hiu qu hot ng cho vay tiu dng.

- iii-

CHNG 1: C S L LUN CHUNG V TN DNG

NGN HNG
1. Nhng vn c bn v tn dng ngn hng
1.1.

Khi nim v tn dng ngn hng

Tn dng ngn hng l quan h chuyn nhng quyn s dng vn t ngn hng
cho khch hng trong mt thi gian nht nh vi mt khon chi ph nht
nh.Cng nh quan h tn dng khc, tn dng ngn hng cha ng ba ni dung:
C s chuyn nhng quyn s dng vn t ngi s hu sang cho
ngi s dng

S chuyn nhng ny c thi hn

S chuyn nhng ny c chi ph

1.2.

Qu trnh ra i v pht trin ca tn dng ngn hng

Tn dng l mt phm tr ca nn kinh t hng ha, c qu trnh ra i v pht

trin cng vi s pht trin ca nn kinh t hng ha .
Lc u, cc quan h tn dng hu ht u l tn dng bng hin vt v mt phn
nh tn dng hin kim, tn ti di tn tn dng nng li, c s ca quan h tn
dng lc by gi l s pht trin bc u ca cc quan h hng ha tin t trong
iu kin ca nn sn xut hng ha km pht trin.
Cc quan h tn dng pht trin trong thi k chim hu n l v ch phong
kin , phn nh thc trng ca mt nn kinh t sn xut hng ha nh.
Ch n khi phng thc sn xut TBCN ra i, cc quan h tn dng mi c iu
kin d pht trin .Tn dng bng hin vt nhng ch cho tn dng bng hin
kim, tn dng nng li phi kinh t nhng ch cho cc loi tn dng khc u
vit hn nh tn dng ngn hng , tn dng chnh ph,
Tn dng c mt qu trnh tn ti v pht trin lu di qua nhiu hnh thi kinh t
x hi, tuy c nhiu hnh thc khc nhau,nhng u c tnh cht chung nh sau:
Tn dng trc ht ch l s chuyn giao quyn s dng mt s tin (
hin kim) hoc ti sn (hin vt) t ch th ny sang ch th khc, ch
khng lm thay i quyn s hu chng.

Tn dng bao gi cng c thi hn v phi c hon tr .

- iv-

 Gi tr ca tn dng khng nhng c bo tn m cn c nng

cao nh li tc tn dng.
1.3.

Bn cht, vai tr ca tn dng ngn hng

1.3.1.

Bn cht ca tn dng

Tn dng l quan h kinh t pht sinh gia ngi i vay v ngi cho vay, nh
quan h y m vn tin t c vn ng t ch th ny sang ch th khc s
dng cho nhu cu khc nhau trong nn kinh t x hi.
Tn dng c coi l mt s vn, lm bng hin vt hoc bng hin kim vn ng
theo nguyn tc hon tr, p ng cho cc nhu cu ca cc ch th tn dng.
1.3.2.

Vai tr ca tn dng

Trong qu trnh sn xut kinh doanh ca cc cng ty, x nghip th cn phi duy tr
s hot ng khng b gin on. Do , cc yu cu v ngun vn l mt trong
nhng mi quan tm hng u. Chnh v th, tn dng vi t cch l mt trong
nhng cng c tp trung vn v tn dng tt c cc ngun vn khc trong x
hi nhm cung ng vn cho cc cng ty, x nghip, t chc kinh t pht trin sn
xut kinh doanh.
Tn dng ra i gp phn thc y sn xut lu thng hng ha. Bi v, tn
dng l ngun cung ng vn cho cc doanh nghip t chc kinh t v l mt trong
nhng cng c tp trung vn mt cch hu hiu trong nn kinh t.
Mt khc, h thng giao dch ngy cng pht trin cho nn y l mt nhn t lm
gim lm pht, lm tin quan trng thc y sn xut v lu thng hng
ha. Tn dng c vai tr quan trng m rng v pht trin cc mi quan h kinh
t i ngoi, m rng giao lu quc t nhm gip v gii quyt v vn ca mi
nc gp phn lm cho quc gia c iu kin pht trin kinh t.
1.4.

Phn loi tn dng ngn hng

1.4.1.

Da vo mc ch ca tn dng:

- Cho vay phc v sn xut kinh doanh cng thng nghip.

- Cho vay tiu dng c nhn.
- Cho vay bt ng sn.
- Cho vay nng nghip.
- Cho vay kinh doanh xut nhp khu.

- v-

1.4.2.

Da vo thi hn tn dng:

- Cho vay ngn hn: L loi cho vay c thi hn n mt nm. Mc ch ca loi
cho vay ny thng l nhm ti tr cho vic u t vo ti sn lu ng.
- Cho vay trung hn: L loi cho vay c thi hn trn 1 nm n 5 nm. Mc ch
ca loi cho vay ny l nhm ti tr cho vic u t vo ti sn c nh.
- Cho vay di hn : L loi cho vay c thi hn trn 5 nm. Mc ch ca loi cho
vay ny thng l nhm ti tr u t vo cc d n u t.
1.4.3.

Da vo mc tn nhim ca khch hng :

- Cho vay khng c bo m : L loi cho vay khng c ti sn th chp, cm c

hoc bo lnh ca ngi khc m ch da vo uy tn ca bn thn khch hng vay
vn quyt nh cho vay.
- Cho vay c bo m: L loi cho vay da trn c s c bo m cho tin vay nh
th chp, cm c, hoc bo lnh ca bn th ba no khc.
1.4.4.

Da vo phng thc cho vay:

- Cho vay tng ln (theo mn).

- Cho vay theo hn mc tn dng.
1.4.5.

Da vo phng thc hon tr n vay

- Cho vay ch c mt k hn tr n hay cn gi l cho vay tr n mt ln khi o

hn.
- Cho vay c nhiu k hn tr n hay cn gi l cho vay tr gp.
- Cho vay tr n nhiu ln nhng khng c k hn n c th m ty kh nng ti
chnh ca mnh ngi i vay c th tr n bt k lc no.

2. Tng quan v hot ng cho vay tiu dng ca NHTM

1.1.

Khi nim cho vay tiu dng

Cho vay tiu dng l vic Ngn hng cho vay giao cho khch hng mt khon tin
theo tha thun vi nguyn tc c hon tr gc v li trong mt thi gian nht nh
s dng cho mc ch tiu dng, sinh hot v cc nhu cu phc v i sng
khc.

- vi-

1.2.

c im cho vay tiu dng

1.2.1.

V quy m

Do cho vay tiu dng l khon cho vay cp cho cc c nhn, h gia nh khng
phi s dng cho mc ch kinh doanh nn n thng l cc khon vay c gi tr
khng ln thm ch cn rt nh. Gi tr ny c xc nh trn c s gi c hng
ha, dch v m khch hng ang c nhu cu tiu dng trong khi gi tr nhng th
ny thng khng qu ln. Hn na, phn ln khch hng vay tiu dng u c
s tch ly t trc, ngn hng ch l ngi h tr cho vic mua sn phm c d
dng hn khi tch ly l cha v th quy m i vi mi khon vay thng l
nh.
1.2.2.

V li sut

Cc khon cho vay tiu dng c li sut cao hn cc khon cho vay i vi doanh
nghip. Li sut cho vay tiu dng thng l tha thun.
Ngi tiu dng thng quan tm n khon tin h phi tr hng thng hn l li
sut ca khon vay. Bn cnh mc thu nhp v trnh dn tr cng tc ng
rt ln n vic s dng cc khon cho vay tiu dng. Nhng ngi c thu nhp
cao c xu hng vay nhiu hn so vi thu nhp hng nm m mnh c c.
Nhng gia nh m ngi ch gia nh hay ngi to thu nhp chnh c trnh ,
c hc vn cao th vic vay mn l mt cng c t c mc sng nh mong
mun.
1.2.3.

V ri ro

Cc khon cho vay tiu dng c chi ph ln nht v c ri ro cao nht trong
danh mc cc khon cho vay ca ngn hng thng mi.
Li sut cho vay tiu dng l c nh v c xc nh da trn li sut c bn
cng vi mc li sut cn bin v phn b ri ro. Nu li sut trn th trng vn
tng m li sut ca cc khon cho vay tiu dng l c nh v cng nhc s khin
cho ngn hng phi b p mc li sut huy ng vn m khng c thay i li
sut cho vay tiu dng. l ri ro v li sut.
Bn cnh l ri ro v tn dng. Ngun ti chnh chi tr cho khon vay tiu
dng khng phi da vo li nhun hay bt ngun t khon vay em li m n
ph thuc vo mt ngun khc c lp hon ton vi ngun vay, chnh l thu
nhp ca ngi vay mang li. iu s mang li nhng ri ro mang tnh khch
quan v ch quan nh: tnh hnh kinh t v m bt n, thin tai, tnh trng tht
nghip gia tng, tnh trng sc khe, cng vic, o c ca ngi vay.
- vii-

Qun l sau cho vay cng l mt vn ln m ngn hng gp phi do quy m

mn vay nh nhng s lng cc mn vay li ln v th vic kim sot v tnh
hnh thu nhp v kh nng ti chnh ca tng khch hng i vi tt c cc mn
vay khng phi l iu d dng. N ph thuc rt ln vo o c ca ngi vay.
1.2.4.

V li nhun:

Do cho vay tiu dng lun tim n ri ro mc cao v th li nhun k vng mang
li t ngun cho vay tiu dng cng ln.
1.3.

Vai tr cho vay tiu dng

Mt hnh thc cho vay mun tn ti v pht trin trong hot ng ca ngn hng
th bn thn n phi em li nhng li ch thit thc cho nhng ngi to ra v
s dng n. Hnh thc cho vay tiu dng xut hin t lu v cho n nay hot
ng ca n vn khng ngng c cc ngn hng quan tm pht trin, khch
hng s dng, chnh ph cc nc ng tnh ng h.
1.3.1.

i vi ngn hng

Ngoi hai nhc im chnh l ri ro v chi ph cao, cho vay tiu dng c nhng
li ch quan trng nh:
- Cho vay tiu dng gip tng kh nng cnh tranh ca ngn hng vi cc ngn
hng v cc t chc tn dng khc, thu ht c i tng khch hng mi, t
m m rng quan h vi khch hng. Bng cch nng cao v m rng mng li,
a dng ho sn phm, nng cao cht lng dch v cho vay tiu dng, s lng
khch hng n vi ngn hng s ngy cng nhiu hn v hnh nh ca ngn hng
s cng p hn trong con mt khch hng. Trong ngh ca cng chng, ngn
hng khng ch l t chc ch bit quan tm n cc cng ty v doanh nghip m
ngn hng cn rt quan tm ti nhng nhu cu nh b, cn thit ca ngi tiu
dng, p ng nguyn vng ci thin i sng ca ngi tiu dng. T m uy
tn ca ngn hng ngy cng c nng cao hn.
- Cho vay tiu dng cng l mt cng c marketing rt hiu qu, nhiu ngi s
bit ti ngn hng hn. T m ngn hng cng s huy ng c nhiu ngun
tin gi ca dn c.
- Cho vay tiu dng to iu kin m rng v a dng ho kinh doanh t m
nng cao thu nhp v phn tn ri ro cho ngn hng.
1.3.2.

i vi ngi tiu dng

Nh cho vay tiu dng h c hng cc tin ch trc khi tch ly tin v
c bit quan trng hn n rt cn thit cho nhng trng hp khi cc nhn c cc
- viii-

chi tiu c tnh cp bch, nhu nh cu chi tiu cho gio dc v y t. Tuy vy, nu
lm dng vic i vay tiu dng th cng rt tai hi v n c th lm cho ngi i
vay chi tiu vt qu mc cho php, lm gim kh nng tit kim hoc chi tiu
trong tng lai, cn rt nghim trng hn nu mt kh nng chi tr th ngi ny
c th gp rt nhiu phin toi trong cuc sng.
1.3.3.

i vi nn kinh t

Cho vay tiu dng gp phn khi thng lung chuyn dch hng ho. Qu trnh sn
xut v lu thng hng ho nu nh khng c tiu dng th tt yu s b tc nghn,
hng ho khng tiu th c dn ti doanh nghip b ng vn v ng nhin
qu trnh sn xut khng th tip tc. Vai tr ca ngn hng lc ny tr nn quan
trng hn bao gi ht. Ngn hng cho ngi tiu dng vay vn to ra kh nng
thanh ton cho h trc khi h tch lu s tin cn thit. Khch hng c tin s
tm n doanh nghip mua hng v doanh nghip tiu th c hng ho, sau
mi c kh nng thanh ton n cho ngn hng. Khi tiu th c hng ho,
doanh nghip s m rng sn xut v s tm ti ngn hng tip tc vay vn.
Nh vy, ngn hng cho vay tiu dng s c li cho c ba bn: ngi tiu dng,
doanh nghip v ngn hng hay chnh l c li cho c nn kinh t. Tm li, cho
vay tiu dng c dng ti tr cho chi tiu v hng ho v dch v trong nc
th n c tc dng rt tt cho vic kch cu, to iu kin thc y tng trng
kinh t. Song, nu cc khon cho vay tiu dng khng c dng nh vy th
chng nhng khng kch c cu m nhiu khi cn lm gim kh nng tit kim
trong nc.
1.4.

Phng thc cho vay tiu dng

1.4.1.

Cn c vo mc ch vay:

C th phn loi tn dng tiu dng thnh 2 loi:

- Cho vay tiu dng c tr (residential morage loan) l cc khon cho vay nhm
phc v cho nhu cu xy dng, mua sm hay ci to nh ca cc c nhn, h gia
nh.
- Cho vay tiu dng khng c tr (nonresidential morage loan) l cc
khon cho vay phc v nhu cu ci thin i sng nh mua sm phng tin,
dng, du lch, hc hnh hoc gii tr
1.4.2.

Cn c vo ngun gc ca cc khon n

C th chia cho vay tiu dng thnh 2 loi:

- ix-

- Cho vay gin tip l hnh thc cho vay trong ngn hng mua cc khon
n pht sinh ca cc doanh nghip bn chu hng ho hoc cung cp cc dch
v cho ngi tiu dng, hnh thc ny ngn hng cho vay thng qua cc doanh
nghip bn hng hoc lm cc dch v m khng trc tip tip xc vi khch hng.
- Cho vay tiu dng trc tip (Direct consumer loan) l ngn hng v khch
hng trc tip gp nhau tin hnh cho vay hoc thu n.
Hnh thc cho vay tiu dng trc tip linh hot hn hnh thc cho vay gin
tip, v khi quan h trc tip gia ngn hng vi khch hng s x l tt cc pht
sinh, hn na c kh nng lm tho mn quyn li cho c ngn hng v khch
hng.
1.4.3.

Cn c vo phng thc hon tr:

Cho vay tiu dng tr gp:

L hnh thc cho vay m theo ngn hng cho php khch hng tr gc
lm nhiu ln trong thi hn tn dng nht nh tha thun. Cho vay tr gp
thng c p dng i vi cc khon vay trung v di hn, ti tr cho ti sn c
nh, c gi tr tng i ln nh : cho vay mua t, mua nhv p dng cho
nhng ngi c thu nhp trong mt k khng hon tr ton b s vay. S
tin tr mi k thng c tnh ton sao cho ph hp vi kh nng tr n ca
khch hng. Ngn hng thng cho vay tr gp i vi ngi tiu dng qua hn
mc nht nh. Ngn hng s thanh ton ngay cho ngi bn l v s hng ha m
cc khch hng mua tr gp. Cc ca hng bn l nhn ngay tin sau khi bn
hng t pha ngn hng v lm i l thu tin cho cho ngn hng hoc khch hng
tr trc tip cho ngn hng. y l hnh thc tn dng ti tr cho ngi mua thng
qua khuyn khch tiu th hng ha. Hnh thc ny em li nhiu thun li cho
ngi vay hn i vi vic cho vay m thu hi li v gc trong mt ln v v th
thng th cc khon cho vay tr gp chim t trng cao hn trong cho vay tiu
dng.
Cho vay tr gp c ri ro cao do khch hng thng th chp bng hng ha
mua tr gp. Kh nng tr n ph thuc vo thu nhp u n ca ngi vay, v
ri ro xy ra nu ngi vay mt vic, m au, thu nhp gim stChnh v th
thng th li sut cho vay tr gp l cao nht trong khung li sut cho vay ca
ngn hng..
Cho vay tiu dng phi tr gp:

- x-

L hnh thc cho vay m tin vay c khch hng thanh ton cho ngn
hng ch mt ln khi n hn phi tr. Cho vay tiu dng phi tr gp thng c
cp cho cc khon vay c gi tr nh v vi thi hn khng di. Phn ln th cc
khon vay ny thng c dng chi tr cho cc chuyn i ngh, tin nm vin
hay mua cc vt dng gia nh hoc sa cha t, nh .
Cho vay tiu dng tun hon
L hnh thc cho vay m ngn hng cho php khch hng s dng th tn
dng hoc pht hnh cc loi sec thu chi da trn ti khon vng lai thanh ton
tin hng ha dch v. Trong thi gian tn dng c tha thun trc, cn c
vo nhu cu chi tiu v thu nhp kim c tng k ca khch hng, khch hng
c ngn hng cho php vay v tr n mt cch tun hon. Do nhng khon vay
ny khng c m bo, ng thi chi ph iu hnh tn dng tun hon tng
i cao nh: chi ph d tr qu, chi ph x l th tn dng bao gm kim tra tn
dng la o v nhng mt mt trong thu ngn nn li sut i vi tn dng tun
hon l tng i cao. Hnh thc ny tng i thun tin cho cc khch hng c
nhu cu vay thng xuyn, khch hng ch cn lm th tc mt ln cho nhiu ln
vay.
1.4.4.

Cn c vo phng thc bo m tin vay:

Cho vay th chp

L hnh thc ngn hng cho khch hng vay nhm mc ch tiu dng
nhng ngn hng gi ti sn ca khch hng m bo vic thc hin cc ngha
v ca khch hng. Danh mc cc ti sn v iu kin cc ti sn c cm c
cng c ngn hng quy nh c th da trn c s quy nh ca php lut v
chnh sch tn dng ca ngn hng.
Cho vay tn chp

Thng p dng cho khch hng c vic lm v thu nhp n nh, ngoi
vic chi cho cc khon chi tiu thng xuyn hng thng th cn tch ly tr
n vay. S tin vay s cn c vo nhu cu, thu nhp thng xuyn ca khch hng,
gii hn cho vay ca ngn hng.
Cho vay c ti sn m bo hnh thnh t tin vay

L hnh thc cho vay tiu dng p dng i vi khch hng c nhu cu vay
mua cc ti sn c gi tr ln v thi gian s dng lu di. Ty thuc vo kh
nng ti chnh v kh nng tr n ca khch hng, gi tr ti sn mua sm v mc
- xi-

cho vay ti a trn gi tr ti sn mua sm m t ngn hng s c mc vay thch

hp cho tng i tng khch hng.

- xii-

CHNG 2:THC TRNG HOT NG CHO VAY TIU

DNG NGN HNG CNG THUNG VIT NAM_CHI
NHNH BNH NH
1. Khi qut v Ngn hng Cng Thng _chi nhnh Bnh nh
1.1.

Qu trnh hnh thnh v pht trin

Ngn hng Cng Thng Vit Nam (Vietinbank) c thnh lp ti Ngh nh

53/HBT ngy 26/3/1988 ca Hi ng B trng, vo thi k u ca tin trnh
i mi kinh t do i hi VI ca ng Cng Sn Vit Nam khi xng, nh
du mt thi k pht trin mi ca ngnh Ngn hng Vit Nam.
Qu trnh xy dng, pht trin n nay, Ngn hng Cng Thng Vit Nam
vt qua rt nhiu kh khn th thch, lun tin phong trong c ch th trng,
khng ngng phn u vn ln, khng nh c v tr l mt ngn hng thng
mi ln, ch lc, hng u Vit Nam, gp phn thc thi c hiu qu chnh sch
tin t quc gia, thc y tng trung kinh t thi k i mi, phc v c lc v
nng cao nng lc sn xut kinh doanh, kh nng cnh tranh ca cc doanh nghip,
tng xut khu, chuyn dch c cu kinh t theo hng tch cc, thc hin cng
nghip ho, hin i ho t nc.
Hin nay, Vietinbank c h thng mng li tri rng ton quc t
Bc-Trung-Nam. V chi nhnh Bnh nh l mt trong s h thng hot
ng ca ngn hng Cng Thung. Qu trnh hnh thnh v pht trin
Ngn hng Cng Thng ti chi nhnh Bnh nh gn lin vi s i mi
ca h thng ngn hng Vit Nam mang li nhng hiu qu kinh t cho hot
ng ngn hng v nhng thnh cng trong cng cuc pht trin kinh t ti
Tnh Bnh nh.
Ngn hng Cng Thng Vit Nam_Chi nhnh Bnh nh c thnh lp
vo thng 07/1988 .Hi s chnh t ti 257 L Hng Phong, thnh ph Qui

Nhn vi cc hot ng dch v chnh :

- Nhn tin gi c k hn v khng k hn bng tin Vit Nam v ngoi t ca

cc t chc kinh t v dn c.
- Nhn tin gi tit kim vi nhiu hnh thc phong ph v hp dn: tit kim
khng k hn, c k hn

- xiii-

- Dch v chi tr kiu hi cho mi i tng nc ngoi gi tin v cho thn

nhn.

- u t cho vay mi thnh phn kinh t.

- Pht hnh v thanh tan th, dch v th ATM, th tin mt(Cash card).
- Cc dch v khc.
1.2.

C cu b my, s t chc
1.2.1.

C cu b my

Tnh n nay chi nhnh c khong 81 cn b cng nhn vin ang lm vic ti
ngn hng. Trong , Ban lnh o gm mt gim c, hai ph gim c v cc
nhn vin c phn u cc phng ban. Mi c cu phng khong 5-7 ngi.
Hin nay chi nhnh c 2 phng giao dch loi 1, v 6 phng giao dch loi 2 nm
trn a bn thnh ph Quy Nhn. Chi nhnh c 53 ngi c bng i hc, cao
ng, thc s chim 65,43% trn tng s cn b cng nhn vin ton chi nhnh.
tng bc tip cn cc chng trnh mi ph hp vi tnh hnh hin nay, trong
nm chi nhnh c 60 lt cn b i hc cc lp ngn hn nhm tip thu kin
thc mi, nng cao k nng nghip v.
1.2.2.

S t chc
GIM C

P.GIM C

Kim
sot
ni
b

Khch
hng
c
nhn

P.GIM C

Khch

hng

chc

doanh
nghip

hnh
chnh

- xiv-

Qun
l ri
ro-n
c
vn

Tin

Ton

t kho
qu

thng
tin
in
ton

1.3.

Tnh hnh hot ng trong nhng nm va qua

Hot ng Ngn hng Cng Thng_chi nhnh Bnh nh trong nhiu nm

qua lun t ch tiu do NHCT ra gp phn thc y hot ng kinh doanh cho
Ngn hng ng thi to iu kin pht trin nn kinhh t ti Tnh Bnh nh. n
nay, h thng ngn hng Cng Thng_chi nhnh Bnh nh pht huy hiu qu
rt ln trong cng tc xy dng hnh nh Ngn hng chuyn nghip cho
Vietinbank.Thng hiu mnh gp phn trong vic to uy tn vi khch hng,
m rng th phn nng cao hiu qu hot ng cho ngn hng.C th qua bng s
liu sau:
Bng 1: Bo co kt qu hot ng kinh doanh nm 2007-2009
NHCTVN_Chi nhnh Bnh nh.
n v: triu ng
Stt Cc ch tiu
1 Tng s vn huy ng
Tin gi cc t chc kinh t
Tin gi dn c v huy ng
khc
2 Tng d n
N ngn hn
N trung di hn
N nhm 2
N xu( nhm 3,4,5)
3 Tng thu nhp
Thu nhp t hot ng tn dng
Thu nhp t dch v Ngn hng
4 Tng chi ph
5 Li nhun sau trch DPRR

Nm 2007
368.990
132.524

Nm 2008
399.830
104.149

Nm 2009
463.759
133.338

236.466
719.154
599.548
121.089
1.437
7.352
89.208
84.023
5.185
74.914
14.294

295.681
754.778
604.735
150.356
1.250
2.071
127.589
121.161
6.428
121.218
6.371

330.421
1.088.608
858.820
229.788
0
290
109.341
100.672
8.669
93.478
15.863

(Ngun Phng K ton NHCT-Chi nhnh Bnh nh )

Qua s liu tng hp t bng 1, cho thy li nhun sau khi trch d phng
ri ro nm 2009 tng. Li nhun nm 2008 gim so vi nm 2007 l 7.977 triu
ng tng ng t l gim 55,4%. Mc d tng thu nhp nm 2008 so vi nm
2007 tng 38.381triu ng nhng do chi ph nm 2008 cao hn so vi 2007 n
46.304 triu ng tng 61,8%. Nguyn nhn ca vic tng chi ph l do vic tr li
nhn vn Trung ng v tr li huy ng vn cao hn so vi nm 2007. ng
thi phi chi tr vic mua thit b cng ngh, mua sm ti sn, m rng mng li
hot ng phc v cho vic pht trin kinh doanh nhm phc v tt hn nhu cu
- xv-

ca khch hng, nng cao v th cnh tranh cho Vietinbank. n nm 2009 th li

nhun t 15.863 triu ng tng gp 2,4 ln so vi nm 2008 do chi ph nm
2009 thp hn so vi 2008 gim 24.748 triu ng tng ng t l gim 22,88%.
Tng ngun vn huy ng qua cc nm tng dn. C th, ngun vn huy
ng nm 2008 t 399.830 triu ng tng 30.840 triu ng so vi nm 2007
tng ng 8,36%. Trong , tin gi cc t chc kinh t chim 26,04% v 73.96%
l t tin gi dn c v huy ng khc so vi s vn huy ng nm 2008.Tip tc,
ngun vn huy ng nm 2009 so vi nm 2008 tng 63.929 triu ng tng ng
tng 15,59 %. Trong , tin gi t chc kinh t chim 28,75% v tin gi dn c
v huy ng khc l 71,25% so vi vn huy ng nm 2009. Qua , ta thy c
tnh hnh huy ng vn cng ngy cng c m rng l do Ban lnh o ngn
hng thnh lp t huy ng vn vi nhim v phn tch th trng ngun vn
ti a phng, ra cc gii php pht trin sn phm, chng trnh khuyn mi
thu ht khch hng v thng xuyn theo di li sut bin ng trn th trng.
Tnh hnh d n tnh n ngy 31/12/2009 t 1.088.608 triu ng vt
ch tiu k hoch l 72.000 triu ng (k hoch 1.016.608 triu ng) v tng
44% so vi nm 2008.Trong , n ngn hn chim t trng cao hn so vi n
trung di hn.Bn cnh vic cho vay th cng tc qun l n vn thng xuyn
theo di khch hng, hn ch ri ro cho Ngn hng. Kt qu ca vic qun l cht
ch mng li hiu qu cho nm 2009. N nhm 2 gim cn 0% trong khi
n n xu vn cha c khc phc trit . Nhng phn ln gim nhiu so vi
nm 2008 tng ng vi t l gim 85,5%. Do nh hng ca nn kinh t th
trng khin cho cc doanh nghip cha c kh nng tr n v do nh hng ca
a bn Tnh thuc vng hay b thin tai nn vic n xu khng th no trnh khi.
Chi nhnh cng thc hin ng ch tn dng, phn loi n v trch d phng
ri ro hn ch n xu. n nay, Ngn hng Cng Thng Vit Nam _chi nhnh
Bnh nh vn ang trn phn u pht trin hot ng mang li li nhun cho
ngn hng.

2. Thc trng cho vay tiu dng ti NHCT_Chi nhnh Bnh nh.
1.1.

Chc nng, nhim v ca phng khch hng c nhn

C cu t chc phng
- Ph phng khch hng c nhn
-

Cn b tn dng

Cn b thm nh
- xvi-

 Chc nng
L phng nghip v trc tip giao dch vi khch hng c nhn, khai thc
vn bng VND v ngoi t, thc hin cc nghip v lin quan n tn dng, qun
l cc sn phm tn dng ph hp vi ch , th l hin hnh v hng dn ca
NHCT VN. Trc tip qung co, tip th, gii thiu v bn cc sn phm dch v
ngn hng cho cc khch hng c nhn.
Nhim v
- Khai thc ngun vn bng VND v ngoi t khch hng l cc c nhn theo
qui nh ca Ngn hng Nh nc v NHCT VN.
- Thc hin tip th, h tr, chm sc khch hng, t vn cho khch hng v
cc sn phm dch v ca NHCT VN nh tn dng, u t, chuyn tin, th
- Thm nh, xc nh, qun l cc gii hn tn dng cho cc khch hng c
nhu cu giao dch v tn dng v ti tr thng mi.
-

Qun l cc khon tn dng c cp

Nhn v x l, xt duyt cp tn dng cho khch hng c nhn

Cung cp ti liu cho phng qun l ri ro

Lu tr h s v lm bo co theo qui nh hin hnh

- Tham gia cuc hp vi Gim c, xut v phn nh kp thi nhng vn

ny sinh.
1.2.

Nhng qui nh chung cho vay tiu dng

1.2.1.

Nguyn tc cho vay

- S dng vn vay ng mc ch tha thun trong hp ng tn dng.

- Hon tr n gc, li tin vay v cc loi ph (nu c) y , ng thi hn
tha thun trong hp ng tn dng.
- Mang li li ch hp l cho NHCT v p ng cc quy nh ca php lut
v NHNN lin quan n hot ng cho vay.
1.2.2.

iu kin cho vay

- C nng lc php lut dn s, nng lc hnh vi dn s.

- xvii-

- C mc ch vay vn hp php.
- C kh nng ti chnh m bo tr n trong thi hn cam kt.
- C h khu thuc Tnh Bnh nh.
1.2.3.
-

Li sut v thi hn cho vay

Li sut p dng: 1,35% /thng tng ng 16,2%/nm.

- Thi hn cho vay: Ty theo kh nng tr n ca khch hng m xc nh

thi hn cho vay nhng ti a l 5 nm tr cc trng hp sau :
+ Cho vay xy dng nh : ti a l 10 nm
+ Cho vay mua nh chung c, hoc nhn chuyn quyn s dng t, tr
tin s dng t : ti a l 15 nm
+ Cho vay nhn chuyn nhng quyn s dng t v xy nh (c quyn
s dng t) : ti a 20 nm
1.2.4.

H s vay

- Giy nhn n; bin bn nh gi ti sn th chp (3 bn).

- Bn hp ng th chp (4 bn); hp ng y quyn.
- Hp ng tn dng, n yu cu ng k th chp
- Giy ngh xin vay vn- kim phng n tr n vay; t trnh thm nh

(2 bn).
n yu cu cp tn dng; bng chm im khch hng c nhn; bng
thng bo cp gii hn tn dng; t trnh thm nh cp tn dng (1 bn).
-

- Giy t chng minh php nhn nh quyn s hu t (ti sn th chp), h

khu nh; chng minh nhn dn.
- V cc giy t khc theo yu cu ca Ngn hng.

1.3.

Sn phm cho vay hin c

1.3.1.

Cho vay ph du hc:

-To iu kin cho vic du hc nc ngoi gm hc ph, sinh hot ph v

cc ph ca kha hc t chc.

- xviii-

- Vi mc cho vay ti a 70% chi ph du hc; 100% nhu cu chng minh ti

chnh.
- Thi hn cho vay m bo ti sn ti a bng thi gian ca kho hc cng
thm 3nm.
- Thi hn cho vay chng minh ti chnh ph hp vi thi gian ngh
chng minh ti chnh ca khch hng v bng thi hn gi ca ti khon tin gi
c k hn, th tit kim, giy t c gi c hnh thnh t vn vay ca NHCV; v
ti a bng thi gian cn li ca kha hc.
- Li sut cho vay chng minh ti chnh bng li sut ghi trn ti khon tin
gi c k hn th tit kim cng vi ph chng minh ti chnh.
- Th tc, h s cho vay linh hot theo qui nh ca ngn hng.
1.3.2.

Cho vay i vi cn b cng nhn vin

- y l hnh thc cho vay i vi ti sn khng c m bo.

- Khch hng cho vay khng uc vt qu 59 tui (i vi nam) v 54 tui
(i vi n) ti thi im tr n cui cng.
- Thi hn cho vay khng qu thi hn lm vic hay lao ng cn li trn
hp ng lao ng tr hp ng lm vic hay hp ng lao ng khng xc nh
thi hn.
- Phi c bn lng trong 3 thng lin tc v xc nhn m bo ca c quan
n v khch hng ang lm vic.
- Mc thu nhp ca khch hng ti thiu phi l 2.500.000 ng/ thng.
- Mc vay i a bng 12 thng lng.
- Mua bo him tn dng kt hp vi con ngi.
1.3.3.

Cho vay sa cha, xy dng nh

- Nhm phc v nhu cu sa cha, xy dng nh ca khch hng.

- Phi c giy php ng k xy dng.
- C ti sn m bo thng l th chp nh.
- Gi tr cho vay 70% tng nhu cu vn.

- xix-

1.3.4.

Cho vay mua t

- Gi tr cho vay 50% i vi xe c v 70% i vi xe mi.

- Thi hn cho vay ti a l 5 nm.
- C ti sn m bo hay ti sn th chp chnh l gi tr chic xe mi.
1.4.

Tm hiu quy trnh cho vay tiu dng

Quy trnh cho vay v qun l tn dng c son tho vi mc ch gip cho qu
trnh cho vay c din ra thng nht, khoa hc, nhm hn ch, phng nga ri ro
v nng cao cht lng tn dng, gp phn p ng ngy mt tt hn nhu cu vay
vn ca khch hng c nhn. Quy trnh ny cng xc nh ngi c thc hin
cng vic v trch nhim ca cc cn b lin quan trong qu trnh cho vay. Sau
y l m phng qu trnh cho vay tiu dng trong qu trnh thc tp ti ngn hng
chi nhnh Bnh nh.
Bc 1: Tip nhn v hng dn khch hng v lp h s vay vn:
1.4.1.

Hng dn khch hng lp h s:

i vi khch hng mi:

- Tm hiu thng tin khch hng nh nng lc hnh vi dn s, mc ch s
dng vn vay, nhu cu vay vn ca khch hng
- Kh nng ca khch hng trong vic chi tr n gc v li
- Khch hng chp nhn cc iu kin chi ph v li sut do ngn hng Cng
Thng Vit Nam qui nh .
- Hng dn cc th tc lm h s, giy t cn thit
i vi khch hng c
- Khch hng o hn c nhu cu vay vn tip. Cn b tn dng kim tra li
mc ch s dng vay vn v hng dn khch hng lm th tc theo nhng qui
nh mi( nu c) ca Ngn hng.
1.4.2.

i chiu v tip nhn h s:

- Cn b tn dng lm u mi tip nhn h s; kim tra tnh y ca

nhng giy t cn thit nh quyn s dng t, chng minh nhn dn...

- xx-

- Sau khi kim tra nu h s ca khch hng y , cn b tn dng bo

co trng phng tn dng (hoc ngi c y quyn) v tip tc tin hnh cc
bc trong quy trnh. Nu h s ca khch hng cha y , cn b tn dng yu
cu khch hng hon thin tip h s.
Bc 2: Thm nh cc iu kin vay vn:
1.4.3.

Kim tra h s v mc ch vay vn:

Cn b tn dng kim tra tnh y , xc thc, hp php v hp l ca h

s vay vn qua c quan pht hnh ra chng hoc qua cc knh thng tin.
- Kim tra h s khch hng
- Kim tra h s vay vn v h s bo m tin vay
- Kim tra mc ch vay vn:

Kim tra xem mc ch vay vn ca khch hng c ph hp mc

ch s dng khng.

Kim tra tnh hp php ca mc ch vay vn

i vi nhng khon vn bng ngoi t, kim tra mc ch vay vn

m bo ph hp vi quy nh qun l ngoi hi hin hnh v i tng u tin
vay vn bng ngoi t.
1.4.4.

Xc nhn thng tin ca khch hng

Cn b tn dng phi i thc t ti gia nh v ni sn xut kinh doanh ca

khch hng tm hiu thm thng tin v:
- Gia nh ca khch hng vay vn, mc ch vay vn ca khch hng.
Nhng ngun thu nhp thng xuyn, thu nhp khc ca khch hng,
nhng thnh vin trong gia nh.
-

- Tnh hnh hot ng, cng vic ca khch hng, nh gi ti sn m bo

n vay (nu c) v ca ngi bo lnh ( nu c).
- Tnh hnh quan h vi a phng.
1.4.5.

Kim tra, phn tch, thm nh khch hng vay vn

- Kim tra h s trc y ca khch hng uc lu li ti ngn hng

- xxi-

- Kim tra uy tn ca khch hng trc y c tr n ng hn khng

- Kim tra s d khch hng trn h thng phn mm BDS ca Ngn hng
- Phn tch tnh hnh hot ng v kh nng ti chnh. Nng lc iu hnh
qun l, nng lc qun l sn xut kinh doanh, b tr lao ng.
- Phn tch nh gi tnh hnh quan h vi cc t chc tn dng.
Bc 3: Xc nh phng thc cho vay
Vic la chn phng thc cho vay phi ph hp vi mi loi hnh sn
phm cho vay tiu dng.
i vi cho vay tiu dng, Ngn hng Cng Thng_chi nhnh Bnh nh
p dng cho vay theo phng thc cho vay tng ln.
Cch tr n gc uc chia u hng thng i vi trung v di hn, hay
c tr theo k ca khch hng i vi ngn hn. Li c gim dn theo s d
n.
S tin pht chm tr li = S d chm tr* 150% * li sut thi hn * thi
hn qu hn tr li.
V d: ng Nguyn Vn An vay ngn hng tr gi 50.000.000 triu ng
vo ngy 1/8/2009 vi thi hn 3 thng, li sut 1.35%/thng. Ton b s n c
chia lm 3 k hn:
K th nht vo ngy 1/9 l 10 triu ng
K th hai vo ngy 1/10 l 20 triu ng
K hn th ba vo ngy 1/11 l 20 triu ng
Nu khon vay ni trn c hon tr ng hn theo quy nh th tin li s c
tnh nh sau:
K I ( 1/8- 31/8) = 50.000.000*31(ngy)*1.35%/30=697.500
K II (1/9-30/9)

=40.000.000 *30(ngy)*1.35%/30=540.000

K III(1/10-31/10) =20.000.000*31(ngy)*1.35%/30=279.000
Nh vy c gc v li k I =10.000.000+ 697.500=10.697.500
K II= 20.000.000+540.000=20.540.000
- xxii-

K III=20.000.000+279.000=20.279.000
Bc 4: Lp t trnh thm nh cho vay
Trn c s kt qu thm nh theo cc ni dung trn, cn b tn dng phi
lp t trnh thm nh(TTT). TTT phi nu c th nhng kt qu ca qu trnh,
nh gi phng n u t xin vay vn ca khch hng cng nh cc kin
xut i vi cc ngh ca khch hng.
Bc 5: Ti thm nh cc khon cho vay
- Ngn hng Cng Thng Vit Nam quy nh gi tr tin vay bt buc phi
c ti thm nh theo tng thi k. Tuy nhin, i vi nhng khon xin vay
di mc quy nh ca Tng gim c nhng c tnh cht phc tp, gim c
hoc ngi c y quyn c th quyt nh tin hnh ti thm nh khon xin
vay.
- T ti thm nh c trch nhim thm nh li ton b h s vay vn, t
trnh thm nh v vic cho vay, khng cho vay trnh gim c.
- Mi s khc bit gia kt qu thm nh v ti thm nh c th dn n
cc kt lun khc nhau v khch hng v cc khon vay u phi trnh ln Gim
c.
- Thi hn ti thm nh khng nm trong thi hn quy nh cho thm nh
gc v khng qu 03 ngy i vi mn vay ngn hn v khng qu 05 ngy i
vi mn vay trung v di hn.
Bc 6: Hon tt h s
- Da vo nhng thng tin ca khch hng, cn b tn dng nhp d liu vo
phn mm INCAS, in h s cho khch hng theo mu qui nh ca Ngn hng v
hng dn khch hng k h s.
- Lnh o i chiu h s v k trn hp ng th chp, bin bn nh gi
th chp.Sau khi k, khch hng mang h s n phng mi trng v phng
cng chng ca Nh nc cng chng.
- Cn b tn dng to CIF, A/A cho khch hng, mi khch hng s c mt
s CIF ti ngn hng, da vo s CIF ny ngn hng qun l khch hng.
- Lnh o phng s duyt s CIF v A/A . A/A l hn mc cp tn dng
dnh cho lnh o quyt nh.
- xxiii-

- Tng hp tt c h s sau khi khch hng cng chng v trnh ln Ban

gim c k duyt.
Bc 7: Gii ngn
-

Cn b tn dng lm th tc gii ngn cho khch hng.

M ti khon tin gi cho khch hng.

Lm phiu chi tin nu khch hng nhn tin mt.

- Th tc gii ngn phi ng ni dung nh trong giy nhn n v c s xt

duyt chi tin mt ca Ban gim c.
Bc 8: Kim tra, kim sot cc khon vay
Kim tra v gim st khon vay l qu trnh thc hin cc bc cng vic
sau khi cho vay nhm m bo ngi vay s dng ng mc ch, c hiu qu s
tin vay, n c hon tr n gc, li vay ng hn, ng thi thc hin cc bin
php thch hp nu ngi vay khng thc hin y , ng hn cc cam kt.
Bc 9: Thu n li v gc v x l nhng pht sinh.
Bc 10: Thanh l hp ng tn dng v hp ng bo m tin vay
- Tt ton khon vay
- Thanh l hp ng tn dng, hp ng m bo tin vay
Bc 11: Gii chp ti sn m bo:
- Xut kho giy t v Ti sn m bo.
- Xa ng k giao dch bo m, ngn hng thng xo th chp ti sn
m bo l nh ca.
Bc 12: Lu gi h s tn dng v h s bo m tin vay.
- Phng k ton:
Hp ng tn dng
Giy nhn n
T trnh thm nh
Giy ngh xin vay vn- kim phng n vay tr n
- xxiv-

- Phng kho qu tin t:

Bin bn nh gi
Hp ng th chp
Phiu nhp kho ti sn m bo

- Phng tn dng khch hng c nhn

Giy nhn n
Giy ngh xin vay vn_kim phng n vay tr n
T trnh thm nh, t trnh thm nh cp gii hn tn dng
Hp ng tn dng, hp ng th chp

n yu cu ng k th chp
n yu cu cp gii hn tn dng
Bn thng bo cp tn dng
Chm im khch hng c nhn
Phiu nhp kho ti sn m bo
Bin bn s dng vn vay
Vi qui trnh lm vic nh trn, ngn hng a ra nhng qui nh c th
chc nng nhim v ca mi phng ban trong qu trnh cho vay. Tuy nhin, v s
lng nhn vin phng tn dng cn t so vi s lng khch hng n vay nn cc
th tc cho vay i vi khch hng cn hn ch v mt thi gian. i vi Ngn
hng Cng Thng ti chi nhnh Bnh nh th vic cng chng do khch hng t
i cng chng. Nhng ngn hng cng a ra qui nh c th ch chp nhn cng
chng ti phng cng chng s 1 thuc s kim sot ca Nh nc nn cng vic
cng chng vn m bo theo qui nh ca php lut. y cng l mt hn ch ca
Ngn hng ti chi nhnh nhng c s thng nht ph duyt ca Ngn hng
Trung ng .
1.5.

Thc trng cho vay vay tiu dng

Trc bi cnh si sc ca th trng cho vay tiu dng v s cnh tranh

tm kim khch hng ca cc ngn hng khc trong vic tm kim khch hng
- xxv-

trong lnh vc ny, NHCT_chi nhnh Bnh nh cng c nhng bc chuyn

tch tch cc v c s lng v cht lng cc mn vay tiu dng.

V d n cho tiu dng

Bng 2: D n cho vay tiu dng

n v: t ng
Nm 2007
Ch tiu
Cho vay ngn hn
Cho vay trung di
hn
Cho vay c ti sn
m bo
Cho vay khng c
ti sn m bo
Tng

s tin

Nm 2008

t trng

s tin

t trng

Nm 2009
s
tin
t trng

2,56

24.47%

3,167

23.87%

5,46

23%

7,898

75.53%

10,10

76.13% 18,277

77%

8,624

82.46%

11,25

84.79%

1,834
10,458

18,01

75.87%

17.54%
2,017 15.21% 5,727 24.13%
100%
13,267
100% 23,737
100%
Ngun phng khch hng c nhn

Qua s liu ta thy c d n cho vay tiu dng lin tc tng trong 3 nm qua.
Cui nm 2007 ch tiu ny l 10,458 tng, n cui nm 2008 ln ti 13,267 t
ng, tng ng vi tc tng trng l 26.86% so vi nm 2007. n
31/12/2009 d n cho vay tiu dng t 23,737 t ng tng 78.92% so vi nm
2008, cao hn tc tng trng ca nm 2008 so vi nm 2007. S tng ln ny
cho thy ngn hng hot ng cho vay tiu dng ca ngn hng Cng Thng ti
chi nhnh ang ngy cng c m rng. Trong khong thi gian ny, cc ngn
hng mi mc ln v s m rng quy m ca cc chi nhnh ngn hng khc ngy
cng nhiu. Tuy nhin th phn ca ngn hng Cng Thng_chi nhnh Bnh nh
vn khng gim st m cn tng ln cho thy c uy tn ca ngn hng i vi
khch hng vn c duy tr.
- xxvi-

V c cu theo thi hn, ta thy hot ng cho vay tiu dng ca chi nhnh ch
yu l cc mn vay vi thi hn trung v di hn. T trng d n ngn hn lun
chim trn 70% tng d n cho vay tiu dng. C th, t trng d n trung v di
hn nm 2008 t 10,10 t ng chim 76.13% cao hn nm 2007 l 0.6%, nm
2009 t 18,277 t ng chim 77% so vi nm 2008 .Nh vy c cu cho vay
tiu dng c xu hng tng t trng cho vay trung v di hn, cc khon vay ch
yu phc v cho mc ch tiu dng i sng hng ngy nh: sa cha nh ,
mua trang thit b trong gia nh. Cc khon cho vay ngn hn chim t trng thp
v phn ln kh nng chi tr ca ngi dn cn thp, mc thu nhp kinh t Tnh
cn thp hn so vi thnh ph H Ch Minh . iu ny lm cho ngn hng b tn
ng trong vic s dng vn. Tuy nhin, ngn hng vn p ng nhu cu vay cho
ngi dn khi iu kin cho vay ca ngn hng.
Phn loi theo cho vay tiu dng c ti sn m bo v khng c ti sn m bo,
thng qua bng s liu th cc khon cho vay tiu dng c ti sn m bo lun
chim t trng cao hn. Nm 2007 cho vay tiu dng c ti sn m bo l 8,624
t ng chim 82,46% tng cho vay tiu dng, nm 2008 l 11,25 t ng chim
84,79% cao hn nm 2007. Tuy nhin n nm 2009 ngn hng m rng iu kin
cho vay khng c m bo ch yu l i vi cn b cng nhn vin c thu nhp
n nh, mc lng cao lm cho t trng d n ti sn m bo thp gim 8.92%
so vi nm 2009. iu ny chng t ngn sn phm cho vay i vi cn b cng
nhn vin c ngi tiu dng quan tm. i tng l cn b cng nhn vin
ang l mt khch hng tim n trong tng lai mang li li nhun cho hot ng
ngn hng.
Tuy hot ng cho vay tiu dng c pht trin, quy m c tng ln, song mc tng
ny l khng cao, n ch chim mt t l rt nh trong tng cho vay ca ngn hng
ti chi nhnh Bnh nh . Ta c bng t trng d n cho vay tiu dng so vi cho
vay tn dng ca ngn hng nh sau:
Bng 3: T trng d n cho vay tiu dng ca NHCT_chi nhnh Bnh nh
n v : t ng
Ch tiu

2007

2008

2009

D n cho vay
719.154 100% 754.778 100% 1088.608 100%
D n cho vay tiu
dng
10,458 1.45% 13,267 1.75% 23,737
2.18%
Nhn vo s liu ta thy t trng cho vay tiu dng tng dn qua cc nm 2007,
2008, 2009. Nm 2007 d n cho vay tiu dng chim 1.45% ; nm 2008 chim
- xxvii-

1.75% v n nm 2009 chim 2.18%. D n ngy cng tng qua cc nm chng

t s lng khch hng n vay ti ngn hng c gia tng, cng tc m rng chi
nhnh hiu qu . Tuy nhin, so vi tng d n cho vay ca c chi nhnh Ngn
hng ti Bnh nh th t trng d n cho vay tiu dng ch chim t l nh. Phn
ln l cho vay i vi sn xut kinh doanh h gia nh c thi hn ngn hn, v
iu ny lm cho ngn hng linh hot hn trong vic s dng vn, chng ng
vn.

V doanh s tiu dng

Bng 3 : T trng doanh s cho vay tiu dng
n v: t ng
Ch tiu

2007

2008

Tng doanh s cho vay

1.733

100%

1.335

Doanh s cho vay tiu dng

10,80

0.62% 13,88

100%

2009
2.750

100%

1.03% 24,55

0.9%

(Ngun: phng khch hng c nhn)

Nhn chung ta thy t trng doanh s cho vay tiu dng tng dn qua cc nm.
Nm 2008, t trng doanh s cho vay chim 1.03% tng hn so vi nm 2007 l
0.41%. n nm 2009, t trng cho vay tiu dng chim 0.9% thp hn so vi
nm 2008 l 0.13%.T trng ny thp l do nh hng ca nhn t tng doanh s
cho vay v doanh s cho vay tiu dng nm 2009 cao hn 2008. Nh vy doanh s
cho vay tiu dng chim 1 t l thp trong tng doanh s cho vay chng t ngn
hng cha tp trung lm vo lnh vc cho vay tiu dng m ch yu l tp trung
vo cho vay kinh doanh h gia nh v doanh nghip c nhn.
V n qu hn
V n qu hn cho vay tiu dng chim t l rt nh khng ng k. l do cn
b quan tm chm sc, nhc nh khch hng trong vic tr li nn phn ln hn
ch uc ri ro cho cc khon n ca khch hng. Tuy nhin, vn cn c 1 s
trng hp n qu hn dn n n xu.

- xxviii-

2. nh gi hot ng cho vay tiu dng ti chi nhnh

2.1.

Kt qu t c

Qua cc ch tiu phn tch trn ta thy c hot ng cho vay tiu dng ca
NHCT- Chi nhnh Bnh nh ang ngy cng c m rng. Biu hin c s
tuyt i v c s tng i ca doanh s, d n, li nhun t hot ng cho vay
tiu dng, cc iu kin khch hng c th vay ngn hng cng ngy cng
c ni lng hn. Mc d t l cc khon cho vay c ti sn m bo cao nhng
thi gian va qua cc khon cho vay tiu dng c n qu hn chim t l thp.
Hot ng cho vay tiu dng ngy cng m rng, mc ng gp vo tng li
nhun t hot ng cho vay tuy cn b nhng ngy cng tng. S lng khch
hng tm n ngn hng vi mc ch vay tiu dng ngy cng ln, iu ny gp
phn to ra mt ngun huy ng vn ln cho Ngn hng ti chi nhnh Bnh nh
ni ring v ton b h thng NHCTVN ni chung. Bi i tng cho vay tiu
dng : c nhn, h sn xut, cc tng lp dn c cng chnh l i tng thu ht
tin gi tit kim ca mi ngn hng trong lu di, v thc t cho thy t trng
huy ng vn t ngun ny chim mt t l ng k trong tng ngun vn huy
ng bng vic a dng ha cc dch v sn phm cho vay tiu dng, ng dng
nhng cng ngh tin tin vo cc hot ng cho vay nng cao v th v uy tn
ca Ngn hng Cng Thng ti chi nhnh Bnh nh trong qu trnh cnh tranh
trn th trng, l im n an ton nhiu s la chn vi cht lng cao cho
khch hng. Qua a dng ha c cc sn phm, dch v, phn tn ri ro, a
dng ha u t, a dng ha khch hng theo ch trng, chnh sch ca ngn
hng. Cho vay tiu dng thu ht c mt s lng ln cn b cng nhn vin
ca cc c quan n v lm n c hiu qu , tht cht mi quan h giao dch vi
cc c quan n v m cn b cng nhn vin lm vic, lm tin cho k
hoch s dng cc sn phm ca ngn hng. T gp phn nng cao i sng
cho nhn dn, tng sc mua cho nn kinh t, kch thch sn xut kinh doanh pht
trin. Ngoi ra, vic ngn hng cho php cc cn b tn dng khng thuc phng
khch hng c nhn (phng khch hng doanh nghip) c th t mnh tm kim
khch hng trong mi lnh vc k c cho vay tiu dng gp phn tn dng c
mi mi quan h ca cn b tn dng, a dng ha khch hng, t hot ng
cho vay tiu dng ca khch hng c m rng hn. y l mt c im m cc
ngn hng khc cn phi hc tp.

- xxix-

2.2.

Hn ch v nguyn nhn
2.2.1.

Hn ch cn khc phc:

Mc d quy m cho vay tn dng ngy cng c gia tng nhng vn cha tng
xng vi tim nng hin c ca ngn hng, cha thc s p ng nhu cu th
trng, nhu cu ca ngi dn, cha c g c bit to ra u th cnh tranh trn
th trng. T trng cho vay tiu dng trn tng s ngun vn cn qu thp, quy
m doanh s cho vay chim t trng nh trong tng doanh s cho vay ca ngn
hng, li thu c t hot ng cho vay tiu dng cn rt nh so vi tng li t
hot ng tn dng. Trong nhng nm gn y, nht l cui nm 2008 th trng
cho vay tiu dng ln cn st , nhiu ngn hng vi cc chin lc khc nhau nh
to ra nhiu sn phm mi, cho vay ch trong 1 gi, 24 gi thm nh thu ht
c mt s lng khch hng vay tiu dng, to ra c mt khon li nhun rt
ln trong lnh vc ny. Trong khi ngn hng vn cha c hot ng g ni bt,
cha to c s n tng hay khc bit no c th cnh tranh vi cc ngn
hng khc cho thy s km linh hot ca ngn hng trong lnh vc ny.
Ngn hng cha thc s quan tm ng mc vo hot ng cho vay tiu dng.
Cc sn phm cho vay tiu dng cn qu ngho nn, cha a dng, khng c sn
phm mi. Ngn hng mi ch ch yu cho vay mua sm , sa cha nh ca
Dch v cho vay h tr du hc l dch v t ri ro, ngun thu ph tng i ln l
dch v c nhiu ngn hng tp trung khai thc, trong khi ti NHCT-Chi nhnh
Bnh nh, sn phm ny ch chim t trng rt nh.
Khch hng vn cn cha a dng, ch yu l khch hng truyn thng c mi
quan h lu nm vi chi nhnh, vic thu ht thm khch hng mi khng cao v
khng hiu qu. Ngn hng cn th ng trong vic tm kim khch hng, ch yu
l khch hng t tm n ngn hng ch ngn hng cha ch ng tm n khch
hng. Cha khai thc trit i vi cho vay tiu dng i vi cn b cng nhn
vin Nh nc bi h l nhng ngi c thu nhp n nh trong bi cnh nn kinh
t hin nay.
Xt v phng thc cho vay, cc khon vay ch yu l theo hnh thc trc tip,
hnh thc cho vay gin tip cha thc hin nhiu. Vic kt ni, phi hp vi cc
trung tm mua sm l mt bin php hu hiu trong m rng cho vay tiu dng
ang c nhiu ngn hng thc hin trong khi chi nhnh Bnh nh khng c
ch trng khai thc lm.
Cng tc tip th, marketing ca ngn hng cn hn ch, dn n vic th ng
ngi ch khch hng. Trong thi bui cnh tranh gay gt th hot ng marketing
rt quan trng khch hng c th bit v tm n ngn hng.
- xxx-

2.2.2.

Nguyn nhn:

Nguyn nhn khch quan:

- Mi trng php l cn cha hon thin
Hin nay php lut Vit Nam vn cha c mt quy nh c th i hot ng cho
vay tiu dng . Cc ngn hng ch yu s dng cc vn bn chung nh lut cc t
chc tn dng, quy ch cho vay ca t chc tn dng, quyt nh v thc hin
chuyn n qu hn... lm cn c cho vay tiu dng cha tht s y , cht
ch, khin cho th tc cho vay, iu kin vay kh khn gy cn tr cho c ngn
hng ln khch hng trong hot ng ny.Cc phng cng chng Nh nc lm
th tc nh hng n vic vay ca khch hng gy cho khch hng tm l khng
thoi mi,chn nn khi i cng chng.
- S cnh tranh gay gt
Trong xu th hi nhp, nhiu ngn hng mi c mc ln ti Tnh Bnh nh
nh Ngn hng Qun i, Ngn hng Nam cng vi nhiu chi nhnh ngn
hng khc m rng ln lm gim th phn ca ngn hng trong mi lnh vc c
bit l trong hot ng cho vay tiu dng do cc ngn hng nhn thc c xu th
pht trin tt yu ca hot ng ny, v ra sc y mnh n bng cc chin lc
khc nhau.
- Tm l x hi
Ngi dn thng c thi quen cn c, chu kh, tit kim, thng tch ly s
dng lu di, ch mua sm ti sn s dng khi tch ly . Hn na, nhn thc ca
h v li ch khi s dng cc dch v ngn hng cn hn ch, v cn e ngi cc th
tc phin h, phc tp, mt thi gian, trong vic lp h s xin vay
y l mt yu t tc ng khng nh n vic m rng cho vay tiu dng.
Nguyn nhn ch quan
- Hot ng cho vay tiu dng ca ngn hng cha c ch trng, i tng ch
yu m ngn hng hng ti l cc doanh nghip. V th ngn hng cha c chin
lc c th pht trin hot ng cho vay tiu dng.
- Kh nng huy ng vn tng nhng vn cha khai thc ht ngun vn huy ng
lm cho ch tiu tng d n cn thp, tht cht vic cho vay vi nhiu loi sn
phm cho vay tiu dng khc.

- xxxi-

- Hot ng marketing, tip th i vi sn phm cho vay tiu dng cha c y

mnh. Cn b tn dng cha ch ng tm n khch hng, lm s lng khch
hng tm n ngn hng cha nhiu.
- Cng ngh ngn hng cha c u t nhiu.
- S kt ni ca ngn hng i vi cc knh phn phi sn phm tiu dng nh
siu th, trung tm mua sm cha c ngn hng trin khai nhiu.
- S lng cn b tn dng cn t m phi chu p lc trong vic qun l nhiu
khch hng nn kh trnh khi vic kim sot khch hng cht ch, cc khon n
n hn cha tr d dn n nhm n xu nh hng n hot ng ca ngn
hng.

- xxxii-

CHNG 3: BIN PHP V KIN NGH I VI CHO

VAY TIU DNG TI NHCT_CHI NHNH BNH NH
1. Bin php
1.1.

y mnh hot ng marketing ngn hng

Trong tnh hnh cnh tranh gay gt hin nay, hot ng marketing vi hng lot
cc cng vic: nghin cu, phn tch th trng pht hin v tho mn nhu cu
dn c, qung co tn tui, dch v, chm sc khch hngng mt vai tr v
cng quan trng trong vic khch trng tin ch trong cc dch v ca ngn hng.
Hn na tm l khch hng c nhn c thi quen bt chc s ng trong tiu
dng dch v, nht l trong lnh vc ngn hng.
Hot ng marketing ca ngn hng hin nay cn m nht, cha c ch trng,
ngn hng cha c chin lc c th bt ph, qung b hnh nh ca mnh. V
th, chi nhnh Bnh nh cn phi y mnh hn na hot ng ny lm cho
hnh nh ca ngn hng c nhiu ngi bit n hn. ng thi tng cng
gii thiu cc sn phm ni chung v cho vay tiu dng ni ring trn cc phng
tin thng tin i chng khc nh sch bo, tp ch, truyn hnh, mn hnh trn
my rt tin t ng ATM, trn cc bng chy qung co trn ng ph cc
dch v, tin ch hay chnh sch u i ca ngn hng.
Ngn hng nn lp ra mt phng marketing ring bit vi nhim v khch trng,
nng cao hnh nh ca s giao dch trong cc hot ng ni chung v hot ng
cho vay tiu dng ni ring.
1.2.

Nng cao cht lng ngun nhn lc

Phn ln cc khon vay u l s tng tc trc tip gia cn b tn dng vi

khch hng. V th, trnh chuyn mn v phong thi lm vic ca cn b tn
dng ng vai tr rt quan trng n nh hng n kt qu ca hot ng cho
vay, phn nh b mt ca ngn hng. Hin nay, ngn hng c mt i ng cn
b tr, c trnh (65,43 % c bng thc s, i hc, cao ng). Tuy nhin ngn
hng cng phi thng xuyn r sot, la chn cn b tn dng c trnh ,
nghip v, phm cht, o c thc hin cc hot ng nghip v. Phi tng
cng o to mt cch ton din, lin tc, c h thng khng ngng nng cao
trnh , phm cht ca cn b tn dng ph hp vi s pht trin ca nn kinh t,
bng vic m cc lp tp hun nghip v ti ch, c ngi i hc nm bt c
kp thi mi quy nh, sa i mi ca Nh nc, hc hi thm t cc i th
cnh tranh, hay c cn b i hc nc ngoi tch ly kinh nghim t nhng
- xxxiii-

nc Pht ng phong tro t hc , t bi dng, t nng cao nng lc bn

thn trc s thay i ca nn kinh t th trng. T chc thi nghip v hng nm
v c ch khen thng, i ng i vi nhng cn b c nhiu cng hin.
Khng ngng tuyn dng, chn lc, b sung, tng cng lc lng cn b tn
dng c ti, c c ph trch mng khch hng c nhn.

2. Kin ngh
2.1.

Kin ngh vi c quan qun l Nh nc

Nhn thy nhng tc dng tch cc, nhng li ch m hot ng cho vay tiu dng
mang li v xu hng pht trin ca n. Nh nc v cc c quan c thm quyn
cn phi c nhng chnh sch c th nh hng cho s pht trin cho vay tiu
dng, khuyn khch v to iu kin loi hnh ny pht trin v din ra mt
cch sun s. C th:
- Trc tin, Nh nc cn phi to ra mt mi trng kinh t u t an ton, vi
h thng chnh tr vng mnh. C gng duy tr mt nn kinh t n nh, lnh mnh
vi cc ch s mc hp l.
- Hon thin mi trng php lut vi cc ngh nh, thng t r rng, thng
thong, m bo s cng bng trong cnh tranh gia cc ngn hng thng mi
quc doanh v ngn hng thng mi c phn.
- Ban hnh cc vn bn php lut to iu kin m rng cc dch v, sn phm cho
vay tiu dng. n gin ha th tc cp giy chng nhn quyn s dng t,
quyn s hu nh to iu kin cho cc h gia nh, c nhn c iu kin
vay vn. ng thi ban hnh cc quy nh c th v nh gi t y nhanh
vic nh gi ti sn m bo, t y nhanh quy trnh cho vay tiu dng. Ngoi
ra nh nc cn phi chnh sa cc th tc cng chng, ng k giao dch m
bo vi cc hp ng cm c, th chp c din ra mt cch hp l, xa b
nhng th tc khng cn thit.
- To iu kin thun li cc ngn hng vi cc t chc bn sn phm tiu dng
c lin kt vi nhau trong vic cung cp sn phm cho khch hng. ng thi
to iu kin cho cc ngnh sn xut hng tiu dng pht trin, gp phn tng cung
v hng ha, dch v tiu dng, to thm cng n vic lm cho ngi lao ng,
nng cao cht lng i sng dn c, t s lng khch hng vay tiu dng s
tng ln.
- C c ch khuyn khch cc ngn hng lin kt vi nhau trong vic cung cp sn
phm dch v cho khch hng, c bit l trong lnh vc th thanh ton.
- xxxiv-

- To iu kin cho cc ngn hng c kinh ph c cn b c hc tp v nghin

cu nc ngoi nnng cao v trnh ca cc ngn hng v cho chnh nc
nh.
2.2.

Kin ngh vi ngn hng nh nc Vit Nam

Ngn hng nh nc Vit Nam l c quan trc tip iu hnh hot ng ngn hng
trong ton b h thng, vi cc chnh sch, quy nh, nh hng khc nhau, nh
hng ln n hot ng ca cc ngn hng thng mi.
Bng cc quy nh, chnh sch khc nhau, ngn hng c th thc y hot ng tn
dng ni chung v hot ng cho vay tiu dng ni ring. Sau y l mt s kin
ngh i vi ngn hng Nh nc hot ng cho vay tiu dng c m rng
hn:
- Trc ht, hon thin Lut tn dng v cc vn bn php lut lin quan ti hot
ng tn dng ni chung v hot ng cho vay tiu dng ni ring trn c s
nghin cu xu hng pht trin ca th trng. T c cc iu chnh thch hp
nh thay i li sut, c ch cho vaylinh hot theo hng c li cho hot ng
ny, to iu kin thun li cho c ngn hng v khch hng. ng thi to iu
kin cho cc ngn hng thng mi ch ng tch cc hn trong vic php trin
cho vay tiu dng.
- Ngn hng Nh nc nn ra mt chin lc pht trin chung cho cc ngn
hng v hot ng cho vay tiu dng lm ng b ha hot ng ca cc ngn
hng, nhm to s thng nht v cnh tranh bnh ng gia cc ngn hng trong
hot ng cho vay tiu dng.
- Tng cng cng tc kim tra, thanh tra, gim st hot ng cho vay tiu dng
ca cc ngn hng thng mi hn ch cc sai phm, gim thiu ri ro cho ngn
hng, bo v li ch cho khch hng. ng thi ban hnh cc quy ch x pht vi
phm ca c ngn hng trong qu trnh thc hin.
2.3.
Kin ngh vi ngn hng CngThng Vit Nam_chi nhnh Bnh
nh
- Kp thi c vn bn ch o, hng dn nghip v khi c cc vn bn mi ca
NHCT VN, hoc chnh ph v ca cc ngnh c lin quan n nghip v cho vay
tiu dng. ng thi kp thi tho g cc vng mc cho cc phng giao dch c
vn bn gi ln hi s chnh.
-Tuyn dng thm i ng nhn vin nng ng nng cao cht lng lm vic.

- xxxv-

- Vi mng lui hot ng ca Ngn hng trn a bn Tnh Bnh nh cn rt t

so vi a bn Tnh. Cc phng giao dch huyn, x ca ngn hng Cng Thng
cn t cha p ng nhu cu cho ngi dn, y l phn hn ch i vi vic
m rng th phn vi cc khch hng thuc huyn khc trn khu vc Tnh Bnh
nh. Trong khi , cc phng giao dch thnh ph Qui Nhn li m rt gn
nhau ch tp trung mt cm khch hng.
- C chnh sch khen thng hp l i vi nhng n v c kh nng pht trin
nhng dch v ngn hng hin i nhm kch thch tinh thn thi ua sng to gia
cc n v. ng thi x pht i vi nhng cn b lm tri qui nh ca ngn
hng.
- Nng cp c s vt cht, u t thit b cng ngh cho cc phng giao dch .

- xxxvi-

PHN KT LUN
Nh vy, qua phn tch trn, hot ng cho vay tiu dng ca Ngn hng Cng
Thng_chi nhnh Bnh nh tuy rng t c nhng thnh cng nht nh
trong khong thi gian gn y nhng vn cha thc s c ch trng v quan
tm thch ng, t l cho vay tiu dng trn ngun vn cn qu thp v cha h c
mt chin lc c th no pht trin hot ng ny. Hot ng cho vay tiu
dng mang li rt nhiu li ch cho ngn hng, khch hng v cho c nn kinh t .
V th ngn hng cn y mnh hn na hot ng ny. T nhng phn tch v
mi trng kinh doanh, li th v uy tn, nng lc, c s vt chtta c th khng
nh Ngn hng Cng Thng _chi nhnh Bnh nh hon ton c th m rng
hot ng cho vay tiu dng. Tuy nhin ngn hng cng cn phi i mt vi rt
nhiu kh khn, thch thc xut pht t bn thn ngn hng v t nhng nhn t
khch quan khc.
Trong tng lai, hot ng tn dng ni chung v hot ng cho vay tiu dng ni
ring ca chi nhnh s t c nhng thnh cng hn na, nng cao mc doanh
li, nng cao uy tn cho chi nhnh, s gp phn thc y qu trnh xy dng v i
mi pht trin ton din nn kinh t nc ta, thc hin cng cuc cng nghip ho
hin i ho t nc, a nn kinh t nc ta ho nhp vo qu trnh ton cu ho
nn kinh t.

- xxxvii-

TI LIU THAM KHO

- Nghip v ngn hng Trng i hc Kinh T TP.HCM. Ch bin:
Ts.Nguyn Minh Kiu
- Nghip v Ngn hng Thng Mi Trng i Hc Kinh T TP.HCM.
Ch bin: PGS-TS.Nguyn ng Dn.
- Bo co kt qu kinh doanh Chi nhnh Ngn hng Cng Thng Bnh nh

nm 2007-2009.
- Cc cng vn v quyt nh ti Ngn hng Cng Thng_chi nhnh Bnh
nh.

- xxxviii-