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TRNGIHCKINHTTP.HCHMINH
NGUYNTHANHHNG
NGHINCUCHTLNGDCHVCUNGCP
CHOKHCHHNGDOANHNGHIPCACCCHI
NHNHNGNHNGUTVPHTTRINVIT
NAMTRNABNTHNHPHHCHMINH
CHUYNNGNH:THNGMI
MS:60.34.10
LUNVNTHCS KINHT
Gingvinhngdnkhoahc:
TS.NGTH NGCHUYN
TP.HCHMINHNM2009
MCLC
Danhmccctvittt
Danhmcccbngbiu
Danhmccchnh
MU
(1)Cshnhthnhti ......................................................................................i
(2) Mcchnghincu.........................................................................................ii
(3) itngnghincu ......................................................................................iii
(4) Phmvinghincu..........................................................................................iii
(5)nghathctincati..............................................................................iii
(6)Quytrnhnghincu ....................................................................................... iv
(7)Bcccati............................................................................................... v
ChngI:CSLLUNVCHTLNGDCHVVCCMHNH
CHTLNGDCH V
1.1 DCHV ......................................................................................................... 1
1.1.1 Khinimdchv.......................................................................................... 1
1.1.2 ctnhdchv............................................................................................. 2
1.1.2.1 Tnhvhnh................................................................................................ 2
1.1.2.2Tnhkhngngnht ................................................................................. 2
1.1.2.3Tnhkhngth tchri ............................................................................... 3
1.1.2.4Tnhkhngth cttr................................................................................. 3
1.1.2.5Tnhthiucnitrongnnglcquanh.................................................. 3
1.2CHTLNGDCHV ............................................................................... 4
1.2.1Khinimchtlngdchv ........................................................................ 4
1.2.2Ccyutquytnhchtlngdchv ...................................................... 5
1.3CCMHNHCHTLNGDCHV .................................................... 6
1.3.1MhnhSERVQUAL................................................................................... 6
1.3.2MhnhSERVPERF ................................................................................... 12
1.3.3MhnhchtlngdchvcmnhnPSQM.............................................. 13
KTLUNCHNGI....................................................................................... 18
ChngII:THCTRNGCHTLNGDCHVTICCCHINHNH
NGNHNGUTVPHTTRINVITNAM(BIDV)TRNABN
THNHPH H CH MINH
2.1 GIITHIUHOTNGCABIDVV CCCHINHNHBIDVTI
THNHPHHCHMINH .............................................................................. 19
2.1.1Tng quanv hot ngcaBIDV.............................................................. 19
2.1.1.1Slcqutrnhhnhthnhvphttrin................................................ 19
2.1.1.2Ktquhot ngcahthngBIDV...................................................... 22
2.1.1.3Hot ngdchvvnhhngkhchhngcaBIDV .......................... 27
2.1.2Hot ngdchvcaccchinhnhBIDVtrnabnTP.HCM ............. 30
2.2 TRNH BY KT QU NGHIN CU CHT LNG DCH V CA
CCCHINHNHBIDVTRNABNTP.HCM.......................................... 34
2.2.1Mhnhnghincuchtlngdchv ....................................................... 34
2.2.1.1Mhnhnghincubanu..................................................................... 34
2.2.1.2Ccgithuyt........................................................................................... 36
2.2.1.3Phngphpnghincu .......................................................................... 36
2.2.2Thitknghincu ..................................................................................... 37
2.2.2.1Nghincunhtnh................................................................................. 37
2.2.2.2Nghincunhlng.............................................................................. 39
2.2.3Ktqunghincu ...................................................................................... 42
2.2.3.1Phntchmt......................................................................................... 42
2.2.3.1.1Thngtinvkhchhng .................................................................................. 42
2.2.3.1.2Xc nhnhucukhchhng........................................................................... 42
2.2.3.1.3Ccyuttc ng nchtlngdchv...................................................... 43
2.2.3.1.4 nhgivchtlngdchvcakhchhng ............................................... 44
2.2.3.2Phntchthango .................................................................................... 45
2.2.3.2.1KimnhCronbachsAlpha ........................................................................... 45
2.2.3.2.2Phntchnhntkhmph(EFA)................................................................... 48
2.2.3.3Mhnhnghincutngqut .................................................................. 51
2.2.3.4Kimnhmhnhnghincu.................................................................. 52
2.2.3.4.1PhntchtngquanhsPearson ................................................................. 52
2.2.3.4.2Phntchhiquy ............................................................................................. 53
2.2.3.4.3Phntchphngsai(ANOVA)...................................................................... 58
2.2.3.5Tmttktqunghincu ....................................................................... 62
2.2.3.5.1Xc nhnhucucakhchhng .................................................................... 62
2.2.3.5.2Ccyuttc ng nchtlngdchv...................................................... 63
2.2.3.5.3 nhgichtlngdchvcakhchhng.................................................... 68
2.2.3.5.4Miquanhgiathigiansdngdchvvi nhgichtlngdchv ... 69
2.2.3.5.5 Miquanhgiaslngngnhnggiaodchvishilngcakhchhng... 69
KTLUNCHNGII ..................................................................................... 71
Chng III: XUT NHNG GII PHP NHM GP PHN NNG CAO
CHTLNGDCHVCACCCHINHNHBIDVTITP.HCHMINH
3.1 NHNGNHHNGPHTTRINCABIDVNNM2015......... 72
3.1.1ChinlcphttrincaBIDVnnm2015............................................ 72
3.1.2 nhhngphttrindchvcaBIDV..................................................... 73
3.2 XUTCCNHMGIIPHPCTH.............................................. 74
3.2.1Chtrngccyutlinquanns huhnh ........................................... 74
3.2.1.1 utnngcpcsvtcht,trangthitb camngligiaodch.... 74
3.2.1.2 Chtrngphongcchchuynnghipcaingnhnvin .................... 75
3.2.1.3 Khngngnghonthinchtlngcasnphmdchvnhmgignv
nngcaostnnhimcakhchhng .................................................................. 75
3.2.2 Khngngngnngcaosthuntinchokhchhngsdngdchv ........ 76
3.2.2.1 Phttrinmngliphcvkhchhng ................................................. 76
3.2.2.2 Citinthtcvquytrnhgiaodch ...................................................... 77
3.2.3 Cithinhiuquphcvkhchhng ........................................................ 78
3.2.3.1 HonthinvnngcaohiuquphcvkhchhngcaCBCNV.......... 78
3.2.3.2 utphttrincngnghngnhngnhmpngnhanhchngnhng
nhucucakhchhng ........................................................................................ 80
3.2.4 adnghadanhmcdchvpngnhucukhchhng....................... 82
3.2.4.1 Xydngchinlcphttrinsnphmdchvadngvphongph . 82
3.2.4.2 Xydngchnhschphdchvlinhhotvmangtnhcnhtranh ......... 85
3.2.4.3 Tngcngcngtctvnvhtrkhchhng.................................... 86
3.2.5 Cngcstincycakhchhng .............................................................. 89
3.2.5.1 Lunmbotnhcnhtranhcasnphmdchv................................ 89
3.2.5.2 Gngishilngvtngcnghptcvikhchhng....................... 91
3.2.5.3 QungbhnhnhvthnghiucaBIDV........................................... 93
3.3 XUT MTS KINNGH ......................................................................... 96
3.3.1 Kinnghivicccquanqunlnhnc.......................................... 96
3.3.2 Nhnghnchcativkinnghchoccnghincutiptheo............ 97
KTLUNCHNGIII .................................................................................... 99
KTLUN
Tiliuthamkho
Phnphlc
MU
1. Cshnhthnhti
Hinnay,qutrnhhinhpcanctavonnkinhtkhuvcvthgii
angdinramnhmvtonnnhngnhhngngycngsurngnttc
mi lnh vc. S kin Vit Nam chnh thc tr thnh thnh vin ca T chc
Thng mi Th gii (WTO) vo ngy 11/01/2007 nh du mt bc ngot
quantrngtrongtintrnh m cavhinhpquctcancta,em ncho
nnkinhtnhiuchiphttrinnhngngthicngmangtheokhngtnhng
thch thc cnh tranh. Nhng thch thc ng k nyxut hin trong tt c cc
ngnhnghvlnhvckinhdoanh,trongdchvngnhnglmttrongnhng
ngnhchutcngnhiunht.Gianhpvothtrngmangtnhtoncu,cng
vil trnhthchincccamkt WTO,nnm2010 vcbnVitNamphi
thchinmcahontontronglnhvcngnhng.Do,ccngnhngthng
miphichpnhnbcvomtcuccnhtranhgaygthn,khngchtpha
ccngnhngnianhlunay mcnvi nhiungnhngncngoikhckhi
cchnchthtrng cgb.Dthmnhpbngcchnyhaycchkhc,cc
ngnhngncngoiulnhngithcnhtranhvinhiuthmnh,cbit
lnhnglithvthnghiu,ngunnhnlc,timnngtichnhdido,tnh
chuynnghipvkhnngcungcpccsnphmdchvcchtlngcao.
Trong mi trng vi p lc cnh tranh ln, vi nhng bin ng lin tc
ca cc iu kin kinh t v m nh hin nay, khch hng l nhn t mang tnh
quyt nh i vi s tn ti v pht trin ca cc ngn hng. Tng ngn hng
khngnhng chtrngnvictipcn,thuhtkhchhngmitrnthtrng,
mchnhvicngnhngphihpcngvinhngkhchhngtruynthng,nhng
khchhnghintitrongccdnut,phngnkinhdoanhvcngcmi
quanhvikhchhngccnglmtchinlcquantrng,bilvictodng
nnkhchhngnnhvnrtcnthitmbochohotngkinhdoanhca
ngnhngphttrin.Vnduytrvgiatngchtlngdchvcungcpcho
khch hng tr thnh khuynh hng ch yu trong cuc cnh tranh gia cc
ngnhng thngmi.Ngnhngnodnhcmiquan tm cakhchhng,
phcvvpngccnhucucakhchhngmtcchttnht,ngnhng s
c kh nng pht trin mi quan h tt p v duy tr s trung thnh ca khch
hng.Chnhvvy, chinlckinhdoanhhngnnngcaochtlngphcv
khchhngangtrthnhmtchinlcctmquantrngbcnht.nngcao
cht lng dch v cung cp n cho khchhng mt cch tt nht c th, ngn
hngphinmbtcnhngmongmunvkvng cakhchhng,t
chngcithinvthay inhmpngkpthinguynvngcakhchhng.
Khi nng lc phc v khch hng ca ngn hng lun lun c ci thin ngy
cngtthn,khikhchhngsdngccsnphmdchvcangnhngmtcch
hilnghn,khiyngnhngmicthngvngctrongcuccnhtranh
quytlitnhhinnay.
TP.HCMlmttrongnhngabnhotngtrngimcaNgnhng
ut&PhttrinVitNam BIDV.Trongnhngnmvaqua,hotngca
BIDVnichungvccchinhnhBIDVtiTP.HCMcstngtrngkhtt.C
cktqukhquannhvychnhmtphndavonhngiukinthunli
ca th trng, bi TP.HCM l mt trung tm kinh t ln, l ni c hot ng
thngmivdchvsingnhtcnc.Tuynhin,ycnglabncs
cnh tranh rt cao bi mt tp trung dy c ca mng li cc ngn hng
thng mi c trong vngoi nc. Do , cc chi nhnh BIDV ang hot ng
trnabnTP.HCMcnphinngcaochtlngccdchv cungcpncho
khch hng, ng thi khng ngng hon thin phong cch phc v khng
nhngduytrmiquanhttpvikhchhngc,thuhtthmkhchhngmi
mcnlnntng nngcaonnglccnhtranh, gpphnchoBIDVtiptc
phttrinvngchctrongthikhinhp.Vvy,tiNghincuchtlng
dchvcungcpchokhchhngdoanhnghipcaccChinhnhNgnhng
ut&PhttrinVitNamtrnabnTP.HChMinhcthchinvi
mong mun nghin cu mong i v kin nh gi v cht lng dch v ca
nhmkhchhngdoanhnghip,tctharanhnggiiphpnhmnng
caochtlngdchvcungcpnchokhchhngticcchinhnhBIDVang
hotngtrnabnthnhph.
2. Mcchnghincu
ticthchinnhmmctiutmhiu,khostnhngnhgica
khch hng v cht lng dch v c cung cp bi cc Chi nhnh BIDV ti
TP.HCM.t mctiucbntrn,tishngvonghincucthnhng
vnsauy:
Quakinnhgicakhchhng,xcnhnhngyuttcngn
chtlngdchvmtcchy.Davo,ccchinhnhBIDVti
vkinnghnhmnngcaochtlngdchvticcchinhnhBIDVtrnabn
TP.HCM. Da vo nhng xut , cc chi nhnh BIDV c th a ra nhng
chnhschcithinthchhpnhmnngcaochtlngdchvcngnhhiuqu
hotngtrongthigianti.
5.Nhngnggpmicati
VivicthchincccamktgianhpWTO, mitrngkinhdoanhca
VitNamstrnnminhbchhnnhngcngcnhtranhquytlithn.Do,
nngcaochtlngdchvcungcpnchokhchhnglvnsngcntrong
cuccnhtranhcaccngnhngtronggiaionhinnay.Vingha,ti
Nghincuchtlngdchvcungcpchokhchhngdoanhnghipcacc
chinhnhBIDVtrnabnTP.HCMckvngcnghathisvem
linhngnggpminhsau:
Trncstmhiucctiliu,thamkhonhngcngtrnhnghincu
vdchv clinquan,titiptcnghinculthuytvlnhvc
dchvdavoaranhngxutnhmnghincuchtlng
dch v ca cc chi nhnh BIDV trn a bn TP.HCM. ti gp
phnhthngccl lun vkhinimvdchv,chtlngdchv,
ccmhnhnghincuchtlngdchvnhmlmcskhoahccho
nhng bc nghin cu nh tnh v nh lng tip theo sau . c
bit, tp trung nghin cu su v cc m hnh cht lng dch v ph
bin:tmhiuqutrnhhnhthnhvccnidungchititcamhnh
SERVQUAL,mhnhPerceivedServiceQualitynhng ngdngvkt
qu kimnh trongthctin caSERVQUALcngnhmhnhbin
thcanlSERVPERF.
Datrnccmhnhchtlngdchvtmhiu,tiaram
hnhnghincubanudatrncskthpnhngnidungcnthit
caccmhnhchtlngdchv,chnlccctiuchlmthango
phhpvinghincuvchtlngdchvtronglnhvcngnhng.
ng thi, xut tin hnh xem xt mi tngquan c th gia thi
gian s dng dch v i vi cht lngdch v nhm lm r hn cc
lunccamhnhSERVQUALvPerceivedServiceQualityModel.
Thchinccbcnghincunhtnhvnhlngrtranhng
kt qu cn thit theo mc tiu nghin cu racng nh xc nh
c nhgicaitngkhchhngdoanhnghipivichtlng
dchvdoccchinhnhBIDVtrnabnTP.HCMcungcp,davo
tiaraccgiiphpvkinnghnhmcithinvnngcao
chtlngdchvcahthngBIDVnichungvccchinhnhBIDV
tiTP.HCMniring.
6. Quytrnhnghincu
Mctiunghincu
Csllun:
Lthuytvdchv,chtlngdchv
Cc m hnh cht lng dch v SERVQUAL,
SERVPERFvPSQM
Xc nhmhnhnghincuvccthang o
Nghincunhtnh:
Tholun/Phngvn
iuchnhmhnhvccthang o
Nghincunhlng:
Thitkbngcuhi
Thuthpsliu
Xlsliu:
Phntchccthngkmt
Kimnh tincy
Phntchnhnt
Hiuchnhmhnh
Phntch hsPearson
Phntch hiquy
Phntchphngsai ANOVA
araktqu nghincu
xutvkinngh
7. Bcccati
Lunvnc bccvinidungcth nhsau:
MU.
CHNGI:Csllunvchtlngdchvvccmhnhchtlng
dchv.
CHNG II: Thc trng chtlngdch v ti cc Chinhnh Ngnhng
ut&PhttrinVitNam(BIDV)trn abnTP.HCM
Hot ng ca BIDV v cc Chi nhnh BIDV trn a bn
TP.HCM
Kt qu nghin cu cht lng dch v ca cc Chi nhnh
BIDVtrnabnTP.HCM
CHNGIII: xutnhnggiiphp nhmnngcaochtlngdchv
ticcChinhnhBIDVtrnabnTP.HCM.
KTLUN.
ChngI
CSLLUNVCHTLNGDCHVV
CCMHNHCHTLNGDCHV
1.1DCHV
1.1.1 Khinimdchv
TheotiliucaMUTRAP Dnhtrthngmiabin(2006),cho
nnaychacmtnhnghachnhthngnovdchv.Ccnhnghincu
tronglnhvcmarketingvkinhdoanhartnhiukhinimvdchv,nhng
khinimctrchdnph binnhtlca2nhnghincuValarieA.Zeithaml
vMary J.Bitner(2000):Dchvlnhnghnhvi,qutrnhvcchthcthc
hinmtcngvicnonhmtoragitrsdngchokhchhng,lmtha
mnnhucuvmongicakhchhng.
Dchvlmtloihnhhotngkinht,tuykhngemlimtsnphm
cthnhhngha,nhngvlmtloihnhhotngkinhtnncngcngi
bn (ngi cung cp dch v) v ngi mua (khch hng s dng dch v). Bn
cnh cc hot ng trong lnh vc nng nghip v cng nghip, ton th nhng
ngi/nh cung cp dch v hp thnh khu vc th ba ca nn kinh t: dch v.
Lnhvcdchvngycngngvaitrquantrngivinnkinhttoncu.
Chn75%cngvictiMhintilthucccngnhdchv.Ccngnhdch
vtora85%cngvicmivnggp66%votngsnphmqucdn(GNP)
canc M. nhngncangpht trinnh Brazil, ccngnh dch v cng
chimn54.5%GNP(CauchickMiguel&Salomi,2004).Cnhiungnhdchv
khcnhau:
o Thngmi
o Tichnh
o Giaothng, vnti
o Thngtin,tvn
o Chmscsckhe
o Giodc
o Dchvhnhchnhcng
o Dulch,lhnh
o Ththao,giitr,nghthut
1.1.2ctnhdchv
Dchvnhngcngvic,qutrnhvnhnghotngnhmtoragitr
sdngchokhchhng,lmthamnnhucusnxut,kinhdoanhvsinhhot.
V bn cht, snphm dch v lmt sn phm v hnh, cng tng t nh sn
phm hng ha nhng l phi vt cht. Khch hng ch nhn c sn phm ny
thngquacchotnggiaotip,nhnthngtinvcmnhn.Dovy,dchvlin
quan nhiuhn n khchhng trongqu trnh sn xut v conngic xem
nhmtbphncasnphm.ngthi,ccsnphmdchvkhgivngcc
tiuchunvkimsotchtlnghn. Dchvcnhngctnhkhcviccsn
phmhngha:tnhvhnh,tnhkhngngnht,tnhkhngtchri,tnhkhng
cttr,tnhthiucnitrongnnglcquanh.
1.1.2.1Tnhvhnh(intangible):
Snphmcadchvlsthchin.Dchvctnhvhnhhaycncth
giltnhkhnghinhu,tnhphivtcht.Dchvkhngchnhdngcth,
khngthcnong,ommtcchcthnhiviccsnphmvtchthu
hnh.Khimuasnphmvtcht,khchhngcthyucukimnh,thnghim
chtlngtrckhimuanhngsnphmdchvthhontonvhnh.
Dchvkhngtntididngvtthnnkhngthtrngby,ngcli
khchhngcngkhngthnhnthy,cmnm,nm,s,ngitrckhimua,do
vynichungngitakhngbitcchtlngcadchvtrckhitiudng
n.Chthngquavicsdngdchv,khchhngmicthcmnhnvnh
gicchtlngdchv.tmkimccdchvcchtlngthamnnhu
cu ca mnh ngi tiu dng ch c th cn c vo cc du hiu chng t cht
lngdchvnhthnghiu,danhtingcanhcungcpdchv,biutng,
gichaymtvdchvcanhngngikhctngtiudngdchv,
hoc qua thng tin qung co, gii thiu dch v. Cng v dch v c tnh khng
hinhunn chc th tn ti dihnh thc bquyt kinhdoanhm khng th
ccpbngsngch.
1.1.2.2Tnhkhngngnht(heterogeneous):
Cht lng dch v thng khng ng nht v kh xc nh v cc sn
phmdchvphthucvongicungcpchng,honcnhtoradchv.Dch
vccungcpkhcnhautngthiim,tythucvocchthcphcv,nh
cungcpdchv,nhnvinphcv,itngvaimphcv.Vvy,vic
nhgichtlnghonhohayyukmkhcthxcnhdavomtthc
ochunmphixtnnhiuyutlinquankhctrongtrnghpcth.
Vchtlngdchvphthucrtnhiuvoccnhntkhngkimsot
c nh: thi gian, a im, i tng phc v, mi trng, iu kin cung
ngnnnhnchung,gnnhkhngthcungngdchvhontongingnhau,
cngkhngthchcchncliudchvcgiaophhpvidchvc
t k hoch v c cng b. Cng v c im ny m dch v mang tnh d
hng,nhcungcpdchvkhngthkimtrachtlngtrckhicungngm
chcncchlm ngtuvlmngmilc.Do,viccungngdchvv
thamnkhchhngtythucnhiuvohotngcanhnvin.Nhnvinc
vaitrvnhhngrtlnnktqudchv,vvyhotngcanhnvin
thngckhchhngthmnhkhinhgidchv.
1.1.2.3Tnhkhngthtchri(inseparable):
Dchvkhngthphnchiagiagiaionsnxutvtiuth.Mtdchv
ctiudngkhinangctoravkhingngqutrnhcungngcngng
nghavivictiudngdchvydngli.Snxutvtiudngdchvxyra
ngthi,khngthtchri,thiumtnythskhngcmtkia.Scungcpv
sdngdchvdinrangthicnglcvinhau.Cngvqutrnhtiudng
snphmdchvngthiviviccungngdchv,dovykhngthduc
ccsailicadchv.
Trongqutrnhthchindchv,khchhngngthithamgiavovnh
hngnqutrnhcungcpdchv.Khchhngcngctcngvtngtc
lnnhautrongqutrnhtipnhndchv.Khchhngnhgidchvdavo
cmnhncnhncamnhrtnhiu.Dovy,chtlngdchvphthucmt
phntheotrngthitmlcakhchhng.
1.1.2.4Tnhkhngthcttr(unstored):
Dchvcsdngkhitothnhvktthcngaysau.Dovy,dchv
nichunglkhngthlutrcnhccsnphmhngha,nghalsnphm
dchvkhngthsnxutsnriluvokhochtiuth,cngkhngthmuai
bnlihoctisdng.Vvy,vicsnxuthaycungngdchvviquymln
rtkhkhn.Snphmdchvcngkhngthhontr,thuhihaybnli.Nu
khch hng khng hi lng, h c th c hon tin nhng khng th hon li
cdchv.
1.1.2.5Tnhthiucnitrongnnglcquanh(lackofsymmetryinthepower
relationships):
Vicsnxuthaycungngdchvviquymlnrtkhkhn.Trongkhi
,mcbtnhtrongnhucudchvcaohnsnphmhuhnhnhiunnrt
khngbhacungvcudchv.
1.2CHTLNGDCHV
1.2.1Khinimchtlngdchv
Trongchinlccnhtranhvtmkimlinhun,cccngtyrtchtrng
n cht lng snphm. Trong lnh vcdchv, ccnhnghin cu cngngy
cngquantmnlnhvcnghincuvchtlngdchv.Snphmdchv
ccungcp thngquamtlotcchotnggiaotipvtngtcvikhch
hng.Dovy,chtlngdchvlmtyutrtquantrngivikhchhng.
cimnibtcadchvlkhchhngchcthnhgictonbcht
lngcanhngdchvsaukhimuavsdngchng.
Cht lngdch v cnhiu cch nhngha khc nhau ty thuc vo i
tngnghincuvmitrngnghincu.Victmhiuchtlngdchvlc
schovicthchinccbinphpcithinchtlngdchvcadoanhnghip.
V vy, vic nh ngha cht lng dch v khng ch quan trng trong vic xy
dngmctiuphttrinmcnnhhngchodoanhnghipphthuycth
mnhcamnhmtcchttnht.TheotiliuhngdnTCVNISO9001:2000,
chtlngdchvlmcphhpcasnphmdchvsoviccyucura
hocnhtrccangimua.Xtmtcchtngth,chtlngdchvbaogm
nhngcimsauy:
Tnhvttri(transcendent):
ivikhchhng,dchvcchtlngldchvthhinctnhvt
tricamnhsovinhngsnphmkhc.Snhgivtnhvttricacht
lngdchvchunhhngrtlnbicmnhntphangitipnhndchv.
Chnhsuvitnylmchochtlngdchvtrthnhthmnhcnhtranhca
ccnhcungcpdchv.
Tnhctrng(specific):
Tngthnhngmtctlivtinhtynhtkttinhtrongqutrnhcungcp
dchvtonntnhctrngcachtlngdchv.Dovy,ccsnphmdch
vcaocpthnghmchanhiuntctrnghnsovidchvcpthp.Chnh
nhnhngctrngnymkhchhngcthphnbitcchtlngdchv
cadoanhnghipkhcviithcnhtranh.Quanhnycnghartlni
vi vic nh gi cht lng dch v t pha khch hng trong cc hot ng
marketing.
Tnhthamnnhucu(satisfiable):
Dchvtoranhmpngnhucukhchhng.Dovy,chtlngdch
vnhtthitphithamnnhucukhchhngvlynhucukhchhnglmc
s ci thin cht lngdch v. Nu khch hng cm thy dch vkhng p
ngcnhucucamnhthhskhnghilngvichtlngdchvmh
nhnc.Trongmitrngkinhdoanhhini,cimnycngtrnnquan
trnghnvccnhcungcpdchvphilunhngnnhucukhchhngv
cgnghtmnhpngccnhucu.Slvchvkhngcchtlng
nucungcpccdchvmkhchhngnhgilkhngcgitr.Nhvy,cht
lngdchvhnhthnhtkhidoanhnghipbtunmbtnhucucakhch
hng.
Tnhcungng(supplyled)
Nutnhthamnnhucubchiphibitcngcayutbnngoith
tnhcungngbchiphibinhngyutniti.Chtlngdchvgnlinvi
qu trnh thc hin, chuyn giao dch v n khch hng. Do , vic trin khai
dchv,phongthiphcvvcchthccungngdchvsquytnhmc
chtlngdchvcaohaythp.ylnhngyutbntrongphthucvonng
lccanhcungcpdchv.Vvy,nngcaochtlngdchv,trchtnh
cungcpdchvcnphibitcithinnhng yutnitinytonnnng
lcvthmnhluditronghotngcungcpdchvchokhchhng.
Tnhtoragitr(valueled)
Chtlngdchvgnlinviccgitrctoranhmphcvkhch
hng. Dch v khng sn sinh ra gi tr no ht c xem nh l khng c cht
lng.Doanhnghiptoragitrvkhchhnglitngtipnhnnhnggi
tr.Vvy,vicxemxtchtlngdchvhaycthhnlccgitremli
chokhchhngphthucvonhgicakhchhngchkhngphicadoanh
nghip.Thngthng,khchhngnnhnnhnggitrdchvmanglivso
snhchngvinhngghmongisnhnc.Do,tnhtoragitrca
cht lngdch v cngb chiphinhiubi cc yu tbn ngoi (khchhng)
hnlniti(doanhnghip).Dchvcchtlngcaoldchvtoraccgitr
khngchpngnhucukhchhngmcnvthnhnccmongmunca
khchhngvlmchodoanhnghipnibthnithcnhtranh.Nhvy,tnh
toragitrlcimcbnvlnntngchovicxydngvphttrincht
lngdchvcadoanhnghip.
1.2.2Ccyutquytnhchtlngdchv
Trongkhiolngchtlngsnphmhuhnhgnnhkhngcg
bnlunvqucthth olngchtlngdchvliukhngddng.c
nhiunhnghincuaracccchtipcnvthangokhcnhauchokhinim
ny,nhngchonngynayvnchaccutrliy.Skhkhn,phctp
nybtnguntccctnhkhcbitcadchvsovisnphmhuhnh.Qu
trnhnhnbit/nhndngquanimcakhchhngvchtlngdchvbtu
vivicxcnhnhucucakhchhnghocccyutcachtlng.Tuymt
vi yu t cht lng c khiqut ha v phbin nhiu loi hnh dch v,
nhngmtviyutchtlngchpdngmtsloihnhdchvcth.Do
cht lngdch vco lngbinhiuyu t nn vicnhnnh chnh xc
ccyutnyphthucvotnhchtcatngloihnhdchvcth.
Cnhiutcginghincuvnnynhngphbinnhtvcbit
nnhiunhtlcctiuchnhgichtlngdchvcaParasuramanvcng
s(Parasuramanetal).
Parasuramanetal(1985)ara10yutquytnhchtlngdchv:
(1)ShuhnhTangibles
(2)Stincy Reliability
(3)HiuquphcvResponsiveness
(4)NnglcchuynmnCompetence
(5)KhnngtipcnAccess
(6)ncn Courtesy
(7)ThngtinCommunication
(8)Tnnhim Credibility
(9)TnhantonSecurity
(10)Thuhiu Understandingthecustomer.
Sau,Parasuramanetal(1988)tiptckhiquthathnh5yutc
thhnnhsau:
(1)Stincy Reliability
(2)HiuquphcvResponsiveness
(3)ShuhnhTangibles
(4)Smbo Assurance
(5)Scmthng Empathy.
Trncsnghincuvchtlngdchv,ngthikthahcthuyt
caParasuramanetal,JohnstonvSilvestro(1990)cngckt5yutkhc
cachtlngdchvbaogm:(1)Sncn Helpfulness(2)Schmsc
Care(3)Scamkt Commitment(4)Shuch Functionality(5)Shon
hoIntegrity.
Cngvonm1990,C.Grnroostinhnhnghincuvara6yut
olngchtlngdchvnhsau:(1)Tnhchuynnghip Professionalismand
skills(2)PhongcchphcvncnAttitudesandbehaviour(3)Tnhthuntin
Accessibilityandflexibility(4)Stincy Reliabilityandtrustworthiness(5)
S tn nhim Reputation and credibility (6) Kh nng gii quyt khiu ni
Recovery.
Sureshchandaretal(2001)cngara5 yutnhhngnchtlng
dchvbaogm:(1)YutdchvctliCoreservice(2)Yutconngi
Humanelement(3)YutkthutNonhumanelement(4)Yuthuhnh
Tangibles(5)YutcngngSocialresponsibility.
Ccyutolngchtlngdchvrtadngcxcnhkhcnhau
tythucvolnhvcdchv.Vvy,cctiliunghincucnuratrny
lcsthamkhochovicxcnhcthccyutquytnhchtlngdch
vtronghotngkinhdoanhngnhng.
1.3MHNHCHTLNGDCHV
1.3.1MhnhSERVQUAL(Parasuramanetal,1985:1988)
Parasuraman,Zeithaml&Berry(19851988)cxemlnhngtcgiu
tinnghincuchtlngdchvmtcchcthvchititvivicaram
hnhkhongcchtrongchtlngdchv.ylmhnhnghincuchtlng
dchvphbinvcpdngnhiunhttrongccnghincumarketing.Theo
Parasuraman et al, cht lng dch v khng th xc nh chung chung m ph
thucvocmnhncakhchhngividchvvscmnhnnyc
xem xt trn nhiu yu t. SERVQUAL xem xt hai kha cnh ch yu ca cht
lng dch v l kt qu dch v (outcome) v cung cp dch v (process) c
nghincuthngqua22thangocanmtiuch:
(1)Stincy Reliability
(2)HiuquphcvResponsiveness
(3)ShuhnhTangibles
(4)Smbo Assurance
(5)Scmthng Empathy.
utin,Parasuramanetal(1985)giithiumhnhphntchkhong
cch (GAP Analysis Model). M hnh ny c 10 thnh phn,o theo thang im
Likertolngringbitnhngmongivcmnhnthctcakhchhng
vchtlngdchv.T,olngcachtlngdchvcthchinbng
tnhtonccimskhcbitcmnhnvmongitrongmiyuttngng:
(1)ShuhnhTangibles(2)Stincy Reliability(3)Hiuquphcv
Responsiveness(4)NnglcchuynmnCompetence(5)Khnngtipcn
Truynming
Nhucucnhn
Kinhnghim
Thngtinbnngoi
cachtlng
(wordofmouth)
(personalneeds)
(pastexperience)
(externalcommunication)
dchv:
1.Shuhnh
2.tincy
3.Hiuquphc
v
4.Nnglc
chuynmn
5.Tipcn
Chtlng
kvng
6.ncn
7.Thngtin
Chtlng
8.Tnnhim
dchv
9.Anton
10.Thuhiu.
Chtlng
cmnhn
Mcthngxuynvthigiansdngdchv:nukhchhngs
dngdchvcngthngxuynvcthigiansdngdchvcng
dithkhongcchcxuhngthuhp.
Miloihnhdchvcnhhngkhcnhaunkhongcchgiacht
lngkvngvchtlngcmnhncakhchhng.
Chtlngkvngthngbnhhngbitnhthctcakhchhng
haynhnthccakhchhngvtnhkhthicacckhacnhdchv.
Thi,tml(thngccdatrnnhngkinhnghimttrc)c
thlmgimbtsmongitphakhchhng.
Cmnhn v mcquan trng ca khchhngi vi cc khacnh
dchv(vdkhchhngcngcntitkimthigianscngcmthy
hilngkhidchvcthchinnhanhchng).
Nhngthangocamhnhnghincubanudatrn10thnhphnca
chtlngdchvbaoquthuhtmikhacnhcadchv.Tuynhin,thango
cho thy cs phc tp trongo lng, khngt gi tr phnbittrongmt s
trng hp. Sau khi kim nh li bng nghin cu nhn t, Parasuraman et al
(1988)hiu chnh li thnhmhnh cht lngdch v (Service Quality Model
SERVQUAL) qua vic kthp v chnlcli thango cn5 thnhphn vi22
binquanst,cthnhsau:
*ShuhnhTangibles:
Shuhnhchnhlsthhin,hnhnhbnngoicacsvtcht,cng
c,thitbvvtliu,mymc,phongcchcaingnhnvin,tiliu,sch
hng dn, h thng thng tin lin lc. y l nhng nhn t mi trng
(environmental factors). Ni mt cch tng qut tt c nhng g khch hng nhn
thytrctipcbngmtvccgicquanucthtcngnyutny:
Csvtchty
Nhnvinchuynnghip
Trangthitbhini
Cchspxp,btrtinlichokhchhng
*Stincy Reliability:
S tin cy ni ln khnng cungng/thc hindch vphhp, chnh xc,
nggivuytn,ngvinhngg camkt,hahn.iunyihisnht
quntrongvicthchindchvvtntrngcccamktcngnhgilihavi
khchhng.Tiuchnycolngbiccthango:
Nhcungcpdchvthchinngngaytlnu
Nhcungcpcungngdchvtithiimmhha
Nhnvindchvlunsnsngphcvkhchhng
Nhcungcpluncungcpthngtinnchokhchhngyvkp
thi
*Hiuquphcv Responsiveness:
y ltiucho lngmcmongmun v khnng giiquyt vn
nhanhchng,phcvkhchhngmtcchkpthi,xlhiuqucckhiuni,
sn sng gip khch hng v p ng cc yu cu ca khch hng. Ni cch
khchiuquphcvlsphnhitphanhcungcpdchvivinhngg
mkhchhngmongmun,cthnh:
Nhnvindchvsnsnggipkhchhng
Nhcungcpdchvcungcpdchvnhanhchng,kpthi
Nhcungcpphnhitchccccyucucakhchhng
Nhcungcpluncgnggiiquytkhkhnchokhchhng
*mboAssurance:
yl yuttonnstnnhim,tintngchokhchhngccmnhn
thngquakinthc,chuynmn,sphcvchuynnghip,khnnggiaotiptt
vphongcchlchthipcanhnvinphcv,khnnglmchokhchhngtin
tng.Nh,khchhngcmthyyntmmikhisdngdchv:
Nhcungcpdchvthchindchvchnhxc,khngcsaist
Nhnvinphcvkhchhnglchthip,nhnhn
Chngtgiaodchrrng,dhiu
Nhcungcpdchvluncungcpthngtindchvcnthitchokhch
hng
*ScmthngEmpathy:
S cm thng chnh l squan tm, chm sc khchhng n cn,dnh cho
khchhngsixchuottnhtcth,giptngkhchhngcmthylun
cntipnnghumilcmini.Yutconngilphnctlitonn
s thnh cngnyv s quan tmcanh cung ngdch v i vi khchhng
cngnhiuthscmthngscngtng:
Nhnvindchvchnnhucucatngkhchhng
Khchhngkhngphichilucphcv
Khchhngcgiaodchnhngaimthuntin
Hthngthitbhinivdsdng
Nhnvindchvluncthinimnvncnvikhchhng
Nhngthnhphnnyskhcnhauvmcquantrngtythucvoloi
hnhdchvcth,chnghnstincy(reliability)quantrnghnividch
vngnhng,scmthng(empathy)quantrnghnividchvytvchm
scsckhe.
MhnhSERVQUALcxydngdatrnquanimchtlngdchv
cmnhnlssosnhkhongcchgiaccgitrkvng/mongicakhch
hng(expectations)vccgitrkhchhngcmnhnc(perception),dovy
m hnh SERVQUAL cn c tn gi khc l mhnh5 khong cch cht lng
dchv.
Hnh1.2NmkhongcchchtlngdchvcamhnhSERVQUAL
(Parasuramanetal,1988)
Dchvkvng(expectedservice)
Khchhng
Khongcch(5)
Dchvcmnhn (perceivedservice)
Khongcch(4)
Khongcch(1)
Chuyngiaodchv(servicedelivery)
Khongcch(3)
Thngtin nkhchhng
(externalcommunications
tocustomers)
Chuyn icmnhnthnhtiuchchtlng(translation
ofperceptionsintoservicequalityspecifications)
Khongcch(2)
Nhnthcvkvngcakhchhng(management
perceptionsofconsumerexpectations)
Cngty
Khongcch[1]lsaibitgiakvngcakhchhngvcmnhnca
nh cung cp dch v v k vng . S din dch k vng ca khch hng khi
khnghiuthuoccctrngchtlngdchv,ctrngkhchhngtora
saibitny.
Khongcch[2]ctorakhinhcungcpgpcckhkhn,trngi
khchquanlnchquankhichuyncckvngccmnhnsangcctiuch
cakhchhngvchtlnglmthmcanhngcmnhnnhgicakhch
hngvdchvdatrnbakhacnhchyuvskhcbitgianhngnhgi
nyvinhngmongivdchvcakhchhng:
* Cht lng k thut (Technical Service Quality): Nhng g m dch v
mangnchokhchhng(theoutcomesgeneratedbytheservicetothecustomers),
ylktqucaqutrnhtngtcgiakhchhngvinhcungcpdchv.
* Cht lng chc nng (Functional Service Quality): Qu trnh cung cp
dchvnkhchhng(theprocessofservicedeliverytocustomers),iunylin
quannvic cungcpdchvdinratheocchthcnhthno.
*Hnhnhcacngty(CorporateImage):Cchnhnnhncakhchhng
i vicng ty(howthe customers view thecompany),y l cht lcnhng g
nhhng,tcngnscmnhnvhotngcacngty,hnhthnhtrong
tmtrkhchhngchyuthngquatruynthngvkinhnghimcakhchhng.
Hnh1.3MhnhPerceivedServiceQuality(Grnroos,2000)
Chtlngdchv cmnhn
(Perceivedservicequality)
K vng
Triqua/Kinhnghim
(Expectations)
(Experiences)
Hnhnh
Thngtinthtrng(market
communications)
(Image)
Hnhnh(image)
Truynming(wordofmouth)
Nhucukhchhng(customer
needs)
Kinthckhchhng
(customerlearning)
Ktqu/Chtlng
k thut
(Outcome/Technical
quality:What?)
Qu trnh/Chtlng
chcnng
(Process/Functional
quality:How?)
1.3.3.1Chtlngkthut
ylchtlngkhchhngnhncthngquavictipxcvidoanh
nghip.Chtlngkthutlktqucaqutrnhtngtcgiadoanhnghipv
khchhngmdoanhnghipcungcpdchvvkhchhngtipnhndch
v.C5tiuchnhginhntny:
Snphmdchv
Knngchuynmn
Trnhtcnghip
Tintchchokhchhng
Trangthitb
Ccthang ochtlngkthut:
Danhmcsnphmdchvmang nchokhchhng
Nhnvinctrnh chuynmngii
Nhnvinckhnngthchindchvchnhxcvnhanhchng
Nhnvingiiphiuquccthcmccakhchhng
Nhnvincth raquytnhnhanhchngvgiiquytthang
cckhiunicakhchhng
Nhcungcprtquantmnnhucucakhchhng
Nhcungcplunluncungcpyvnhanhchngccchdn
cn thit, thng xuyn thng tin cho khch hng bit v tin trnh
cngnhktquthchindchv
Nhcungcpdchvlunbomtthngtinkhchhng
Trang thitb,h thngmymchini v cb trthun tin
chokhchhng
Lunchthngdphngmbochohotngdchvkhng
bginon
Ccchngtgiaodchvtiliulinquanrrng,khngcsaist
Hthngtruycpthngtindsdng
Thngtinlinlcthngsutvddng, hthnglutrtt
1.3.3.2Chtlngchcnng
Chtlngchcnngthhinqutrnhthchindchvcadoanhnghip,
phnnhvicdchvccungcpnhthno.Trongtngquangiahaikha
cnhchtlngnitrnthchtlngchcnngngvaitrquantrnghnc
thhinthngqua7tiuchsau:
Sthuntintronggiaodch
Hnhvi ngx
Thiphcv
Cngtctchcdoanhnghip
Tipxckhchhng
Phongthiphcv
Tinhthnttcvkhchhng
Ccthangochtlngchcnng:
aimgiaodch,thchindchvthuntinchokhchhng
a im thc hin dch v lun bo m sch s, an ton v c
thitkhpdn
Cchbtrtrangthitbtini giaodch,thchindchvpmt
Cctiliu,schnhgiithiuvdchvrtcunht
Ccchngtgiaodchcthitkkhoahcvdhiu
Thigianphcvhplvthuntin
Nhnvindchvtocstnnhimvtintngnikhchhng
Nhnvinrtsnsngphcvkhchhng
Nhnvingipkhchhngrttntnh
Nhnvinrtchuynnghipvncnvikhchhng
Nhnvindchvnmclchthipvntng
Nhnvindchvtrliinthoinhanhchng
Nhnvindchvthngxuynlinlcvikhchhng
Nhqunlvnhnvindchvlungnbvonktvinhau
Nh cung cpdch vlunquan tmnquynli nhn vin vc
chinghpl
Nhcungcpsnsnglngnghekinnggpcakhchhng
Nhcungcpdchvduytrnhkccbuigpgkhchhng
ghinhnshptcvlngnghekincakhchhng
Nhcungcplunxemquynlicakhchhngltrnht
Nhcungcpcchnhschlinhhottheoyucucakhchhng
Nhcungcplunthchinngnhngcamktvikhchhng
1.3.3.3Hnhnhdoanhnghip
Hnh nh doanh nghip l cm nhn, n tng chung ca khch hng v
doanhnghip.Khchhngnhgihnhnhdoanhnghipkhngnhngthngqua
cm nhn ca h i vi chnh doanh nghip, m cn so snh hnh nh doanh
nghipviccithcnhtranh khc,tuynhinmcnhhngnhiuhayt
phthucvotngdoanhnghipcth.Nudoanhnghiptochnh nhtt
trong lng khch hng th h s d dng hn trong nh gi cht lng dch v,
KTLUNCHNGI
ChngInunhngkhinim,ctnhcadchvvnhngkhinim
vchtlngdchv,ngthigiithiuccmhnhchtlngdchvphbin
cthsdng lmcschonghincu.
1.Dchvnhngcngvic,qutrnhvnhnghotng nhmtoragitr
sdng,lmthamnnhucusnxut,kinhdoanhvsinhhotcakhchhng.
Dch v c nhng c tnh khc vi cc sn phm hng ha: tnh v hnh, tnh
khngngnht, tnhkhng tch ri, tnh khng ct tr, tnh thiu cni trong
nnglcquanh.
2.Chtlngdchvcnhiucchnhnghakhcnhautythucvoi
tngnghincuvmitrngnghincu.Mtcchchungnht,chtlngdch
vlmcphhpcasnphmdchvsoviccyucurahocnhtrc
cangimua.Chtlngdchvbaogmnhngcim:tnhvttri,tnh
ctrng,tnhthamn,tnhcungng,tnhtoragitr.Ccyutolngcht
lngdchvrtadngcxcnhkhcnhautythucvolnhvcdchv.
3.ivihotngkinhdoanhngnhng,ccmhnhchtlngdchv
ph bin c th s dng lm c s cho nghin cu l m hnh SERVQUAL
(Parasuraman etal, 1985:1988), SERVPERF(Cronin& Taylor,1992)vPSQM
(Grnroos,1984:2000).
ChngII
THCTRNGCHTLNGDCHVTICC
CHINHNHNGNHNGUT&PHTTRIN
VITNAM(BIDV)TRNABNTP.H CHMINH
NgnhngKinthitVitNam(tngy26/04/1957):
cthnhlpvinhimvcppht,qunlvnkinthitcbntngun
vnngnschchottcccclnhvckinht,xhi.Nhiucngtrnhcngha
cbitthikcxydngnh:HthngithynngBcHngHi,
khu cngnghip Vit Tr, gang thp Thi Nguyn,m than Qung Ninh,nhmy
phnmHBc,superphtphtLmThao,nhmycngcs1,dt8/3,10/10,
thyinThcB,nhitinUngB...
Ngnhngut&XydngVitNam(tngy24/06/1981):
NgnhngKinthitVitNamcitnthnhNgnhngut&Xy
dng Vit Nam, trc thuc Ngnhng Nhnc Vit Nam. Nhim v ch yu l
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kinh t theo khochnhnc,mbo cungngvnlung cho cc tchc
xylp.y cngl thi kngnhng cbc chuyn mnh theo nhhng
ca snghipimi ca c nc, tngbc tr thnhmttrong cc ngnhng
chuyndoanhhngutrong nnkinht.
Ngnhngut&PhttrinVitNam(tngy14/11/1990):
Thik19901994:Ngy14/11/1990,theoQuytnhs401/CTHBT
caChtchHingBtrng,Ngnhngut&XydngVitNamc
itnthnhNgnhngut&PhttrinVitNam.ylthikchuyni
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vy,nhimvcaBIDVcngthayi:nhnvnngnschchovayccdn
thuckhochnhnc,huyngccngunvntrungdihnchovayut
vphttrinkinhdoanhtinttndngvdchvngnhngchyutronglnh
vcxylpvut.
T ngy 01/01/1995: y l mc nh du s chuyn i c bn ca
BIDV, c php kinh doanh a nng tng hp nh mt ngn hng thng mi,
phcvchyuchoutphttrin:
*Thuyngngunvn:BIDVchngtrongvicpdngcchnhthc
huyngngunvnbngVNvngoit.Ngoivnhuyngtrongnc,BIDV
cnhuyngvnncngoi,thngquanhiuhnhthcnhvaythngmi,vay
hp vn, vay quahnmc thanh ton, theocc hipnhthngmi, vayti tr
xutnhpkhu,ngtitrvbolnh...
*Phcvchoutphttrin:BIDVtptrungchovaynhngchngtrnh
ln, nhng d n trngim, cc ngnh then cht cann kinh t nh: in lc,
buchnh vinthng,xydng,cngnghipvtliuxydng,dukh...
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nthiimhinnay,BIDVlmttrongsnhngngnhngthngmi
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Khingnhngthngmi:
o Hischnh:gm21Ban,4Trungtmv6nvtrcthuc.
o Mnglichinhnh:gm3Sgiaodch,105Chinhnh,253Phng
giaodch,105imgiaodchv45Qutitkimhotngphrng
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Khicngty:CngtybohimBIDV(BIC),CngtychothutichnhI
(BLCI),CngtychothutichnhII(BLCII),Cngtyxln&khaithctisn
(BAMC),Cngtychngkhon(BSC)
Khinvsnghip:trungtmcngnghthngtin,trungtmoto
Khi lin doanh: VIDPublic Bank, NHLD Vit Lo, NHLD Vit Nga
(VRB),CngtyLDthpBIDV,CngtyLDqunlquutVietnamPartners
(BVIM)
Khi u t: Qu cng nghip & nng lng VN, CTCP Bt ng sn
BIDV,CTCPuttichnhBIDV(BFC)vccnvcvngpcphnca
BIDVnh:TCTCPXydnginVitNam,CTCPChothumybayVN,CTCP
ti chnh chuyn mch quc gia Banknet, CTCP T&PT Bc Thng Long, CTCP
Thitb Buin, CTCP in lcdukh,CTCP GasPetrolimex, CTCPCh to
ginkhoandukh
Hnh2.1TngtisncaccngnhngthngmihngdutiVitNam
500,000
400,000
300,000
2008
2007
2006
200,000
100,000
Agri
BIDV
VCB
Vietin
ACB
Sacom Techcom
Ngun:Bocothng4/2009(BanThngtinQunl&HtrALCO BIDV)
Young (2002 2008). Nm 2006, BIDV cng l ngn hng u tin thu t chc
nhhnghnguthgiiMoodysInvestorServicesLtd.thchinnhhngtn
nhimchoBIDV.McxphngtichnhlE+,trinvngphttrinnnh.Cc
ch s xphng khcutmc trn qucgia (BA1/B1 xphng tin gini
t/ngoi t, BA1/BA2 xphng nh phthnh). Trong 3 nm tr li y, BIDV
lunctchcTUVNordvQuacertchngnhnchthngqunlchtlng
ttiuchunchtlngISO9001:2000.
2.1.1.2KtquhotngcahthngBIDV
Tkhong2nmtrliy,nnkinhtVitNamtriquanhiubinng,
tmclmphttngcaonm2007kthpvinhngyutbtlikhccami
trngkinhtquctchonnhhngcasuythoikinhtvkhnghongca
thtrngtichnhtoncunm2008nnay.Ttcccdoanhnghipubnh
hnglnbinhngkhkhntrnthtrng,ltcngtiucccamctng
chsgivonhngthngcuinm2007,unm2008vsxungdcnhanh
chngcamccuhnghadchvtronggiaiontcuinm2008.Hotng
ngnhngnichungvhotngkinhdoanhcaBIDVniringcngbnhng
nhhngsusc,tuyvyBIDVvnkhngnhlngnhng/itctincyca
doanhnghip,vicamktChiaschi,hptcthnhcngvicngngcc
doanhnghipVitNam.
BIDVtiptcphthuy vaitr ututrongphcvchoutphttrin
bngvicthitlpquanhvi82/104tponkinht,tngcngtytrong
thchinkktccthathunhptctondinvi24tpon,tngcngtyln
nh: Vietnam Airlines, Petro Vietnam, VNPT, Viettel, Vinacomin, Vinafood II,
TCT Sng , EVN, Vinalines, Vinashin BIDV khng nhng ngy cng nng
caouytnvcungngccsnphmdchvngnhngngbchonnkinhtm
ngthicnkhngnhgitrcathnghiuBIDVtronglnhvcphcvcc
dn,chngtrnhlncatnc.Bncnhtngcngccquanhhptcvi
cccngtylnvkhidoanhnghipnhnc,BIDVcngchtrngnvic
mrngkhchhngldoanhnghipngoiqucdoanh,doanhnghipcvnu
tncngoi,ccdoanhnghipvavnh.NnkhchhngcaBIDVadng
hncvloihnhshuvngnhngh,ccculitheohnghpl,gim
btttrngchovaytrungdihn,chuynsangtptrungnhiuhnchocckhon
tndngngnhnvcungcpccsnphmdchvngnhnghininhmtng
thu dch v trn tng ngun thu ca ngn hng. C cu hot ng khng ngng
ccithintheohngchtrngvchtlng,nngcaokhnngsinhliv
hiuqukinhdoanh.
Ccchtiutichnhcbnnhngnmgnyt2005n2007c
kimtontheoc2chunmcVASvIFRSuchothyquymtisncngnh
hiuquhotngcaBIDVttctngtrngcaotrongthigianvaqua.
Bng2.1
CcchtiutichnhcbncaBIDVckimtontnm2005n2007
vt:tng
2007
VAS
2006
2005
2007
IFRS
2006
2005
204.511
161.223
121.403
201.382
158.164
117.976
113.612
85.747
141.857
113.612
85.747
131.984
98.639
85.434
131.984
98.639
85.434
4.Tlnxu
3,8%
11,93%
N/A
3,98%
9,6%
N/A
5.Linhuntrcthu
2.028
1.112
382
2.103
650
296
6.Vnchshu
11.635
7.551
6.499
8.405
4.428
3.150
7.ROA
0,99%
0,69%
0,31%
1,04%
0,41%
0,25%
8.ROE
17,43%
14,73%
5,88%
25,02%
14,68%
9,40%
9.CAR
9,2%
9,1%
6,9%
6,7%
5,7%
3,4%
Chtiu
1.Tngtisn
3.Dnchovay
Ngun:Boconm2007(BanKhochPhttrin BIDV)
Nm2008,nnkinhtnctagpnhiukh khndochsgitiudng
tngcao, Chnhphphi trin khainhiu binphp mnh kimchmc tng
gi.Trongtnhhnhchungnhvy,hotngcahthngngnhngtrongnm
2008gpnhiukhkhndokhnnghuyngvnhnch,ccNHTMphithc
hinchnhschtintthtchttheoiuhnhcaNHNN(mclisutcbnlin
tctng,nhimlnti14%nm),hotngsnxutkinhdoanhcaccdoanh
nghiplkhchhngcaccngnhngugpkhkhnTrongiukinmi
trngkinhtcnhiu bin ngnhvy, BIDVcngbnhngnhhngnht
nh,nhngbngs linhhottrongchoiuhnhcaBanlnh ovsn
lc ca tp th CBCNV, hu ht cc ch tiu k hoch ch yu u c hon
thnh,cbitlccch tiuchtlnghotngvhiuqukinhdoanh.Nm
2008,BIDVtquym tngtrngkh,hpl,mbogicvthtrnth
trngtichnhtint,ngthigpphnclcvovicthchinchnhsch
tichnhtintcaChnhphthngquaschng,tchcctrinkhaingb
nhmgiiphpcaChnhphvkimchlmpht,ninhkinhtvm,tng
trngbnvngmboansinhx hicngnhchngsuygimkinht.
Bng2.2CcchtiutichnhcbncaBIDVnm2008
vt:tng
1.Tngtisn
246.330
2.Huyngvnbnhqun
158.466
3.Dnchovay
149.919
4.Tlnxu
5.Linhuntrcthu
4,31%
2.307
6.Vnchshu
12.458
7.ROA
0,75%
8.ROE
13,6%
9.CAR
8,64%
Ngun:Boconm2008caBanKhochPhttrin BIDV
Tngtisn
300,000
250,000
200,000
150,000
100,000
50,000
0
Nm 2001
2002
T VND
2003
2004
2005
2006
2007
2008
2006
2007
2008
Chovaykhchhng
160,000
140,000
120,000
100,000
80,000
60,000
40,000
20,000
0
Nm 2001
2002
2003
2004
2005
T VND
Ngunvnch shu
14,000
12,000
10,000
8,000
6,000
4,000
2,000
0
Nm 2001
2002
2003
T VND
2004
2005
2006
2007
2008
2006
2007
2008
2006
2007
2008
Huyngvn
180,000
160,000
140,000
120,000
100,000
80,000
60,000
40,000
20,000
0
Nm 2001
2002
2003
T VND
2004
2005
Linhun
2,500
2,000
1,500
1,000
500
0
Nm 2001
2002
2003
2004
2005
(*)Sliu2001 2007theochunmckimtonquctIFRS
Ngun: sliunm2001 2006(BocothngninBIDVnm2006)
sliunm 2007 2008(BanKhochPhttrinBIDV)
2.1.1.3HotngdchvvnhhngkhchhngcaBIDV
Tnm2005trliylgiaionnhdubcchuynmitronghot
ngkinhdoanhdchvcaBIDV.VivictchcthnhcngHinghdchv
nm2005,nhnthcvvaitrcahotngdchvtronghotngkinhdoanh
ngnhngca ccn v t Hi s chnhn ccchinhnh cnhng chuyn
bintchcc, l yu tquantrngquyt nhn ktqu cahotngdch v
trongthigianquacaBIDV:
(i)HotngdchvcatonhthngBIDVcnhngbctngtrng
tphthhintrnccmt:
* Hiu qu kinh doanhdch v tng ln r rt vi tc tng trng bnh
quntrong3nm20052008l75%/nm,tngcaosovigiaion20002004
(tng trng bnh qun 24%/nm), t trng thu dch v rng trong tng thu nhp
rngthotngkinhdoanhcangnhngtngt26%nm2005,29%nm2006
ln36%nm2007.Thudchvrngnm2007vnlnngth2 trongs
ccNHTMvhotngdchv(timcnviVietcombanklngnhngcthu
dchvcaonht).Nm2008,thudchvrngt1.953tnggp2,19lnso
vinm2007.Ttrngthudchvrngtrongtngthunhprngchimn43%.
KtqunyaBIDVlnutinnguhthngNHTMvktquhot
ngdchv.
* T l thu dch v rng bnh qun/CBCNV tng kh cao, nm 2007 tng
124%sovinm2005.Mngliccknhphnphikhngngngccngc
vmrngvivicmrngmngliccchinhnht90chinhnhnm2005
n108 chinhnh hinnay(bao gm3 S Giao dch) ccknhphnphi ngn
hng hin i c pht trin mnh, t 200 my ATM vo nm 2005, n
30/04/2009tonhthngc994myATM,thmvol955POS
*Danhmcsnphmdchvngycngphongph,adng,pngc
nhucucakhchhngvyucucathtrng.Trong3nm20062008,c
26snphmdchv,tinchmictrinkhaitronghthng,cbitlmt
tronghaingnhngutincaVitNamtrinkhaithnhcngdchvhngha
tnglaitrn02mthngcph,caosu.
(ii)Chuynbinvmtnhnthc,quanimiuhnhivihotng
kinhdoanhdchv,thhin:
*Mhnhhotngcangnhngtngbcchuynitheokhuynngh
catvndnTA1,TA2hngtheothnglquct,chuyndchccungun
thucangnhngtheohngnngcaottrngcathudchvtrongtngthunhp
cangnhng
*Thnhlpccbphnchcnngphtrchhotngdchv,hngn
tchc,iuhnhkhochkinhdoanhdchvtheosnphm
(iii)Xydngchinlchngnkhchhng,ccchinhnhBIDVbt
uquan tmn cng tcbn hng, chmsc khch hngvhng hotng
dchvtheonhhngkhchhng.
* a hot ng dch v ca cc cng tytrc thuc BIDV (chng khon,
bohim) theohngchuyn su, tng cng bn cho snphmquamng li
chinhnhngnhng.
*utlnchocngnghthngtinhtrchohotngdchv,gia
tng ng dng CNTT hin i ha ngnhng theo hng xy dng mt ngn
hngannghinidatrnhthngngnhngli,knhphnphitng
Nhiu d n trng im c trin khai, ng gp tch cc cho mc tiu tng
trng dch v c chiu rng v chiu su nng cao cht lng dch v v thm
nhiusnphm,tinchhngnkhchhng.
*Cngtcoto,hunluynCBCNVlmdchvcquantmvthc
hinthngxuynhn,ccchngtrnhotovnghipv,vmarketing,vk
nngbnhngctchchngnmchoccnvtHSCnccchinhnh,
gpphnnngcaonhnthccngnhtrnhchuynmn,nghipvcacccn
blmcngtcdchv.
*ymnhhptcviccdoanhnghiptrongvngoinctrinkhai
cchotngdchv:nnayBIDVcquanhhptcvign1.000tchc
tndngtrnthgiivquanhhptcvihuhtccTpon,Tcty lntrnc
nc.BIDVtrinkhaithnhcngccsnphmdchvngnhnglinktvi
cc nh ch ti chnh khc nh Western Union, pht hnh th tn dng quc t
(Visa),bancassurance(AIAVitNam),ymnhtrinkhaihptcvicccngty
lnnhViettel,VNPT,EVN...trongkinhdoanhdch v.
Bng2.3KtquhotngdchvcatonhthngBIDV
giaion20052007
2005
Nm
Tonh
thng
Khingn
hng
Khicc
cngty
2006
2007
Thu
DVR
(t
ng)
T
trng
trn
tng
TNR
Thu
DVR
bnh
qun*
(triu
ng)
310
26%
33
573
31%
54
299
26%
32
521
29%
10.98
50%
60
52
36%
Thu
DVR
(t
ng)
T
trng
trn
tng
TNR
Thu
DVR
bnh
qun
(triu
ng)
Thu
DVR
(t
ng)
T
trng
trn
tng
TNR
Thu
DVR
bnh
qun
(triu
ng)
85%
892
37%
74
56%
51
74%
803
36%
69
54%
233
374%
89
42%
212
71%
Tl
tng
trng
sovi
2005
Tl
tng
trng
sovi
2006
(*)Thudchvrngbnhqun/CBCNV.
Ngun:BanDchvBIDV
nycnngcpvtchratSGiaodchII(CNGianh,SiGn,NamK
KhiNgha)vCNTP.HCM(ngSiGn,TySiGn,BcSiGn)saukhi
NHNNbanhnhquynhmivmnglihotng(ccNHTMkhngcnchi
nhnhcp2,ch cchinhnh, phnggiaodch,imgiaodchv qutitkim).
CcchinhnhBIDVtiTP.HCMhinnayc43phnggiaodch,11im
giaodch (Phlc3).RingChinhnhNamKKhiNghalchinhnhchuyn
phcvchothtrngchngkhonvhotngcaSGiaodchchngkhon
TP.HCM. a bn hot ng ca cc chi nhnh phn b rng khp trn a bn
thnhph.Trongnm2008,c5nvtiTP.HCMnmtrongs30chinhnh
cng gp ln, chim70% thunhp ca tonh thng BIDV: S Giao dch II,
CNTP.HCM,SiGn,BcSiGn,NamK KhiNgha.
Bng2.4 CcchtiuhotngchyucachinhnhBIDVtiTP.HCM
vt:tng
Chtiuhotng
Nm2007
BIDV
Ton
T
ti
h
trng
TP.HCM thng
Nm2008
BIDV
Ton
h
ti
TP.HCM thng
T
trng
Huyngvnbnhqun
Huyngvncuik
Dnchovay
Tlnxu
1,83%
3.80%
Thudchvrng
3,98%
3.97%
161
808 19,92%
276
1.512 18,25%
Chnhlchthuchi
1.280
6.013 21,29%
1.049
3.734 28,09%
Trchdphngriro
203,6
1.481,5 13,74%
90,3 2.703,2
3,34%
Ngun:BanQunlchinhnh BIDV
TP.HCMlmttrungtmkinh tlnnhtcnc.Cchotngthng
mi,dchvcngsingvnggpphnquantrngchosphttrincann
kinht thnhph trongnhngthpninvaqua.CcchinhnhBIDVhotng
trnabnTP.HCMciukinthunliphttrinhot ngdchv.Nhng
nmvaqua,doanhthdchvrngcaccchinhnhBIDVtiTP.HCMuc
stngtrngkhtt.
Bng2.5 DoanhthudchvrngcaccchinhnhBIDVtiTP.HCM
vt:tng
STT
Doanhthudchvrng
Nm2007 Nm 2008
Chinhnh
Tltng
trng(%)
SGiaodchII
40.2
110.4
174,63%
BIDVChinhnhTP.HCM
63.5
70.3
4,92%
BIDVChinhnhGianh
7.9
15.6
97,47%
BIDVChinhnhSiGn
22.9
35.7
56,04%
BIDVChinhnhngSiGn
3.8
13.2
247,82%
BIDVChinhnhTySiGn
6.7
10.5
56,93%
BIDVChinhnhBcSiGn
5.8
13.2
129,55%
BIDVChinhnhNamKKhiNgha
6.9
9.2
33,05%
Ngun:BanQunlchinhnh BIDV
Donhngbinngtrnthtrngtichnhngnhng,hotngcacc
chinhnhBIDVtiTP.HCMcngbnhhngngk.Mcdvyccchtiu
hotngchyuucstngtrng.Hotngdchvcaccchinhnhti
TP.HCM cng pht trin mnh, th hin qua ch tiu thu dch v rng tng kh
nhanh. n thi im 31/12/2008 t 276 t ng, tng n 71,43% so vi cui
nm2007,chimttrng18,25%tngdoanhthudchvcatonhthng(kc
ccnvtiHischnh).Vccudoanhthudchv, ngunthutkinhdoanh
ngoitvnchimttrnglnnht(32%),bolnh(27,8%),thanhton(18,6%),
titrthngmi(10%)cnlithutccloiDVkhc:dchvphisinh,th,
ngnqu,tvn,kiuhi
Hnh2.7 Ccuthudchvrngnm2008caccchinhnhtiTP.HCM
Bolnh,
27.8%
DVkhc,3.9%
Thanhton,
18.6%
Th,1.4%
TitrTM,
10.0%
DVtndng,
2.4%
DVphisinh,
2.8%
KDngoit,
32.0%
Ngnqu,
1.1%
Ngun:BanQunlchinhnh BIDV
ivimtschinhnhhotngtrnabntrungtmthnhph,doanh
thudchvrngtmccaoquanhngnmgny.inhnhlccnvS
GiaodchII,BIDVChinhnhTP.HCM,BIDVChinhnhSiGn,BcSiGnv
Gianh.Nhnchung,mcthudchvcaccchinhnhtiTP.HCMtngtrng
nhanhquatngnmvngycngnggpttrnglntrongngunthunhpca
ccchinhnhniringcngnhcatonhthngBIDVnichung.
Bng2.62.10
ThudchvrngquaccnmcamtschinhnhBIDVtiTP.HCM
SGiaodchII
Nm
Thudchvrng(tng)
Sovi cngknmtrc(%)
Ttrngtrongchnhlchthuchi
2005
2006
2007
2008 30/4/2009
14,66
20,78
40,21 110,43
25,52
N/A 41,75% 93,51% 174,63%
17,03%
9,78% 15,67% 11,14% 24,23%
N/A
BIDVChinhnhTP.HCM
Nm
Thudchvrng(tng)
Sovi cngknmtrc(%)
Ttrngtrongchnhlchthuchi
2005
25,07
1,86%
14,14%
2006
40,22
60,43%
14,18%
2007
63,48
57,83%
15,15%
2008 30/4/2009
70,32
21,71
20,6%
10,75%
25,60%
36,72%
2005
2006
2007
5,10
10,33
22,91
N/A 102,55% 121,78%
6,90% 11,07% 23,95%
2008 30/4/2009
35,73
12,43
67,37%
55,96%
35,43%
24,31%
BIDVChinhnhSiGn
Nm
Thudchvrng(tng)
Sovicngknmtrc(%)
Ttrngtrongchnhlchthuchi
BIDVChinhnhBc SiGn
Nm
Thudchvrng(tng)
Sovicngknmtrc(%)
Ttrngtrongchnhlchthuchi
2005
2006
2007
2008 30/4/2009
0,30
2,63
5,77
13,22
7,85
91,79%
N/A 776,67% 119,39% 129,12%
20,03%
N/A 39,25% 30,86% 16,11%
BIDVChinhnhGianh
Nm
Thudchvrng(tng)
Sovi cngknmtrc(%)
Ttrngtrongchnhlchthuchi
2005
0,31
N/A
N/A
2006
2007
2008 30/4/2009
2,81
7,91
15,62
5,2
20,6%
806,45% 181,49% 97,47%
42,27%
10,14% 12,26% 34,57%
Ngnhngthngxuyngiithiuccdchvmipngnhu
cucakhchhng.
Ngnhngluncschunbtttrckhitrinkhaidchv.
Ngnhngcmcphdchvhplvcnhtranh.
Ngnhngcchnhschgilinhhot.
Khchhngctvnkhisdngccdchv.
Shuhnh(Tangibles)
Ngnhngccsvtchty.
Ngnhngctrangthitbvmymchini.
Ngnhngccchbtrpmt.
Nhnvinngnhngnmclchthipvtrngrtchuynnghip.
Ngnhngcccchngtgiaodchrrng,khngcsaist.
Ngnhngccctiliu,schnhgiithiuvdchvngnhng
rtpvcunht.
Hiuquphcv(Responsiveness)
Nhnvinngnhngcungcpdchvnhanhchngvchnhxc.
Nhnvinngnhngctrnhchuynmngii.
Nhnvinngnhngphnhitchccccyucuvthcmcca
khchhng.
Nhnvinngnhngsnsngphcvkhchhng.
Nhnvinngnhnggipkhchhngtntnh,kpthigiiquyt
thangcckhiunicakhchhng.
Nhnvinngnhngrtlchthipvncnvikhchhng.
Hnhnhngnhng(Image)
Ngnhngckhchhngtnnhim.
Hnhnhcangnhngrtquenthucivikhchhng.
Ngnhngluncoitrngquynlicakhchhng.
Ngnhngthngxuynlinlcvikhchhng.
Ngnhngccchotngmarketing,PRhiuquvntng.
Ngnhnglun lngnghe kin v ghinhn shp tc ca khch
hng.
khchhngdoanhnghipcaccchinhnhBIDVvktquphngvn,tholun
vinhnvin/lnhoccchinhnhBIDVtrn abnTP.HCMngund liu
th cp c trch t cc bo co, tham lun, tng kt, bo co thng nin ca
BIDV,thngtinbochvInternet.
2.2.2 THITKNGHINCU
2.2.2.1Nghincunhtnh
y l bc nghin cu s b sng lc li cc bin a vo m hnh
nghincu,kimtraccthangosdng,thamkhokintphaccchinhnh
BIDVvkhchhngcaBIDVvvn nghincu,quaxydngccthang
oavomhnhnghincuvthitlpbngcuhi.
2.2.2.1.1 Quytrnh
Ccbcnghincunhtnhcthchinthngquaccbuithamkho
kin t nhn vin/lnh o cc chinhnhBIDV ti TP.HCM v t khch hng
doanhnghipcaccchinhnhBIDVny.Nidungtraoitptrungvomts
cuhicchunbsndatrnnhngvnsau:
Anh/Chcthnhgikhchhngnhnxtnhthnoivichtlng
dchvdoChinhnhcungcp?
Chinhnhcnhnnhgvmongicakhchhng?
Anh/Chnhnxtnhthnovccmhnhchtlngdchv?
Anh/Chchokinvtiucholngchtlngdchvcxut.
Ccthangovchtlngdchvctrnhbychplcha?
Chinhnhsdngtiuchnoolngchtlngdchvcamnh?
Donnhucucakhchhngvdchvngnhngtrongtnglai.
Bncnh,cngcsthamgiaca10khchhnganggiaodchticc
Chinhnhcchnngunhinphngvn,quaghinhnkin nggp
canhngkhchhngny vchtlngdchvvmongmuncahivicc
snphmdchvccungcpbiccChinhnhBIDVtiTP.HCM.
2.2.2.1.2 Ktqu
Saukhitinhnhnghincunhtnh,6nhntquytnhchtlngdch
vcamhnhnghincuxutbanunhnc kinngthunrtcao.
Docthdngchobcnghincunhlngtiptheo.
Bncnh,cctiucholngchominhntchtlngdchvc
nghrtgndthchinnghincu,tptrung vocc tiuchquantrng
nht. Vvy,ccthangos ciuchnhrtgn phhphn:
Stincy
Ngnhngcungcpdchvnhcamkt.
Ngnhngthchindchvchnhxc, hunhkhngcsaist.
Ngnhng quantm nnhngvn mkhchhnggpphi.
Ngnhngbomtthngtinkhchhngvgiaodch.
Ngnhngcungcpthngtinnchokhchhngyvkpthi.
Sthuntin
Ngnhngcaimgiaodchthuntinchokhchhng.
Thtcgiaodchddngvnhanhchng.
Ngnhngcmngligiaodchrngkhp.
Danhmcdchv
Ngnhngcdanhmcdchvadngvphongph.
Ngnhngcmcphdchvhplvcnhtranh.
Khchhngctvnkhisdngccdchv.
Shuhnh
Ngnhngccsvtchty, btrpmt.
Ngnhngctrangthitbvmymchini.
Nhnvinngnhngnmclchthipvtrngrtchuynnghip.
Ngnhngcccchngtgiaodchrrng,khngcsaist.
Hiuquphcv
Nhnvinngnhngcungcpdchvnhanhchngvchnhxc.
Nhnvinngnhngctrnhchuynmngii.
Nhnvinngnhnggipkhchhngtntnh,kpthigiiquyt
thangcckhiunicakhchhng.
Hnh nhngnhng
Ngnhngckhchhngtnnhim.
Hnhnhcangnhngrtquenthucivikhchhng.
Ngnhngluncoitrngquynlicakhchhng.
2.2.2.1.3 Thitkbngcuhi
Saukhitriquabcnghincunhtnh,ccthangocxcnh
gm 21 thango ca6 nhn t tcng n cht lngdch v.Da trn c s
ny,bngcuhiiutracthitkgm8cucnidungnhsau:
o ThigiankhchhngsdngdchvtiBIDV
o Slngngnhngmkhchhnggiaodch
o Nhngsnphmdchvkhchhngsdng
o Mongicakhchhngivingnhng
o Ccnhnttcngnnhgichtlngdchvcakhchhng
o nhgichtlngdchvngnhng
o Kh nngtiptcsdngdchv
o Kinnghcakhchhng
2.2.2.2Nghincunhlng
Nghin cu nh lng c tin hnh nhm kim nh li cc thang o
trongmhnhnghincu.ylbcphntchchititccdliuthuthpc
thngquaphiuiutragichokhchhngxcnhtngquancaccnhn
tvinhauvtaraktqucthvtinghincu.
2.2.2.2.1 Quytrnh
Xcnhslngmucnthitchonghincu
Giphiuiutrachokhchhng
Linhvikhchhngtheodiktqutrli
Thunhnphnhitphakhchhng
XldliuthngquavicsdngphnmmSPSS
2.2.2.2.2 Ktqu
Cttc336bngcuhicgichokhchhngquahnhthctrctip
ti quygiao dch ca cc chinhnhBIDV, thng qua cc Phng DVKH, Phng
QHKH (262), fax(15), email (42),buin(17). i viphiuiu tra gi trc
tip,khchhngkhingiaodchtiChinhnhBIDVtrlivgilichonhn
vinlinngay.ivicchnhthccnli,nusau2tunkhngnhnc
phnhitphakhchhngthingigisgiinthoilinlcnhkhchhng
trli.c275phiuiutracthunhnlivitlphnhil55%,ttc
ccphiuthunhnuhpl.
TheonghincucaBollen,tnhidincaslngmuclachn
nghincusthchhpnukchthcmul5muchomtclng.Mhnh
nghincutronglunvnbaogm6nhntclpvi21binnnslngmu
cn thit l t105mu tr ln. Slngmudng trongnghin cu l275mu
nntnhidincamumbochovicthchinnghincu.
Bng2.11Thangoccnhnttcngnchtlngdchvngnhng
STT
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
Bins
Nhngthuctnhdchv
STINCY
TCAY1 Ngnhngcungcpdchvnhcamkt.
TCAY2 Ngnhngthchindchvchnhxc,hunhkhngcsaist.
TCAY3 Ngnhng quantmgiiquytnhngvn mkhchhnggpphi.
TCAY4 Ngnhngbomtthngtinkhchhngvgiaodch.
TCAY5 Ngnhngcungcpthngtinnchokhchhngyvkpthi.
STHUNTIN
TTIEN1 Ngnhngcaimgiaodchthuntinchokhchhng.
TTIEN2 Thtcgiaodchddngvnhanhchng.
TTIEN3 Ngnhngcmngligiaodchrngkhp.
DANHMCDCHV
DMUC1 Ngnhng cdanhmcdchvadngvphongph.
DMUC2 Ngnhngcmcphdchvhplvcnhtranh.
DMUC3 Khchhngctvnkhisdngccdchv.
SHUHNH
HHINH1 Ngnhngccsvtchty,btrpmt.
HHINH2 Ngnhngctrangthitbvmymchini.
HHINH3 Nhnvinngnhngnmclchthipvtrngrtchuynnghip.
HHINH4 Ngnhngcccchngtgiaodchrrng,khngcsaist.
HIUQUPHCV
PHVU1 Nhnvinngnhngcungcpdchvnhanhchngvchnhxc.
PHVU2 Nhnvinngnhngctrnh chuynmngii.
Nhnvinngnhnggipkhchhngtntnh,kpthigiiquyt
PHVU3
thangcckhiunicakhchhng.
HNH NHNGNHNG
HANH1 Ngnhngckhchhngtnnhim.
HANH2 Hnh nhcangnhngrtquenthucivikhchhng.
HANH3 Ngnhngluncoitrngquynlicakhchhng.
Saukhithuthpcphiuiutra,phnmmSPSScsdngphn
tchdliuviccthangocm hanhsau:
Bng2.12Ccthangocmhanhpdliu
Mha
(Name)
tgian
spdv
Nidungdingii
(Label)
Thigiankhchhng sdngdchvtiBIDV.
Nhngnhmsnphmdchvkhchhng angsdngtiBIDV.
nhgd
uytin
cphi
ddang
dgian
cxac
ttin
nvien
thdo
tnghi
mluoi
TCAY1
TCAY2
TCAY3
TCAY4
TCAY5
TTIEN1
TTIEN2
TTIEN3
DMUC1
DMUC2
DMUC3
HHINH1
HHINH2
HHINH3
HHINH4
PHVU1
PHVU2
PHVU3
HANH1
HANH2
HANH3
cldvu
ttuc
2.2.3KTQUNGHINCU
2.2.3.1Phntchmt
2.2.3.1.1 Thngtinv khchhng
Phnln khchhngc thigiansdngdchv ticcchinhnhBIDV
trnabnTP.HCMnmhainhm:t13nm(35.6%)35nm(41.5%).
Trong,c3doanhnghipsdngnhiuloisnphmdchvnht(9nhm).
a s khchhng s dng t 2 6 nhmdch v (91.3%), tl nhiunht ls
dng3nhmdchv(30.2%)
Bng2.13 Thngkmtthigian khchhngsdngdchv tiBIDV
thoigiansudungdichvu
Valid
duoi1nam
13nam
35nam
tren5nam
Total
Frequency
31
98
114
32
275
Percent
11.3
35.6
41.5
11.6
100.0
ValidPercent
11.3
35.6
41.5
11.6
100.0
Cumulative
Percent
11.3
46.9
88.4
100.0
Bng2.14Thngkmtsnhmsnphmdchvkhchhngs dng
sanphamdichvusudung
Valid
Frequency
7
41
83
Percent
2.5
14.9
30.2
ValidPercent
2.5
14.9
30.2
Cumulative
Percent
2.5
17.5
47.6
4
5
6
7
62
41
22.5
14.9
22.5
14.9
70.2
85.1
24
9
8.7
3.3
8.7
3.3
93.8
97.1
5
3
275
1.8
1.1
100.0
1.8
1.1
100.0
98.9
100.0
1
2
3
9
Total
2.2.3.1.2 Xcnhnhucukhchhng
Khixlsliu,cclachntheothtutinmonginhiunhtc
olngtheothangim13vcckinkhccchoiml4emvo
tnhton. Dovy, yut noc gitr trungbnh(GTTB)cngthpsl yut
ckhchhngmong ihn.
Sau khi thng k, kt qu cho thy nhng yu t m khch hng doanh
nghipmonginhtividchvdoccchinhnhBIDVtrnabnTP.HCM
cungcptheothtl:
(1)Chiphsdngdchvhplvcnhtranh
(2)Giaodchnhanhchngvchnhxc
(3)Danhmcsnphmdchvadng,pngnhucukhchhng.
Bng2.15Thngkmtmongicakhchhng
DescriptiveStatistics
uytinnganhang
chiphihoplyvacanh
tranh
danhmucdichvuda
dang
thutucdongian,ro
rangvathuantien
giaodichnhanhchong,
chinhxac
thongtindaydu,kipthoi
nhanvienconangluc
vachuyennghiep
thaidocuanhanvien
voikhachhang
cosovatchat,tiennghi
mangluoigiaodich
thuantien
ValidN(listwise)
N
275
Minimum
1
Maximum
4
Mean
3.93
Std.Deviation
.403
275
2.94
1.185
275
3.12
1.032
275
3.24
1.150
275
3.02
1.194
275
3.41
1.030
275
3.17
1.151
275
3.41
.926
275
3.82
.611
275
3.93
.417
275
2.2.3.1.3 Ccyuttcngnchtlngdchv
Trong21thangochtlngdchv,khchhngngtnhnhiunht5
yut l: DMUC2_Ngnhngc mcphdch vhp l vcnh tranh (GTTB:
4.72) TCAY1_Ngn hng cung cp dch v nh cam kt (GTTB: 4.66)
TCAY2_Ngnhngthchindchvchnhxc,hunhkhngcsaist(GTTB:
4.52)PHVU1_Nhnvinngnhngcungcpdchvnhanhchngvchnhxc
(GTTB:4.50)TCAY5_Ngnhngcungcpthngtinnchokhchhngy
vkpthi(GTTB:4.47).ylsngtnhmcrtcao,caonhtlivi
thang o DMUC2,iu ny cng ph hp vi kt qu mong i ca khch hng
nh trnhbybntrnphn(1)xcnhnhucukhchhng.
Tuynhin,nhnvobngthngktacngthyc5thangocGTTBthp
nhtthhinmcngcakhchhngkhngcaoccbinquanst.l
HANH3_Ngn hng lun coi trng quyn li ca khch hng (GTTB: 3.52)
DMUC3_Khch hng c t vn khi s dng cc dch v (GTTB: 3.54)
HHINH4_Ngnhngcccchngtgiaodchrrng,khngcsaist(GTTB:
3.55)HHINH1_Ngnhngccsvtchty,btrpmt(GTTB:3.56)
TTIEN3_Ngnhngcmngligiaodchrngkhp(GTTB:3.59)
Bng2.16Thngkmtccthangochtlngdchv
DescriptiveStatistics
TCAY1
TCAY2
TCAY3
N
275
275
Minimum
2
1
Maximum
5
5
Mean
4.66
4.52
Std.Deviation
.532
.685
275
4.42
.712
275
275
1
1
5
5
4.31
4.47
.711
.696
275
275
275
3
2
1
5
5
5
3.87
4.07
3.59
.608
.650
.618
275
275
2
3
5
5
3.85
4.72
.628
.571
TCAY4
TCAY5
TTIEN1
TTIEN2
TTIEN3
DMUC1
DMUC2
DMUC3
275
3.54
.581
HHINH1
HHINH2
275
275
2
2
5
5
3.56
3.86
.572
.632
HHINH3
HHINH4
PHVU1
275
4.04
.660
275
275
1
1
5
5
3.55
4.51
.580
.669
PHVU2
275
275
1
2
5
5
4.45
4.41
.679
.722
275
3.84
.636
275
275
1
1
5
5
4.02
3.52
.648
.575
PHVU3
HANH1
HANH2
HANH3
ValidN(listwise)
275
2.2.3.1.4 nhgichtlngdchvcakhchhng
nhgivchtlngdchvcakhchhngiviccchinhnhBIDV
trnabnTP.HCMlrtttvphnlnkhchhngstiptcsdngdchv
ngnhngtiBIDVtrongtnglai.Ktquthngkmtchothyvithango
t 1 5 im tng ng vi t hon ton khng hi lng n rt hi lng,
GTTBvshilngcakhchhngl4.13vithang ot15imtngng
vitchcchnkhngtiptcnchcchnstiptc,GTTBvkhnng
tiptcsdngdchvngnhngticcchinhnhBIDVl4.67
Bng2.17Thngkmtmchilngcakhchhng
DescriptiveStatistics
N
danhgiachatluong
dichvu
tieptucsudungdichvu
ValidN(listwise)
2.2.3.2Phntchthango
Minimum
Maximum
Mean
Std.Deviation
275
4.13
.841
275
275
4.67
.550
2.2.3.2.1KimnhCronbachsAlpha
HsCronbachsAlphakimnhtincycathango,chophploib
nhngbinkhngphhptrongmhnhnghincu.Theo,nhngbinchs
tng quan bin tng ph hp (Corrected ItemTotal Correlation) t 0,3 tr ln,
ng thi c h s Cronbachs Alpha t 0,6 tr ln mi c xem l chp nhn
cvthchhpavophntchnhngbctiptheo.Theoktqu kim
nhCronbachsAlpha(ReliabilityAnalysisScale),chngtacththyckt
quphntchtincy cathangonhsau:
*Yu t S TIN CY: c 5 binquan st u ch s tngquan bin
tng>0,3nn5binquanstuphhp.HsCronbachsAlpha=0.7237nn
thang ottiuchun.
*Yu t S THUN TIN: c 3 bin quan st u c h s tng quan
bintng>0,3.CronbachsAlpha=0.7971nntha iukin.
*YutDANHMCDCHV:ttc3binquanstuchstng
quanbintng>0,3.CronbachsAlpha=0.7696tha iukin.
*YutSHUHNH:c4binquanstuchstngquanbin
tng>0,3.CronbachsAlpha=0.8485,dovytiuchunthangolrttt.
*YutHIUQUPHCV:ttc3binquanstuchstng
quan bin tng > 0,3. Thang o t tiu chun vi h s Cronbachs Alpha =
0.8126.
*YutHNHNHNGNHNG:c3binquanstuchstng
quanbintng>0,3.HsCronbachsAlpha=0.7726nnthaiukin.
Bng2.18 2.23
Kimnhtincycathango
STINCY
RELIABILITYANALYSIS
SCALE(ALPHA)
ItemtotalStatistics
ScaleScaleCorrected
MeanVarianceItem
Alpha
ifItemifItemTotalifItem
DeletedDeletedCorrelationDeleted
TCAY117.72004.2242.3804
.7131
TCAY217.85823.5090.5302.6575
TCAY317.96363.4293.5319.6564
TCAY418.07643.5744.4689.6831
TCAY517.90913.5282.5079
.6666
ReliabilityCoefficients
NofCases=275.0NofItems=5
Alpha=.7237
STHUNTIN
RELIABILITYANALYSIS
SCALE(ALPHA)
ItemtotalStatistics
Scale
ScaleCorrected
MeanVarianceItem
Alpha
ifItemifItemTotalifItem
DeletedDeletedCorrelationDeleted
TTIEN17.65451.2926.6101.7553
TTIEN27.45451.1977.6229.7444
TTIEN37.93821.1896.6925.6687
ReliabilityCoefficients
NofCases=275.0NofItems=3
Alpha=
.7971
DANHMCDCHV
RELIABILITYANALYSIS
SCALE(ALPHA)
ItemtotalStatistics
ScaleScaleCorrected
MeanVarianceItem
Alpha
ifItemifItemTotalifItem
DeletedDeletedCorrelationDeleted
DMUC18.2582.9586.6664.6158
DMUC27.39271.1810.5363.7606
DMUC3
8.57451.0921.6134.6791
ReliabilityCoefficients
NofCases=275.0NofItems=3
Alpha=.7696
SHUHNH
RELIABILITYANALYSIS
SCALE(ALPHA)
ItemtotalStatistics
ScaleScaleCorrected
MeanVarianceItem
Alpha
ifItemifItemTotalifItem
DeletedDeletedCorrelationDeleted
HHINH111.44732.3649.8132.7566
HHINH211.14912.5361.5903.8494
HHINH310.9636
2.4877.5762.8587
HHINH411.46182.3589.8019.7604
ReliabilityCoefficients
NofCases=275.0NofItems=4
Alpha=.8485
HIUQUPHCV
RELIABILITYANALYSIS
SCALE(ALPHA)
ItemtotalStatistics
ScaleScaleCorrected
MeanVarianceItem
Alpha
ifItem
ifItemTotalifItem
DeletedDeletedCorrelationDeleted
PHVU18.86911.3916.8105.5894
PHVU28.92361.3920.7911.6079
PHVU3
8.96361.7651.4344.9707
ReliabilityCoefficients
NofCases=275.0NofItems=3
Alpha=.8126
HNHNHNGNHNG
RELIABILITYANALYSIS
SCALE(ALPHA)
ItemtotalStatistics
ScaleScaleCorrected
MeanVarianceItem
Alpha
ifItem
ifItemTotalifItem
DeletedDeletedCorrelationDeleted
HANH17.53821.2130.5451.7631
HANH27.36001.1509.5841.7215
HANH3
7.85821.1732.7046.5948
ReliabilityCoefficients
NofCases=275.0NofItems=3
Alpha=.7726
Nhvy,ttc21binquanstuthamnyucukhikimnhtin
cycathang o,dophhpthchinbcphntchnhnttiptheo.
2.2.3.2.2Phntchnhntkhmph(EFAExploratoryFactorAnalysis)
Phntchnhntkhmphlmtk thutphntchnhmnhmthunhv
tmttccdliu,rtcchchovicxcnhcctphpnhmbincnthitcho
vn nghincu.Quanhgiaccnhmbinc linh qualilnnhau c
xemxtdidngmtsccnhntcbn.Mibinquanstsctnhmt
t sgilhstinhnt(FactorLoading),hsnychobitmibinolng
sthucv nhngnhntno.
Khiphntchnhnt,yucucnthitl:
a
RotatedComponentMatrix
1
.890
HHINH1
HHINH3
HANH1
Component
3
.882
.878
.848
.824
HHINH4
HHINH2
PHVU3
DMUC1
.843
DMUC3
HANH3
.831
.829
DMUC2
.787
TCAY3
TTIEN3
.865
.863
.796
.568
HANH2
TTIEN2
TTIEN1
PHVU2
.899
.885
PHVU1
TCAY2
.738
.627
.514
TCAY4
TCAY1
TCAY5
ExtractionMethod:PrincipalComponentAnalysis.
RotationMethod:VarimaxwithKaiserNormalization.
a. Rotationconvergedin6iterations.
Phntchnhntln2(lncui):
Tphp18binquanstcnliavophntchln2(phlc8),y
cnglbc phntchnhntlncui.
Ktqu:
KMO=0,884
Sig(BartlettsTest)=0,000<0,05
Ccbinquanstcnli(18bin)cgomthnh5nhnt.Ttccc
binucgitr hstinhntFactorLoadinglnhn0,45
Tngphng sai trch: Rotation Sumsof Squared Loadings (Cumulative)
81,564%.iunychngt81,564%binthincadliucgiithch
bi5nhnt.
Eigenvalue(idinchophnbinthincgiithchbiminhnt)
tgitr 1,107>1
Bng2.25 Phntchnhntlncui
a
RotatedComponentMatrix
Component
HHINH1
HHINH3
HANH1
HHINH4
HHINH2
DMUC1
HANH3
DMUC3
1
.872
.866
.859
.828
.800
DMUC2
TTIEN3
HANH2
TTIEN2
TTIEN1
PHVU2
PHVU1
.897
.887
.887
.843
.869
.867
.799
.547
.936
.918
TCAY2
TCAY4
TCAY1
.757
.651
.559
ExtractionMethod:PrincipalComponentAnalysis.
RotationMethod:VarimaxwithKaiserNormalization.
a. Rotationconvergedin6iterations.
Phn tch nhn t ln cui cho thy 18 bin quan st c nhm thnh 5
nhnt.Cchstinhntlnnhtcamibinquanst utrn0,45.
(1)SHUHNHbaogm4bincanhntSHUHNHv1bin
ca nhn t HNH NH NGN HNG: HHINH1_Ngn hng c c s vt cht
y,btrpmtHHINH3_Nhnvinngnhngnmclchthipvtrng
rtchuynnghipHANH1_ NgnhngckhchhngtnnhimHHINH4_Ngn
hngcccchngtgiaodchrrng,khngcsaistHHINH2_ Ngnhngc
trangthitbvmymchini.
(2)DANHMCDCHVbaogm3bincanhntDANHMCDCH
V v 1 bin ca nhn t HNH NH NGN HNG: DM UC1_Ngn hng c
danhmcdchvadngvphongphHANH3_ Ngnhngluncoitrngquyn
li ca khch hng DMUC3_Khch hng c t vn khi s dng cc dch v
DMUC2_Ngnhngcmcphdchvhplvcnhtranh.
(3)STHUNTINbaogm3bincanhntSTHUNTINv 1bin
ca nhn t HNH NH NGN HNG: TTIEN3_Ngn hng c mng li giao
Dan
S
h
u
uh
h
n
nh
h
Sh
CH
T
TL
L
N
NG
G
CH
D
CH
HV
V
DC
Hi
u
uq
qu
u
p
ph
h
c
cv
v
Hi
S
th
hu
u
n
nt
ti
i
n
n
St
2.2.3.3.2Ccgithuyt
S
ti
in
nc
c
y
y
St
Ho:stincycngcaothkhchhngnhgichtlngdchvcng
cao.
H1:sthuntincngnhiuthkhchhngnhgichtlngdchv
cngcao.
H2:danhmcdchvcnghpdnthkhchhngnhgichtlng
dchvcngcao.
H4:hiuquphcvcngcaothkhchhngnhgichtlngdch
vcngcao.
2.2.3.4 Kimnhmhnhnghincu
2.2.3.4.1 PhntchtngquanhsPearson
Cc phn tch thng s dngmt s thngk c tn l h s tngquan
Pearson (Pearson Correlation Coefficient)lnghamc cht ch cami
linhtuyntnhgiahaibinnhlng.GitrhstngquanPearsonbng0
chrarnghaibinkhngcmilinhtuyntnh,ngclinugitrcngtin
gnn1khihaibincmitngquantuyntnhchtch.Nugiahaibinc
stngquantuyntnhchtchthphiluvnacngtuynkhiphntch
hi quy. Trong SPSS, hin tng a cng tuyn c chun onbng la chn
CollinearityDiagnostictrong hpthoiLinearRegression:Statistics.
M hnhnghincuciuchnhgmc5bin clp(S huhnh,
Danhmcdchv,Sthuntin,Hiuquphcv,Stincy)olngbin
phthuclChtlngdchv.XemxtphntchPearsonvtngquangiacc
binclp,tathynhntSHUHNHctngquanmnhnhtvinhnt
HIUQUPHCV(0.392).Ktip,nhntDANHMCDCHVcngc
tngquanmnhnhtvinhnt HIUQUPHC V (0.267).Trongkhi,
nhn t S THUN TIN c tng quan mnh nht vi nhn t DANH MC
DCHV(0.264)vnhntS TINCYctngquanmnhnhtvinhnt
HIUQUPHCV(0.263).
Ktquchothy giaccbinclpvinhaucstngquantuyntnh
rtyu,ttcuchsPearson<0.3(trcpSHUHNHvHIUQU
PHCV).Ngoira,binphthuclnhgichtlngdchvctngquan
tuyntnhchtchvittc5binclp(SHUHNH0.729,DANHMC
DCHV0.565,STHUNTIN0.572,HIUQUPHCV0.718,STIN
CY0.543).Nhvy,ccbinthamniukinavophntchhiquyv
tnhacngtuyncahainhntSHUHNHvHIUQUPHCVcn
cch n.
Bng2.26PhntchPearsonvccnhnttcngnchtlngdchv
Correlationsa
suhuu
hinh
danh
muc
dichvu
suthuan
tien
hieuqua
phucvu
danhgia
chat
luong
dichvu
sutin
cay
suhuu
hinh
Pearson
Correlation
danhmuc
dichvu
Sig.
(2tailed)
Pearson
Correlation
Sig.
(2tailed)
.135*
.025
suthuan
tien
Pearson
Correlation
.135*
.246**
.025
.000
hieuqua
phucvu
Sig.
(2tailed)
Pearson
Correlation
Sig.
(2tailed)
.392**
.267**
.167**
.000
.000
.005
.166**
.169**
.158**
.263**
.006
.005
.009
.000
.729**
.565**
.572**
.718**
.543**
.000
.000
.000
.000
.000
sutincay
danhgia
chatluong
dichvu
Pearson
Correlation
Sig.
(2tailed)
Pearson
Correlation
Sig.
(2tailed)
.135*
.135*
.392**
.166**
.729**
.025
.025
.000
.006
.000
.246**
.267**
.169**
.488**
.000
.000
.005
.000
.167**
.158**
.572**
.005
.009
.000
.263**
.718**
.000
.000
1
.
1
.
1
.
.443**
.000
1
.
*.Correlationissignificantatthe0.05level(2tailed).
**. Correlationissignificantatthe0.01level(2tailed).
a. ListwiseN=275
2.2.3.4.2Phntchhiquy
Phntchhiquysxcnhmiquanhgiabinphthuc(nhgica
khchhngvchtlngdchv)vccbinclp(shuhnh,danhmcdch
v,sthuntin,hiuquphcv,stincy).Mhnhphntchhiquysmt
hnhthccamilinhvquagipdoncmccabinphthuc
khi bit trc gi tr ca bin c lp. Phng php phn tch c chn la l
phngphpchntngbcStepwisevitiuchunvoFINl0,05vtiuchun
raFOUTl0,1.ylphngphpcsdngrngrinht.
Bng2.27 Phntchhiquy
a
VariablesEntered/Removed
Model
1
2
3
4
5
Variables
Entered
suhuu
hinh
suthuan
tien
hieuqua
phucvu
Variables
Removed
.
.
.
Method
Stepwise(Criteria:ProbabilityofFtoenter<=.050,
ProbabilityofFtoremove>=.100).
Stepwise(Criteria:ProbabilityofFtoenter<=.050,
ProbabilityofFtoremove>=.100).
Stepwise(Criteria:ProbabilityofFtoenter<=.050,
ProbabilityofFtoremove>=.100).
danhmuc
dichvu
Stepwise(Criteria:ProbabilityofFtoenter<=.050,
ProbabilityofFtoremove>=.100).
sutincay
Stepwise(Criteria:ProbabilityofFtoenter<=.050,
ProbabilityofFtoremove>=.100).
a. DependentVariable:danhgiachatluongdichvu
Ktquphntchthhinnhsau:
nhgisphhpcamhnhhiquytuyntnhbi:
HsxcnhR2 (RSquare)cchngminhlhmkhnggimtheo
sbinclpcavomhnh(cttc5binclp).Khiathmbin
c lp vom hnh th R2 cng tng.Nh vy, R2 c khuynhhng l mtc
lnglcquancathc osphhpcamhnhividliu.
SosnhgitrR2 vR2 iuchnh(AdjustedRSquare),thngthnggitr
R2 iuchnhbaogicngnhhnR2.Trongtnhhungny,gitrR2 iuchnh
(0.842)nhhnR2 (0.845).Nhvy,R2 iuchnhscsdngphnnh
st hn mc ph hp ca m hnh hi quy tuyn tnh a bin. R2 iu chnh
khngnhtthittnglnkhinhiubincthmvomhnh,nlthcos
phhpcs dngchotnhhunghiquytuyntnhabinvnkhngph
thucvolchphngicaR2.Vihs R2 iuchnhl0.842chothys
tngthchcamhnhvibinquanstlkhln.Do,binphthuc(nh
gi cht lng dch v) gnnh hon ton c gii thch bi 5 bin c lp c
trongmhnh.
Bng2.28Ktquphntchhiquy
f
ModelSummary
Model
1
2
3
4
R
RSquare
.716a
.513
.849b
.720
.888c
.788
.908d
.919e
Adjusted
RSquare
.511
.718
.786
Std.Errorof
theEstimate
.51214
.38869
.33900
.821
.842
.30954
.29125
.824
.845
DurbinW atson
1.700
a. Predictors:(Constant),suhuuhinh
b.Predictors:(Constant),suhuuhinh,suthuantien
c.Predictors:(Constant),suhuuhinh,suthuantien,hieuquaphucvu
d.Predictors:(Constant),suhuuhinh,suthuantien,hieuquaphucvu,
danhmucdichvu
e. Predictors:(Constant),suhuuhinh,suthuantien,hieuquaphucvu,
danhmucdichvu,sutincay
f.DependentVariable:danhgiachatluongdichvu
ANOVAf
Model
1
Regression
Residual
Sumof
Squares
75.305
71.604
Total
Regression
1
273
MeanSquare
75.305
.262
F
287.108
Sig.
.000a
146.909
105.816
274
2
52.908
350.208
.000b
Residual
Total
41.093
146.909
272
274
.151
Regression
115.765
31.144
3
271
38.588
.115
335.772
.000c
146.909
121.039
25.870
146.909
124.091
22.818
146.909
274
4
270
274
5
269
274
30.260
.096
315.815
.000d
24.818
.085
292.582
.000e
Residual
Total
4
Regression
Residual
Total
Regression
Residual
Total
df
a. Predictors:(Constant),suhuuhinh
b.Predictors:(Constant),suhuuhinh,suthuantien
c.Predictors:(Constant),suhuuhinh,suthuantien,hieuquaphucvu
d.Predictors:(Constant),suhuuhinh,suthuantien,hieuquaphucvu,danhmucdichvu
e. Predictors:(Constant),suhuuhinh,suthuantien,hieuquaphucvu,danhmucdichvu,
sutincay
f. DependentVariable:danhgiachatluongdichvu
Coefficientsa
Model
1
2
(Constant)
suhuuhinh
(Constant)
suhuuhinh
suthuantien
Beta
Collinearity
Statistics
Sig.
.000
.000
.000
.000
Tolerance
.654
t
34.300
16.944
22.094
20.199
.460
14.211
.000
.716
VIF
1.000
1.000
.982
1.019
.982
1.019
.000
.000
.841
1.189
.966
.833
1.035
1.201
.028
1.725
.398
.090
.022
.546
19.072
17.914
suthuantien
hieuquaphucvu
(Constant)
suhuuhinh
suthuantien
.375
.241
.025
.026
.427
.285
14.997
9.304
.000
.000
.634
.169
3.760
.000
.396
.339
.020
.023
.543
.385
19.478
14.502
.000
.000
.841
.924
1.189
1.083
hieuquaphucvu
.203
.327
.024
.044
.240
.201
8.374
7.419
.000
.000
.795
.887
1.258
1.128
.114
.202
.564
.574
.389
.326
.019
.022
.533
.371
20.301
14.770
.000
.000
.838
.915
1.194
1.093
.177
.306
.023
.042
.210
.189
7.644
7.362
.000
.000
.768
.881
1.302
1.135
.239
.040
.151
5.998
.000
.908
1.102
danhmucdichvu
(Constant)
suhuuhinh
suthuantien
hieuquaphucvu
danhmucdichvu
Standardized
Coefficients
.404
(Constant)
suhuuhinh
Unstandardize
dCoefficients
Std.
B
Error
3.021
.088
.522
.031
2.079
.094
.477
.024
sutincay
a. DependentVariable:danhgiachatluongdichvu
Kimnhphhpcamhnh:
KimnhFsdngtrongphntchphngsailmtphpkimnhgi
thuytvphhpcamhnhhiquytuyntnhtngth.KimnhFxemxt
milinhtuyntnhgiabinphthucvitonbtphpcaccbinclp.
Trongtrnghpny,gitrthngkF ctnhtgitrR2 camhnhy ,
gitrSig.rtnhchothymhnhhiquytuyntnhbisdngphhpvitp
dliu.Bncnh,ktquCollinearityStatisticschunonhintngacng
tuynvihsphngiphngsaiVIF(VarianceInflationFactor)caccbin
clptrongmhnhurtnh,c gi tr t1.000n1.302,thhintnha
cngtuyncaccbinclplkhngngkvccbinclptrongmhnh
cchpnhn (khi gi tr VIF vt qu 10 l du hiu cahin tnga cng
tuyn).
Mtkhc,hsDurbinWatsondngkimnhtngquancaccsai
s k nhau(hay cn gil tng quan chui bc nht, c gi tr bin thin trong
khong t 0 n 4: nu cc phn sai s khng c tng quan chui bcnht vi
nhauthgitrsgnbng2nugitrcngnh,gnv0thccphnsaisc
tngquanthunnucngln,gnv4cnghalccphnsaisctngquan
nghch)chothyphhpkhisdngmhnhhiquytuyntnhbivgitrh
s gnbng2(1.700)v chpnhngi thuytkhngc s tngquanchuibc
nhttrongm hnh.
Nhvy,mhnhhiquytuyntnhbithamncciukinnhgiv
kimnh phhpchovicrtraccktqunghincu.
Giithchphngtrnh:
Saukhiphntchhiquy,ktquchothymiquanhgiabinphthuc
(nhgicakhchhngvchtlngdchv)vccbinclp(shuhnh,
danhmcdchv,sthuntin,hiuquphcv,stincy)cthhintrong
phngtrnhsau:
CLDV=0.533SHH+ 0.371STT+0.210HQPV+0.189DMDV+0.151STC
Trong :
CLDV
:CHTLNGDCHV
SHH
:SHUHNH
STT
:STHUNTIN
HQPV
:HIUQUPHCV
DMDV
:DANHMCDCHV
STC
:STINCY
TtchsBetachunhau>0chngtccbinclputcng
thunchiuviCHTLNGDCHV.Ktqunykhngnhccgithuyt
nuratrongmhnhnghincu(H0 H4)cchpnhnvkimnhphhp.
Nh vy, cc chi nhnh BIDV trn a bnTP.HCMphi n lc ci thinnhng
nhntny nngcaochtlngdchvcamnh.
2.2.3.4.3Phntchphngsai(ANOVAAnalysisofVariance)
nhngphntrc,nghincukimnhccnhnttcngncht
lngdchv cngnholngnh gicakhchhng vchtlngdchv
ca cc Chi nhnh BIDV ti TP.HCM. Trong phn ny, phn tch phng sai
(ANOVA) s c tin hnh nhm xem xt mi quan h gia thi gian s dng
dchv,sloisnphm dchvsdngvslngngnhnggiaodchctc
ngnhthnoivinhgivchtlngdchvcakhchhng.
GithuytH 0:Khngc s khcbitvnhgichtlngdchvgia
ccnhmkhchhngcthigiansdngdchvkhcnhau.
GithuytH1:Khngc s khcbitvnhgichtlngdchvgia
ccnhmkhchhngcslngsnphmdchvsdngkhcnhau.
GithuytH2:Khngc s khcbitvnhgichtlngdchvgia
ccnhmkhchhngcslngngnhnggiaodchkhcnhau.
KtquphntchANOVAchothy:
BcbgithuytH0 (Phlc10):
KtqucakimnhLevene(TestofHomogeneityofVariances)chothy
Sig.=0.152(>0.05)nncthchpnhngithuytchorngphngsaicacht
lngdchv lbngnhaugiaccnhmkhchhngc thigiansdngkhc
nhautincy95%.
Bng2.29PhntchANOVA(GithuytH0)
TestofHomogeneityofVariances
danhgiachatluongdichvu
Levene
Statistic
1.776
df1
3
df2
271
Sig.
.152
ANOVA
danhgiachatluongdichvu
BetweenGroups
W ithinGroups
Total
Sumof
Squares
15.008
df
137.537
152.545
3
271
274
MeanSquare
5.003
F
9.857
Sig.
.000
.508
Lcny,ktqubngANOVAscsdng:Sig.=0.000(0.05)v
Ftngngl9.857.DovyktlunrngbcbgithuytH0 tincy95%,
c ngha l c s khcbit v nh gi chtlng dchv gia cc nhm khch
hngcthigiansdngdchvkhcnhau.Haycthnicchkhclthigian
sdngdchvkhcnhaucnhhngnnhgichtlngdchv.
Hnh2.9 Tcnggiathigiansdngdchvvi nhgichtlng
dchvcakhchhng
4.5
Meanofdanhgiachatluongdichvu
4.4
4.3
4.2
4.1
4.0
3.9
3.8
duoi1nam
13nam
35nam
tren5nam
thoigiansudungdichvu
dchvchothykhchhnggiaodchdi1nmhilngvichtlngdchv,
trong khi khch hng giao dch t 1 3 nm c mc hi lng thp hn. Hai
nhm khch hng c thi gian giaodch3 5nm v trn5nm c mc hi
lngrtcao.Cthnhnxtivikhchhnggiaodcht1nmtrlnticc
chinhnhBIDVtrnabnTP.HCMlnuthigiansdngdchvcngnhiu
th nhgichtlngdchvcakhchhngcngcao.
ChpnhngithuytH1 (Phlc11):
KimnhLevenechothySig.=0.565(>0.05)nnc th chpnhngi
thuyt cho rng phng sai ca cht lng dch v l bng nhau gia cc nhm
khchhngcslngsnphmdchvsdngkhcnhautincy95%.
Dovy,bngANOVAscsdng.KtquSig.=0.328(>0.05),nn
cha c s bcb gi thuyt H1 tin cy 95%, c ngha l c th chp
nhngithuytchorngkhngcskhcbitvnhgichtlngdchvgia
ccnhmkhchhngcslngsnphmdchvsdngkhcnhau.Haycth
ni l s lng sn phm dch v s dng khc nhau khng lm nh hng
nnhgichtlngdchv.
Bng2.30PhntchANOVA(GithuytH1)
TestofHomogeneityofVariances
danhgiachatluongdichvu
Levene
Statistic
.844
df1
df2
266
Sig.
.565
ANOVA
danhgiachatluongdichvu
BetweenGroups
W ithinGroups
Total
Sumof
Squares
5.115
147.431
152.545
df
8
266
274
MeanSquare
.639
.554
F
1.154
Sig.
.328
BcbgithuytH2 (Phlc12):
KtqucakimnhLevenechothySig.=0.018(0.05)nnphngsai
cachtlngdchv l khcnhaugiaccnhmkhchhngc slngngn
hnggiaodchkhcnhautincy95%.
Lc ny, khng th s dng bng ANOVA c m s dng kt qu ca
kimnhPostHoc(thng kTamhanesT2).
Bng2.31PhntchANOVA(GithuytH2)
TestofHomogeneityofVariances
danhgiachatluongdichvu
Levene
Statistic
3.399
df1
3
df2
271
Sig.
.018
MultipleComparisons
DependentVariable:danhgiachatluongdichvu
Tamhane
(I)songanhang
giaodich
1nganhang
23nganhang
45nganhang
hon5nganhang
(J)songanhang
giaodich
23nganhang
45nganhang
hon5nganhang
1nganhang
45nganhang
hon5nganhang
1nganhang
23nganhang
hon5nganhang
1nganhang
23nganhang
45nganhang
Mean
Difference
(IJ)
Std.Error
.06
.234
.37
.234
.45
.318
.06
.234
.31*
.091
.40
.234
.37
.234
.31*
.091
.08
.234
.45
.318
.40
.234
.08
.234
Sig.
1.000
.593
.668
1.000
.004
.493
.593
.004
1.000
.668
.493
1.000
95%ConfidenceInterval
LowerBound UpperBound
.67
.78
.36
1.09
.45
1.36
.78
.67
.07
.56
.29
1.08
1.09
.36
.56
.07
.61
.77
1.36
.45
1.08
.29
.77
.61
*.Themeandifferenceissignificantatthe.05level.
Hnh2.10Tcnggiasngnhnggiaodchvi nhgichtlng
dchvcakhchhng
4.4
Meanofdanhgiachatluongdichvu
4.3
4.2
4.1
4.0
3.9
3.8
1nganhang
23nganhang
45nganhang
hon5nganhang
songanhanggiaodich
Biuthhinstngquangiaslngngnhnggiaodchvinh
gichtlngdchvchothykhikhchhngcngsdngdchvnhiungn
hngkhcnhauth mc hilng ivichtlngdchvcnggim.
2.2.3.5 Tmttktqunghincu
2.2.3.5.1Xc nhnhucucakhchhng
KtquphntchmtchothykhigiaodchticcchinhnhBIDVtrn
abnTP.HCM,khchhngmong inhtl:
(1)Chiphsdngdchvhplvcnhtranh.Khchhngmongmun
BIDVcbiuph dchvmangtnhcnhtranh, yliuhontondhiuvgi
ccasnphmluncquanhchtchvinhngnhgicakhchhngv
chtlngsnphm.Dovy,chnhsch nh gidchv caBIDVphihpl,
linh hot v mang tnh cnh tranh cao trong bi cnh cc ngn hng thng mi
ngycngmrngmnglichinhnhvphttrinhthnggiaodchvimt
dy cnhhinnay.
Hnh2.11Mhnhccyuttcngnchtlngdchv
Shuhnh
Sthuntin
Hiuquphcv
Danhmcdchv
Stincy
=0.533
=0.371
=0.210
Chtlngdchv
=0.189
=0.151
Ccyuttcngnchtlngdchvvimckhcnhau.Mcd
mhnhbanuxutstincylyuthngutcngnchtlngdch
vcangnhng,nhngktquhiquythhinshuhnhmilyutctc
nglnnhtnchtlngdchvcaccchinhnhBIDVtiTP.HCM.Yut
sthuntincngctcngtngilnnchtlngdchv.Tiptheol
cc yut:hiuquphcv,danhmcdchv,stincy.Mctcngn
cht lngdch v ca3 yu tny chnh lch khngnhiu vh s Beta chun
hachdaongtrongmtkhongcchrtt(t0.151n0.210).
(1)SHUHNHcgitrBetachunhacaonht(0.533)nndavo
mhnhhiquythylyuttcngnhiunhtnnhgichtlngdch
vcakhchhng.YutSHUHNHbaogm5thnhphn:HHINH1_Ngn
hngccsvtchty,btrpmtHHINH3_Nhnvinngnhngn
mc lch thip v trng rt chuynnghip HANH1_Ngnhngc khch hng
tn nhim HHINH4_Ngnhng c cc chng t giao dch r rng, khng c sai
st HHINH2_Ngnhng c trang thit b v my mc hin i. Trong bi cnh
VitNamngycnghinhpmnhmvinnkinhttoncuvthchincc
camktgianhpWTOvmcalnhvcngnhngchoccnhchtichnh
ncngoi,h thngngnhng thngmitrongnc khngngng hini
ha,cngvilsxuthincanhiungnhngncngoitiVitNamnh
HSBC, Standard Chartered Bank, ANZ... iuny tocho khchhng rt nhiu
chn la trong vic s dng dch v ngn hng v mi trng kinh doanh ngn
hngtrnnctnhcnhtranhcao.Dovykhchhngtrnnnhycmvicc
yut lin quannshuhnh khi giaodch vingnhng,nhtl trongiu
kinngycngcnhiusnphmdchvhini,sdngcngnghcaoc
cungcpchokhchhng.
Ktquthngkmt(Bng2.17)chothyyutshuhnhchac
khchhngnhgittlm (GTTBt3.55n 4.04).Trongc2thnhphn
HHINH1(GTTB:3.56)vHHINH4 (GTTB:3.55)nmtrongnhmcGTTBthp
nht th hin mc ng ca khch hng khng cao. Chnh v vy, cc chi
nhnhBIDVtrnabnTP.HCMcnphicithinnhiuhnnayutshu
hnh:nngcpcsvtcht,btrccaimgiaodchpmt,trangbmy
mchini,nhnvinnmclchthiphn...biylyutcstcngrt
lnnnhgichtlngdchvcakhchhng.
(2)STHUNTINchsBetachunhacaoktip(0.371)chngt
yutnycngcstcngkhlnnchtlngdchv.YutSTHUN
TIN bao gm 3 thnh phn: TTIEN3_Ngn hng c mng li giao dch rng
nhngaimclachnphigipkhchhnggiaodchcthuntinhn
nhgnccvngtrungtmthngmidchv,khucngnghip,nmtrncc
trcngln,giaothngthunli...Ngoira,BIDVphinghincucitincc
quytrnhnghipvnhmgipkhchhngddnghntrongccthtcgiaodch
vingnhng.ngthi,ccchinhnhBIDVcncbitchvhonthincc
khu giao dch vi khch hng c th thc hin dch v mt cch linh hot,
nhanhchnghn.
(3)HIUQUPHCV chsBetachunhatngicao(0.210),yu
tnycngcstcngquantrngnchtlngdchv.HIUQUPHC
Vbaogm2thnhphn:PHVU1_Nhnvinngnhngcungcpdchvnhanh
chng v chnh xc PHVU2_ Nhn vin ngn hng c trnh chuyn mn gii.
Yutnygnlinvinhntconngitrncckhacnhtrnhchuynmn,
khnngxlnghipvvmchiuqutrongcngvic.Nhnvinchnhl
cunigiangnhngvkhchhngsdngdchv,ivinhngngnhdch
vcihicaovtipxckhchhngthqutrnhcungcpdchvcanhn
vin lunng vai tr quantrngi vinh gi cht lngdch v ca khch
hng.Hiu quphcvlyutthhinrrtnhtChtlngchcnngtrong
mhnhchtlngdchvmC.Grnrooscp.Ktquthngkmtcho
thykhchhngnhgihiuquphcvcaccchinhnhBIDVvishilng
cao(GTTB>4).
(4)DANHMCDCHVchsBetachunha0.189,yutnycng
cstcngnchtlngdchv.DANHMCDCHVcngtt thkhch
hngnhgichtlngdchvcngcao vngcli.DANHMCDCHV
baogm4thnhphn:DMUC1 _Ngnhngcdanhmcdchvadngvphong
ph HANH3_ NgnhngluncoitrngquynlicakhchhngDMUC3_ Khch
hngctvnkhisdngccdchv DMUC2_ Ngnhngcmcphdchv
hplvcnhtranh.Ngynay,trongnnkinhthini,nhucucakhchhng
cngphttrinrtadng.Do,ngnhngphicungngdanhmcdchv
phongphpngcnhiuihicakhchhng,nhtlchtrngthitk
nhnggisnphmdchvngb.Ngnhngnocngchcoitrngquyn
li ca khch hng, ngn hng s cng thnh cng trong kinh doanh. V vy,
nh gi dch v hp l v thc hin t vn cho khch hng trong sutqu trnh
giaodchsgipccsnphmdchvngnhngmangtnhcnhtranhcaotrnth
trng.
KhchhngnhgidanhmcdchvcaBIDVchacaolm.Chcyu
tDMUC2linquannmcphdchvlckhchhngnhgitt(GTTB:
4.72), cc thnh phn cn li c GTTB t 3.52 n 3.85. Trong , hai yu t
HANH3_Ngnhngluncoitrngquynlicakhchhng vDMUC3_Khch
hngctvnkhisdngccdchvcnhgikhthpkhisosnhvi
cc yu t khc. Nh vy, schuyn nghiptrong thchindch v vmc tiu
hngnkhchhngphicccchinhnhBIDVtiTP.HCMchtrngtrong
thigianti,cbitlcngtctvnivikhchhng.iunycngcmi
quanh cht chngi dch v,bi l nu chiph sdngdch v thpnhng
khchhngkhngctvntt,hscmnhnquynlicamnhkhngc
ngnhngcoitrng,khitnhcnhtranhcavicnhgidchvthpcngtr
nngimisthuht.Bncnh,danhmcdchvcaBIDVcngcnc
nghincubsungvtrinkhainhiusnphmminhmpngnhngnhu
cuphtsinhadngcakhchhng.Nhnchung,mc dphdchvcaBIDVl
kh hp l v cnh tranh nhng cc chi nhnh BIDV trn a bn TP.HCM phi
nhanh chng ci thincc yu tkhc linquanndanhmcdch vc th
duytrcshpdncadchvivikhchhng.
(5)STINCY cgitrBetachunha0.151,thpnhtsoviccyut
khcdcavoutintrongmhnhchtlngdchvxutbanu.
Sthayitrongphntchhiquykhngcnghalkhchhngnhgithps
tincy.Ktqunycthclgiilkhchhngkhngnhstincykhi
sdngccdchvcaBIDVnnnhngyutcnlitrthnhnhngyutc
mc tc ng ln hn n nh gi cht lng dch v. BIDV l mt trong
nhngNHTMnhnclnnhtvluinhttiVit Nam,anghiniha
hotngnhanhchngtrongnhngnmquannrtdhiulkhchhngcs
tincycaokhigiaodchvingnhng.iunylhontonchpnhncvi
ktquthngkmt(Bng2.17)thhinsngtnhrtcaotrongcmnhn
ca khch hng: TCAY1_Ngn hng cung cp dch v nh cam kt (GTTB:
4.66)TCAY2_Ngnhng thchindch vchnh xc,hunh khng c sai st
(GTTB: 4.52) TCAY4_ Ngn hng bo mt thng tin khch hng v giao dch
(GTTB:4.31)
Nhvy,tnghpccthangoca5yuttcngnchtlngdchv
trongmhnhnghincucmtnhsau:
Bng2.32Tnghpccthangoca5nhnttcngnchtlngdchv
1
2
3
4
5
HHINH1
HHINH2
HHINH3
HHINH4
HANH1
6
7
8
9
TTIEN1
TTIEN2
TTIEN3
HANH2
10
11
PHVU1
PHVU2
12
13
14
15
DMUC1
DMUC2
DMUC3
HANH3
16
17
18
TCAY1
TCAY2
TCAY4
SHUHNH
Ngnhngccsvtchty,btrpmt.
Ngnhngctrangthitbvmymchini.
Nhnvinngnhngnmclchthipvtrngrtchuynnghip.
Ngnhngcccchngtgiaodchrrng,khngcsaist.
Ngnhngckhchhngtnnhim.
STHUNTIN
Ngnhngcaimgiaodchthuntinchokhchhng.
Thtcgiaodchddngvnhanhchng.
Ngnhngcmngligiaodchrngkhp.
Hnh nhcangnhngrtquenthucivikhchhng.
HIUQUPHCV
Nhnvinngnhngcungcpdchvnhanhchngvchnhxc.
Nhnvinngnhngctrnh chuynmngii.
DANHMCDCHV
Ngnhngcdanhmcdchvadngvphongph.
Ngnhngcmcphdchvhplvcnhtranh.
Khchhngctvnkhisdngccdchv.
Ngnhngluncoitrngquynlicakhchhng.
STINCY
Ngnhngcungcpdchvnhcamkt.
Ngnhngthchindch vchnhxc,hunhkhngcsaist.
Ngnhngbomtthngtinkhchhngvgiaodch.
2.2.3.5.3 nhgichtlngdchvcakhchhng
Bngthngkmtchothynhgirtttcakhchhngvchtlng
dch v ca cc chi nhnh BIDV trn a bn TP.HCM. Vic o lng da trn
thangot15 imtngngvimc t hontonkhnghilngn
rt hi lng. Kt qu GTTB v nh gi cht lng dch v l 4.13, chng t
khchhngc mc hilngcao ivichtlngdchv caccchinhnh
BIDV ti TP.HCM. Ktqunyl mt tnhiung khch l cho nhng ktqu
hotngcngnhuytncaBIDVtrongnhiunmqua.iunycngihi
ccchinhnhBIDVcnphitiptcduytrvcithin chtlngdchv cung
cp n cho khchhng.ycng chnhlmt p lcrt ln cho cc chinhnh
BIDVtrongvickhngngngnlcnngcaochtlngdchvtthnmc
ttnhthinti t c.
2.2.3.5.4Miquanhgiathigiansdngvishilngcakhchhng
Ktqu kimnhthhinc s khcbitv nhgichtlngdchv
giaccnhmkhchhngcthigiansdngdchvkhcnhau:
*Nhm khchhng giaodchc thi gian giaodch < 1nmhilng vi
chtlngdchv.
* Nhm khch hng giao dch t 1 3 nm c mc hi lng thp hn
nhm<1nm.
*Nhm khchhng c thi giangiaodch3 5nm c mc hi lng
tngicao.
*Nhmkhchhnggiaodchtrn5nmhilngcaonhtvichtlng
dchv.
Ktqucmt imnglulkhchhngmicshilngcaohnso
vikhchhnggiaodcht13nm.iunytrayucucnphiduytr
chtlngdchvcungcpivikhchhngcaccchinhnhBIDVtrna
bnTP.HCM.Tuynhin,cthnhn nhchungivikhchhngcthigian
giaodcht1nmtrlnticcchinhnhBIDVlnuthigiansdngdchv
cng lu th nh gi cht lng dch v ca khch hng cng cao, chng t khi
khchhnggnbvingnhngcngnhiuthhcnghiurngnhnghn,do
vy khch hng tn nhim v nh gi cht lng dch v tt hn so vi nhng
khchhngkhc.
2.2.3.4.5 Miquan h gia s lng ngnhnggiaodch vi s hi lng ca
khchhng
Ktqukimnhchothycskhcbitvnhgichtlngdchv
giaccnhmkhchhngcslngngnhnggiaodchkhcnhau.Khchhng
cnggiaodchvinhiungnhngthnhgichtlngdchvtiBIDVcng
gimxung.Ktqunyphhpvithct,khikhchhnggiaodchvinhiu
ngnhng,hscnhiuchilachnvsosnhhnsovinhmkhchhng
giaodchvis tngnhng.Thtrngdchvtichnh ngnhngVitNam
ang tip tc hinhp v mc cnh tranh ngy cngtr nnmnh m. Nhiu
ngnhngncngoivangbtuthmnhpsuhnvothtrngtrong
nc,trongkhiccngnhngniacngkhngngnglnmnhvlintc
mrngmngligiaodch,cbitTP.HCMlmttrongsnhngabnc
mttptrungccngnhngdy cnht.iuny emnnhiusthuntin
vlichchokhchhngnhngcng emnplccnhtranhrtlnivicc
ngn hng ni chung v h thng BIDV ni ring. Chnh v vy, cc chi nhnh
BIDV cn phi hon thin hn na cht lng dch v ca mnh nhm phc v
khch hng ngy cng tt hn, ng thi tip tc ng vng v pht trin trong
cuccnhtranh.
KTLUNCHNGII
ChngIIgiithiuchungvhotngcatonhthngBIDVcngnh
hotng ca cc chinhnhBIDVti TP.HCM, trong ch phn tchnhng
thc trng ca mng hot ng dch v. Phn chnh tp trung trnh by kt qu
nghincuchtlngdchvcaccchinhnhBIDVtrn abnTP.HCM.
1. xut m hnh nghin cu ban uda trn c s tham kho cc m
hnhchtlngdchvtrnhby ChngI.
2.Tinhnhnghincunhtnhxcnhmhnh, ngthi iuchnh
ccthangos dngvthitkbngcuhi iutra.
3.Trnhbyktqunghincunhlngdatrnktquphntchbng
phn mm SPPS, vingun d liu s cp c ly t bng cuhiiu trathu
nhnkinnhgicakhchhngvchtlngdchvticcchinhnhBIDV
trnabnTP.HCM,baogm:phntchthngkmt,phntchtincyca
thango,phntchnhnt,phntchhiquy,phntchphngsai,kimnh
Sau,aramhnhnghincuhiuchnhvtmttccktqu nghincu.
ChngIII
XUTNHNGGIIPHPNHMGPPHN
NNGCAOCHTLNGDCHVCACC
CHINHNHBIDVTITP.HCHMINH
DavoktqunghincuchtlngdchvcaccchinhnhBIDVti
TP.HChMinh,trncsnhngnidungphntchvnhucucakhchhng
khigiaodchviBIDV,nhgi chtlngdchv cakhchhngv xcnh
nhng yu t tc ng n cht lng dch v, ti s a ra nhng gii php
nhm gpphn cithin vnng cao cht lng dch v ti ccchinhnh BIDV
anghotngtrn abnTP.HChMinhniringvcachthngBIDV
nichung.
chinlcphttrinnybcu tcrtnhiuthnhqungkhchl,
thhinquaktquhotngcaBIDVtronggiaion20062008.Vmcd
nhngthngcuinm2008naunm2009cnhnnhlqungthigian
gpnhiukh khniviccngnhng,FitchRatingsvncngbginguyn
xphngclpcaBIDVmcD/E, nhgicaoBIDVvkhacnhminhbch
thng tin v l mt trong nhng ngn hng Vit Nam vt tri v nh hng
thngmi.
Saukhithchinhonttccdnhinihavchuynimhnh
trongnhngnm20062008,giaionutincathikhinhpviskin
nctagianhpTWO,giaion20092010vchonnm2015cBIDV
xcnhlgiaionhinhptondin,ngthicnglqutrnhtonhthng
tchccchunbcciukincnbnchocngtccphnha,ylgiaion
mangtnhbcngot quantrngtrongiukintnhchtcnhtranhcathtrng
ngycngcao.BIDVnhhngchuynsanghotngtheomhnhtpon
trongthigianspti,hngnvicxydnghthngBIDVtrthnhTpon
tichnhngnhngcquymhngutiVitNam,viccloihnhdchv
alinkt,cchinlctphtobcphttrinmnhmtrongcchotng
dchvngnhngvkinhdoanhbohim,acchotngnytrthnhngun
phttrinmnhcbncaTponmctiuxcnhcho2lnhvcngnhng
vbohimnhsau:
BIDVgivtrhnguvcungcpdchvtichnhngnhngnichung
vccdchvngnhngutniringtrnccphngdin:chtlng
dchvcungcp,adnghaccloihnhdchv,thiuqukinhdoanh
caovkimsotcriro.
Hotngkinhdoanhbohimccngcvchim uthivicc
sn phmdch v bo him phi nhn th, trong tp trung khai thc cc
dchvln,phttrindchvbancassurancelmtngkhnngcungcp
dchvtrngichokhchhng.
ng thi,phng chm/tn chhot ngc xcnh trong dihn l
BIDVduytrvthlnhcungcpccdchvtichnhhnguVitNamv
mrnghotngrancngoi.Chnhvvytrongthigiangny,bncnh
vicgivngthtrngtrongncvnngcaosccnhtranhtrncckhacnh:
snphm dchv,ccu,hiuquhotng,thphn,khchhng,ngunthu
BIDV ang tngbc m rng hot ng ra nc ngoi thng qua vic hp tc
kinhdoanhvinhiunhchtichnhquct,ngthixctin nhiuthathun
lindoanhthnhlpccngnhng,cngtyut,cngtytichnhtincngoi
nh:NHLDLoVittiVientiane,CtyutBIDVEuropetiCHCzech,Cty
ut&PhttrinCampuchiaIDCC, mualiPIBankvticcuitnthnh
NHut&PhttrinCampuchiaBIDC,mrnghotngcaCtyBohim
BIC sang Lo v Campuchia, chunb khai trng VPD BIDV ti Phnompenh,
xctinthnhlpCtytichnhtiHongkong,chinhnhcaNHLDVitNgati
Moscow...Cththy mctiuphttrindihnnhvylphhpvi timnng
v yu cu pht trin ca BIDV cng nh qu trnh hi nhp quc t ca ngnh
ngnhnghinnay.Tuynhin,duytrvthlnhcungcpdchv tichnh
hngulmtthchthckhngnhcatonhthngBIDV,bilcngvis
hindincanhiungnhngvnhchtichnhlnVitNam,thtrng
trnn singvmc cnhtranh caohntrcyrtnhiu.Ngoira, vi
nhngdinbinvbinngcannkinhtthgii,trongbicnhtoncuha
vhinhpcannkinhtccqucgia,qutrnhphttrinquymvmrng
hotngcahthng BIDVcn phimbociuquantrngnht,l
duytrtnhhiuquvkhnngphttrinbnvng.
3.1.2 nhhngphttrindchvcaBIDV
T nm 2005 tr liyl giai onnhdubc chuyn bin vtbc
tronghotngkinhdoanhdchvcaBIDV.Vinhngchnhschngnv
ccbinphpchothchinstsao,ktquhotngkinhdoanhdchvca
ton h thng t c nhng kt qu vt tri. tip tc pht huy nhng
thnh quhotngdchvtc,BIDVxydng nhhngchinlc
phttrindchvnnm2010l:
Doanhthudchvrngtngtrngbnhqun30%nm
Tiptcphttrinalnhvcdchv,hngncctiuchttnhtcho
khchhnglcungcpccsnphmdchvtrngi,kthpngbccdchv
ngnhngbohimtichnhthumua
Khngngngcithinsccnhtranh,tchccchimlnhthphndchv
tichnhngnhngbohim
Nng cao hiu qu trong qun tr iu hnhhot ng dch v, to bc
chuynbincnbntqunlhotngdchvtheosnphmsangqunltheo
khchhng
Ch ng v tng cng hp tc quc t vi cc nh ch ti chnh ln
trongphttrindchv,tngbcmrnghotngraccnctrongkhuvc
Tronggiaionphttrinspti, mnghotngdchvschnhllith
cnhtranhchyucaccngnhngthngmi.cththchincnhng
nh hng chin lc pht trin dch v nu trn, BIDV cn phi cung ngmt
cchtondinccsnphmdchvcchtlngcao,sngtopngc
nhucutichnhadngcakhchhngvhngtonbhotngnphcv
khchhngngycngtthn.ChinlcphttrindchvcaBIDVccc
chinhnh,cngty/bphntrcthucxcnh rrnghntheotngnhhng
cthnh:TrungtmthxcnhmctiuDchvthBIDVemlinhiu
tin ch nht cho khch hng vi cc loi hnh th a dng, tin ch phong ph
mang phong cch snh iu, knh chp nhn th rng ri nh hng sn phm
ngnhngintInternetbanking,MobilebankingBIDVlngnhnghngu
ca cc dch v ngn hng in t tiu chun, chuyn nghip, vi tin cy, d
kimsotvcbomtcaoTtcccbphntipxc,quanhkhchhng,
quy giao dch vdch v khchhng cam kt nlc thchinphngchm
BIDV sn sngp ngnhanhnht cc nhu cu giaodch ca khchhngi
vihotngkinhdoanhngoit,TrungtmTcnghipTitrthngmiv
BanVn&KinhdoanhvntmctiugivngdanhhiuNgnhngcungcp
dchvngoitttnhtm BIDV ccngnhntrongnm2008Cngty
BSC angcgngtrthnhmttrongnhngCngtyChngkhonhngu ti
VitNamCngtyBohimBICtchcctrinkhaiccchinlckinhdoanh
trthnhNhcungcpdchvBancassurancechuynnghipnht
3.2XUTCCNHMGIIPHPCTH
Nn kinh t Vit Nam ang trong giaiontiptc tng trng,mcd
thigianquacnhhngtiucccakhnghongtichnhtoncu.Mtkhc,
ccthchlutphpvmitrngkinhdoanhhonthindn,nhucuxhingy
cng tng. Do vy, th trng dch v ngn hng c rt nhiu tim nng pht
trin.Vnlnitptrungdncngnht,cmctngtrngkinhthngu
v gi vaitr l mt trung tm thngmi dch vlnnht nc, TP.HCM l
mtabnmnhucuvgiaodchngnhngmccao.Tuyvy,giaionsp
ticnhnnhscnhtranhtronglnhvcngnhngsrtquytlit,cbit
lkhiVitNamdbhontonccrocnkthuttronglnhvctichnhngn
hngtheoltrnhcamktgianhpWTO.Datrnphntchthctrnghotng
hinnay,tiptchngnvicnngcaochtlngdchvtrongiukinth
trngcnhtranhngycngcao,hthngBIDVnichungvccchinhnhBIDV
trnabnTP.HCMniringcnchtrngntnhngbvnhtquncacc
giiphp,thhincckhacnhsau:
3.2.1 Chtrngnccyutlinquannshuhnh
3.2.1.1 utnngcpcsvtcht,trangthitbcamngligiaodch
Tptrungutvocsvtcht,trangthitbhinilnhmmbo
yu t s hu hnh cah thng BIDV i vi khch hng (ng thi, h thng
trangthitbhinicngsgpphn nngcao tnhchnhxc,kpthica cc
giao dch y l nhng c im chnh yu nht trong cht lng dch v ca
ngnhng).Dovy,viccithinccyuthuhnhcnphinhanhchngc
quantm,baogmbtrphngtinynngcptrslmviccaccchi
nhnhtrnabnTP.HCMthitkccquy/im giaodchvikhchhngp
mt,chuynnghiptrangbmymchini...Ngoira,HSCcnchtrngdnh
vnuttrsgiaodchchoccchinhnh. Hinnay,tiTP.HCMtrscamt
schinhnhvhuhtccphnggiaodchuangithuaimhotng,
do vy y mnhu t choc s vt chtl mt trongnhngnhu cu cp thit
trongchinlcphttrincaBIDV. Bncnh,trongthigiantiHSCcng
nn y nhanh vic trin khai ng lot chnh sch thng nht v hnh nh ca
BIDV(bnhndinthnghiuBIDV)tittccc aimgiaodch,mngli
bootATM,nphm,biumu,qutng,thngtinqungco,trangphc...saukhi
thchinthimthnhcngtiChinhnhBIDVHThnh(HNi).Vicp
dngthngnhtbnhndinthnghiuBIDVchotonhthngsmbotnh
ngb,nhtqunvchunha,pngyucuphttrincaBIDV.
3.2.1.2 Ch trng phong cch chuyn nghip ca i ng nhn vin phc v
khchhng
ivinhngngnhdchvcihicaovtipxckhchhngnhlnh
vcngnhngthtrongqutrnhcungcpdchvn chokhchhng,stng
tc gianhn vin ngnhng vi khchhng s c nhng nhhng rt ln n
cmnhnchtlngdchvcakhchhng.nhgivingnhnvinca
ccchinhnhBIDV,khchhngcnhngntngtngittvsnngng
v nhit tnh ca i ng CBCNV nhng cha nh gi cao lm v phong cch
chuynnghiptrongcngvic.Dovy,ccchinhnhBIDVtiTP.HCMvton
h thngBIDVni chung nn ch trngnhiuhnnan vico to vhnh
thnhphongcchchuynnghipcaingnhnvinphcvkhchhngnhm
lm choh hi lng hn khisdng dch vca BIDV. Khch hng lunmong
munnhnvingiaodch,cungcpdchvchohlnhngngicngoihnh,
trangphcp,nhanhnhn,duyndngvlchthip,ngthibitquantmn
nhucucakhchhng.Dovy,ccchinhnhcnimitc phonggiaodch,
ch trng cao vic th hin s vn minh lch s ca nhn vin i vi khch
hng,nhtlcithinphongcchphcvcanhngbphntcnghip,nitrc
tip x l cc yu cu giaodchca khchhng. Snng ng, nim n v tnh
chuyn nghip ca cc nhn vin giao dch chc chn s to n tng tt p v
chtlngdchvcangnhng,nhvy ccchinhnhBIDVmicthduytr
vphttrinmiquanhivikhchhng.
thchinttiunytrongtonhthng,Hischnhcngcncc
chquynhvnhngquytcngx,giaotipkhchhngcacnbnhnvin
BIDVnhmmbochtlngphcvkhchhngmtcchttnht.Ngoira,
cn tip tc i mi t duy hng n phc v khch hng i vi ton th
CBCNVangcngtctiBIDV,nhtlkhingnhngnhngangtrongthik
hi nhp quc t ngy cng su rng. l phi nhn thc rng hot ng ca
BIDVangchuynhngtrthnhmt ngnhngchngbnccdchvnhm
pngnhucuthtrng.TtcCBCNVcangnhngphichuyn iphong
cchlmvictnhnvthchinyucucakhchhngmtcchthngsang
phongcchchnggiaodchnhm pngmtcchtianhucudchvti
chnhcakhchhng.Trong,cbitchtrngvochtlngdchvvlun
snsng manglishilngcaonht nchokhchhng.
Bncnh,nhanhchngxydngmitrnglmvicchuynnghipv
hngnhnhthnhntvnhactrngcaBIDVtontngttpi
vikhchhng.Khngngngnngcaotnhkcng,klutcacnbvnhn
vin.ngthi,tngcngtinhthnhptc,shtrnhautrongcngvicca
CBCNVgiaccphng,ban,chinhnhtrongtonhthngBIDVcthphc
vkhchhngmtcchttnht.
3.2.1.3 Khngngnghonthinchtlngcasnphmdchvnhmgign
vnngcaostnnhimcakhchhng
Ccchinhnhthngxuynnhgivthctrngtrinkhaiccsnphm
dchvcaBIDVtrongtngquanvctnh,chtlngvkhnngcnhtranh
viccsnphmtngng ca ccithtrnthtrng,t kpthi
xutchoccnvlinquantiHischnhcc yucuviuchnh,citin
snphm nhmnng cp,hon thin chtlng ca snphmdch v. cbit,
ccbphnlinquanvccchinhnhBIDVphinlcthchincyucu
chngtrnhphttrinmnglibibnvkhoahc,viccphngtinhtr
ccngnghcao,mnhluncpnhttnhhnhcnhtranhtrnthtrngv
nm chcthctrnghotngcamngligiaodch,davocthara
nhngchnhschiuchnhphhpvkpthi.
Nghincuthnhlpccchinhnhmitinhngqun,huyntrngim
trnabnTP.HCMcnchacchinhnhcp1caBIDVnhQun3,Qun6,
Qun 7, Ph Nhun, G Vp, C Chi... tinti ph kn mng li BIDV ti cc
qunnithnhTP.HCMvmtshuynngoithnhquantrng.Vichnhthnh
chi nhnhmi cth t u tin, trc nht l ti cc ni gn khu dn c, th
mi,trungtmthngmi,khucngnghipvdatrncsnghincukcc
cimvxhi,dnc,mitrngkinhdoanhvtnhhnhcnhtranhvic
mccchinhnhthcschiuqu,phthuytialithcaBIDV.(Hinnay,
BIDVvnchakhaithchttimnnghotngtrnabnTP.HCM,vicphn
b mngli chinhnh cn bt cp, co cm,tp trung ti mt s khu vc chnh
trongkhinhiukhuvcngdnc,kinhtphttrinvncnbtrng.Tnhn
30/6/2009,chc8chinhnhBIDVtrongkhic15CN Vietcombank,21CN
Vietinbank,39CNAgribanktiTP.HCM...)
Cc chi nhnh BIDV y mnh vic m rng mng li hot ng ca
mnhtrnabncgiaonhmgpphnhnhthnhhthngphnggiaodch,
imgiaodch,qutitkim,autobank,ATM,POSkhpabnthnhph.Trong
nm 2007 v 2008, k hoch pht trin phng giao dch mi ca cc chi nhnh
BIDVtiTP.HCMkhngtchtiunhkhochcaHSCra,vicmrng
mngliPOSvautobankcngcnrtchmdonhiuchinhnhchaquantm
ngmcncngtcphttrinmngli,vicchunbcsvtcht,nhns
chambo.
Viclachnccaimmmnglihotngphihtscchn
sthuntinchokhchhnggiaodchnhnmnhngkhuvctrungtm,c
mboanninhtt,gncctrcnggiaothng,khuvchotngkinhdoanh
thunli,cchuxechokhchhng...
Xydngbn mnglihotngcaBIDV.Bnnycthc
hintrnnnbns,lcngctrcquanphcvchocngtciuhnh,
ngthicngnhmphcvchokhchhng.Bncthavotrangwebca
BIDV, c th in bn kh ln d nhn thyc b tr ti cc aim giao dch
nhmgipkhchhngdnhnbitvthuntinhntronggiaodchviBIDV.
3.2.2.2 Citinthtcvquytrnhgiaodch
Luncitin,imihonthinquytrnhgiaodchtheohngthnthin
hn vi khch hng. y chnh l gii php mang tnh thng xuyn, thng qua
vicnhgili nhngthtckhngcnthittrongquytrnhcungcpdchvca
BIDV.Viccitintheohngnginhathtcvchngtnhm mcch
tothunlihnchokhchhngtronggiaodch, ngthigpphnvonngcao
hiuqu hotngkinhdoanhcaccchinhnh, chnghnnh: iuchnhmts
chng t giaodchnh giy np tin/giy lnh tinmtphibao gm cbngk
tin nhm gim bt s lng giy tcc mu giyt v chng t giao dch cn
gim thiu cc thng tin m khch hng phi vit tay GDV nhn bn photocopy
CMNDvchutrchnhimichiuvibnchnhthayvyucungiidin
doanh nghip n giao dch phi cung cp CMND c sao y chng thc GDV
khngcnthityucubinbnhpcaHQT/HTVvvicmchinhnhca
cngtymkhchhngchcncungcpgiychngnhnKKDcaSKHT
ivichinhnhcngtyl(vtrckhicpgiychngnhn,SKHT
yucunpbinbnhpny)ccnhnvingiaodchkhicyucukhchhng
bsunggiytthchnnyucukhchhng1lnBanktonHSCnghincu
bsungchcnnginchngtchokhchhngnhmrtngnbtthigianxl
giaodchvtngthmthigiantvn/bnhngiviccGDV
3.2.3 Cithinhiuquphcvkhchhng
3.2.3.1 Hon thin v nng cao hiu qu phc v khch hng ca i ng
CBCNV
Trongiukinthtrngtichnhngnhnghinhpngycngsurng
v mc cnh tranh ngy cng cao hn. Yu t con ngi chnh l mt trong
nhngyutctcngrtlnnchtlngdchv.Yutnythhintrn
cckhacnhtrnhchuynmn,khnngxlnghipv vmchiuqu
trongthchindchvcaingnhnvin.ingnhnvincthcxem
lcunigiangnhngvkhchhngsdngdchv.Do,chtlng ca
i ng CBCNV l yu t quan trng quyt nh sc mnh cangn hng. Hin
nay,visxuthincanhiungnhngtrongvngoinc,khitrnhcng
nghvdanhmcsnphmcskhcbitkhnglnlmthccngnhngchc
thnngcaotnhcnhtranhbngchtlngphcvcaingnhnvin.Kt
qunyphthucrtlnvotrnh,ocnghnghip,tnhnngngsng
tovthiphcvkhchhngcanhnvinngnhng. Chnhvvy,hthng
BIDV nichungvccchinhnhBIDVtrnabnTP.HCMniringcnhtsc
quantmnvictuyndng, otoingCBCNVvkhngngnghonthin
khnngphcvkhchhng:
Ci tin quy trnh tuyn dng: Thit k quy trnh tuyn dng nhn vin
mangtnhcngkhaivhplhnnhmthchinphngchmtuyndng ngun
nhnlccchtlngcaochohthngBIDV,thuhtcnhngnhnvingii,
cnnglcttvphhpvinhucucngvic,cbitltrnhngoing
pngttyucuhinhpvphttrincaBIDV.Chtlngngunnhnlcs
mbohiuqulmviccaingCBCNVtiBIDV,hnnaphnln cc
khchhngkhingiaodchvingnhngumongmunnhnvingiaodch
phictrnhchuynmn giivkhihsthyanton,tintngtrongs
dngsnphmdchvtingnhng.Ngoira,Hischnhcniuchnhchnh
sch,quytrnhtuyndngtheohngcngkhaivrrnghnnhm khcphc
khnngxuthincchintngtiucctrongcngtctuyndngcnb.
Tng cng cng tc o to: Cng tc bi dng, o to CBCNV lm
dchv cn c Hi schnh quan tm nhiu hn, thchin thng xuyn hn
nhmgpphnnngcaonhnthccngnhtrnhchuynmnvkhnngc
lp,linhhottronggiiquytvncaccnhnvinlmviclinquanncng
tcdchv.Cc khaotoiviccchinhnhvcpnhtsnphmdchv
mi,quanhkhchhng,marketing,knngbnhng,knnggiaotipngx
tnhtphicccnvthucmngdchvtiHischnhtchchngnm.
ngthi,chngtrnhotophithtsthitthcvcth.Bncnh,cc
chinhnh BIDVcngcnphichngtchccho cnb,nhnvin camnh
tham gia cc bui hun luyn thc tin hoc trao i kinh nghim nhm khng
ngngnngcaonghipvvhonthinkhnngphcvkhchhngcaing
CBCNV,nhknntchcnhngkhaotoknngnghipvchuynmn
nhoto khnngthchin ccdchv cngdng kthutcngnghhin
i,khnngnhnbitccchibnchosnphmHngnxydngi
ngnhn vin ti chinhnh c tinh thntchcc, tn tnh trong cng vic, c
nhngknngcnthitcthcungcpdchvmtcchnhanhchngvchnh
xc,ngthickhnngngxttkhitipxckhchhng.Ngoira,ccchi
nhnh BIDV cng nn lp k hoch c nhng cn b tr c nng lc i o to
chuynsucclnhvcdchvmi,cngnghhininhmxydnging
chuyngiagii,lmnngctchongunnhnlctrongtnglai.
Quantmnch quynlicaCNCNV:Trongcctiuchnhgi
CBCNVhngnmcaBIDV,phichtrngnhiuhnnkhacnhchtlng
trngtmvocngnghmimbolithcnhtranhvhnhnhmtngn
hnghinicaBIDV,ngthichunbccdnphttrinhtngcngngh,
cc chng trnhpht trinngdngmiphc v chonhu cu kinh doanh. nh
hngccchnhschphttrinsnph mdchvmiphidatrnnntngcng
nghhini,ckhnngtchhp,bsungthmnhiutinchphongphnhm
hng n p ng nhu cu a dng ca khch hng. c bit, tp trung cho h
thngCNTTvgiatngngdngccthnhtuCNTTmihtrchocchot
ngdchv,lmcsphttrinadngccdchvngnhng,ckhnngh
tr kim sot vqun tr ri romt cchhiuqu khimng li ca BIDV ngy
cngcmrng.
Ngoira,cnchtrngnvicphttrinccdchvebanking.Dchv
ngn hng in t (ebanking) chnh l xu hng pht trin tt yu ca lnh vc
ngn hng trong thi i hin nay. TrungQuc, phng chm ca kinh doanh
ngnhnglcement&mouse,cthhiulantonvnhanhchng.Trnthct
huhtccngnhnglntrnthgiiurtchtrngnvicphttrinmnh
lnh vc ebanking. Tm quan trng ca ebanking l p ng c nhu cu tit
kimthigiangiaodchcakhchhng,bilccsnphmebankingtrncs
kt hp dch v ngn hng vi ng dng cc tin ch ca mng Internet v cng
ngh thng tin s gip tng cng tnh nhanh chng ca giao dch. Do vy, bn
cnhvictiptchonthinphttrinhotngdchvngnhngtruynthng,
ymnhkhaithc nhngsnphmdchvcthmnhlunay,BIDVphi nhanh
chng nng cao chtlng canhng dch v hin i v cc knhphnphi t
ng mhin nayvn chap ngnhu cu cng nh k vng cakhchhng:
Direct banking, Internet banking, VnTopup tin hnh nng cp h thng SIBS
corebankingvynhanhvictrinkhaiccsnphmvccknhphnphimi
c Ban lnh o ph duyt: Mobile banking, BIDV@Securities, Clickcall
nng cp kh nng cung cp dch v cho nhiu khch hng hn i vi dch v
Homebankingtngcng thm tintch thanhton cadchvthngbvi
phttrin ATM/POS Chnh nhng tinchc c t vic ng dngkhai thc
im mnh, li th ca cc dch v ebanking v cc knh phn phi t ng l
cungcpsnphmdchvmi,adng,ctnhtinlicaosthuhtkhchhng
s dng sn phm ca BIDV. i vingnhng, xt trn kha cnh kinht pht
trinccknhphnphitnggiptitkimrtnhiuchiphlinquannhot
nggiaodch,thanhton,chiphkimm,ili...Vmtkinhdoanh,hiuqu
s dng vns c nngcao, cc lnh v chi tr,nh thu ca khchhngc
thchinnhanhchng,ynhanhtcquay vngvn,thchingiaodchmt
cchthunli.ylnhnglichmgiaodchkiungnhngtruynthngkh
cthtcvitcnhanh,chnhxcsoviccdchvebankingtngv
hini.
3.2.4 adnghadanhmcdchvpngnhucukhchhng
3.2.4.1Xydngchinlcphttrinsn phmdchv adngvphongph
Trongnnkinhthinhptoncu,nhucudchvcaccdoanhnghip
trnnrtadng.Do,ccdoanhnghipmongmunccungcpnhiuloi
dchvkhcnhauccnhucucahcthcpngynht.Ktqu
nghin cu cho thy khch hng nh gi tt i vi chi ph sdng dch v ti
BIDVnhngdanhmcdchvcaBIDVnnbsungthmnhiusnphmmi
nhmpngnhngnhucuphtsinhcakhchhng.Mcdhthngdanhmc
snphmdchvcaBIDVhinnaycngtngiphongphvinhiuloi
snphmrtctrnggnvihnhnhcaBIDVtinthnlngnhngphcv
tronglnhvcut,xydngcbnnhccsnphmtndng,ngtitrv
bolnhphcvcholnhvcthicngxylp,thyli,cung,utdn
btngsn,thyin,ngtu,khobi,chovayhtrxutkhu,titrXNK,
chothutichnhivithitb,mymc...nhngsovinhucucathtrng
cng nhdanh mc snphmca ccngnhngthngmi khc th BIDV cn
thiunhiudchv,nhtlccsnphmmi:baothanhton(VCB, Vietinbank,
Techcombank, VIB, ACB...), thu chi doanh nghip (ACB, HSBC, Sacombank),
thtndngdoanhnghip(ACB,Techcombank),titrNKbombnglhng
nhp (Vietinbank, Eximbank)... Trong thi gian qua, vic xy dng v pht trin
ccsnphmdchvcaBIDVchyucphttrindatrnkhnnghtr
cachngtrnhhincvccitcbnhng,hocsnphmcaccith
cnhtranhtrnthtrngcthBIDVlmtheo,ccbphnchuynmnthcs
chaphntchnhgi/dbovthtrng,khchhngmtcchchuynnghip,
bi bn, thng xuyn. C nhiu nguyn nhn: do BIDV cha tht s coi trng
cngtcny,lccnthccBanvbphntsutmmchacccchuyngia
thc hin chuyn nghip, c nhiuu minnd liu khng c tnhh thng...
Hng ti mc tiua BIDV tr thnh mt ngn hng thngmia nng vi
nhng snphmdch v adng,phong ph nhmp ngtthnnanhu cu
khchhng, vy nnvic tp trung nghin cu, xy dng vphttrindanhmc
snphmdchvngnhngpngkpthiyucucathtrngcvaitr
chnhxc,yhiuqucaccsnphm. Ttngbcchunhadanhmc
snphmdchvcaBIDV.Mtkhc,ccchinhnhlnhngnvtrctipgiao
dchvikhchhng,vvycnchngnmbtvtnghpnhucucakhch
hng,nhkbocoxutgiccBannghipvlinquanthammutrong
cngtcxydngkhochphttrinccsnphm.Bncnhvic khngngng
chun ha danh mc sn phm dch v ca mnh, BIDV cng nn nh hnh cc
nhm snphm dch v,nhm khch hngmc tiu c khoch, nhhng
trunghntronghotngkinhdoanhdchvivitngvng,tngkhuvcc
th.Txydngmtsccsnphmchuynbit,phhpcth,thiquen
tpqunvcchthcpdngivitngkhuvctrncsnghincuhiuqu,
chiph, tnh kh thi ca snphm vnh gi khnng,mc p ng cah
thng v yu cu cng ngh, qun l, o to vn hnh i vi cc sn phm
dchvmic phduyt,ccnvlinquanphithchinycngtc
chyth,kimtranhgichtlng,chnhxccasnphmtrckhia
vosdngkhaithc,cungngdchvchokhchhng.
ymnhbnchonhiuloisnphmdchv:Vinhhngmhnh
caBIDVlhotngkinhdoanhanng,dovy khnngcungngccdchv
chonhiui tng khchhng,nhiulnhvc kinhdoanh khcnhau l rt cao,
cbitlkhnngcungcpccgisnphmngb,trngivymnhbn
cho ccsnphm phitndngvdchv cacccngtythnhvinBIC,BSC,
BLC1 & BLC2 v mt s cng tylin kt khc nhm p ng mi nhu cu ca
khchhngvnhiudchvlinquan:ngnhng,bohim,ut,chngkhon,
chothutichnh,phthnhgiytcgi...quamngligiaodchcaccchi
nhnhBIDV.
3.2.4.2 Xydngchnhsch ph dchv linhhotvmangtnhcnhtranh
ivichnhschphdchvcaBIDV,hinticnhiusnphmdchv
truynthngcmcphrtcnhtranhnhdchvtikhon,ccsnphmtitr
thngmi,thanhton,chuyntin,bolnh.Cnli,huhtccsnphmkhc
u c mc gi, ph c nh gi l tng ng vi cc ngn hng khc nh
VCB, Vietinbank, cao hn mc trung bnh khi cc NHTMCP nhng thp hn
nhiusoviccngnhngncngoi.Ngoira,biuphdchvivimts
loi snphmcquy nh mctia v tithiu cc chi nhnh BIDV c th
linhhothntrongvicnhgitheotngitngkhchhng.Nhnchung,i
vikhchhnganggiaodchtiBIDV,hlunmongmunsdngdchvvi
chi ph hp l v cnh tranh. Do vy, chnhschnh gi/ph dch v ca BIDV
philuncxemxtiuchnh, cpnht nhmmbotnhhpl,linhhotv
ckhnngcnhtranhcao:
Cc chi nhnh BIDV thng xuyn thc hin kho st nm bt chnh
sch nh gi,ph dch v ca cc ngn hng thng mi khc kin ngh iu
chnhphdchv caBIDVmtcchphhp,ngthiccnvc linquan
n vic xy dngbiu phdchv tihi s chnh cngphi thng xuyn tin
hnhcpnhtthngtinbinngthtrng,gicgiaodchiuchnhgi/ph
dchvnhmcngclngtincakhchhngvtnhcnhtranhcaBIDV.
Xy dng c ch v cch thc xcnh gi bn ring cho cc sn phm
hincvccsnphmmi.Tchccnghincunhucu cngnhcthca
ccitngkhchhngkhcnhau,thchinphnkhcccitngkhchhng
aracchnhphdchvphhp,ngnhtchotngnhm.ngthi,
a ra cc tng mi trong cng tc dch v, thit k cc sn phm cho tng
nhmkhchhnghocitngkhchhngringbit.
Hi s chnh nn giaoquyn ch nghn na cho cc chinhnh BIDV
trong vic p dng cc mc ph dch v linh hot i vi tng nhm i tng
khchhngkhcnhau,pdngchonhiuloisnphmhnna.ngthi,cho
phpccchinhnhtquytnhvicgim,minphchocckhchhngcbit
tytheochnhschkhchhngcachinhnh,khnngtipcnvmccnh
tranhtrnabn.Davo,ccchinhnhBIDVtiTP.HCMschngnh
gihiuqutngthtrongvicphcvkhchhngtheohngkthpnhiusn
phmvgisnphmdchvkhcnhaucaBIDV,tchngphthuytnh
linh hot ca chnh sch gi: p dng cc mc ph dch v khc nhau, thc hin
min hocgim phgiaodchivinhngkhchhngcsdtingiln,p
dng lisutcbithocthchin uiivinhngkhchhngln,khch
hngthngxuyngiaodch
3.2.4.3 Tngcngcngtctvnvhtrkhchhng
Victhchintvnnhanhchng,hiuquchokhchhngtrongsutqu
trnhgiaodchsgipkhchhnghiurhnvccsnphmdchvcaBIDV,
gpphnlmchodanhmcsnphmdchv caBIDVcschpdnhni
vidoanhnghipvnhgipccchinhnhgichnckhchhng.Dovy
trong thi gian ti, cc chi nhnh BIDVtrn a bn TP.HCM cn tp trung cc
bn trngim,cmc cnhtranhsingnhTP.HCM.Trckhiamt
snphmminorathtrng,HSCcnccho,hngdnccchinhnh
t chc trin khai ng b v hiu qu n cc nhm khch hng v i tng
khchhngmctiu.Victrinkhaisnphmmichcthchinkhiccb
phncaBIDVcschunbynhtvarathiimthchhpphc
vkhchhngmtcchttnht.CcnvtiHSCcngphiymnhcngtc
qung b snphmdch v, tin ch ca BIDV mt cch ngb, ton dintrn
phngtinthngtinichngnhmgiithiuvhtrchinhnhtrongcngtc
bnhngvcungngdchv,thuhtkhchhngquantmvchnccloi
snphmdchvcaBIDV.
3.2.5 Cngcstincycakhchhng
3.2.5.1 Lunmbotnhcnhtranhcasnphmdchv
CcsnphmdchvcaBIDVnhnchungc2cimchnhl:(i)c
xydnglinhhotdatrncsvndngcctiuchunquctivisnphm
v kh nng p ng v cng ngh, kh nng vn hnh v qun tr ca h thng
BIDV(ii)thitkmtssnphmdchvmangtnhcthcaBIDV.Nhvy,
ccsnphmcaBIDVkhhonthin,tunthngthnglquct,gipcho
qutrnhxlnghipvcacnbgiaodchcthngnhttrongtonhthng.
ngthi,mtssnphmdchvcaBIDVvnmangtnhkhcbitsovicc
ngn hng khc. Hin nay, cc ngn hng t ngn hng quc doanh, ngn hng
thngmicphnhayngnhngncngoinhAgribank,Vietinbank,HSBC,
ACB, Sacombank, Techcombank... ty tng ngn hng u quy nh iu kin,
chunmckhcnhautrongcungcpdchvnhngcmtsiukinchungp
dngchottcccitngkhchhngdoanhnghipnh:cptndng,thchin
bolnh,titrchoccthngvXNKkhidoanhnghiphotng2nmcli,
ctithiu10%vntc,ctisnmbohpphpvngoiracncmts
iu kin ti chnh khc (v d: vn ch s hu, doanh s XK, ROE ti thiu...).
Trong khi, BIDV cchnh sch khchhng ringi vitngi tngkhc
nhaudatrncsktquxphngcatngkhchhngtheoHthngxphng
tnnhimkhchhng(lngnhngutintrinkhaivcNHNNchpthun):
khchhngcmcxphngttnnhimcao(AAA,AA,A)cthcBIDV
xemxtcungcpnhiusnphmdchvkhngcniukinvmcvnshu
ti thiu, snmhotng cngnhsnm hotng c li cadoanhnghip,
khngaraiukinvtisnmbo(cthcptndng,bolnh,phthnh
L/C,thanhtonbchngtNK,thanhtonTTRtnchp).Ngoira,vicxydng
mtssnphmdchvmangtnhcthcaBIDVgipchoviccungcp
snphmchokhchhngmtcchtondin,hiuquvhnchrirongayt
nhngkhuutincaqutrnhcungcpdchv:chovay/ngtitr/bolnh
thicngxylp,utdn,htrngnsch,thyin,btngsn,thumua
thitbmymc,ngtu...Ccngnhngkhchunhkhngthitk,banhnh
sn phm ring mang tnh chuyn su nh BIDV. Chnh v vy, cc sn phm
mang tnh c th ny, kh nng kim sot ca BIDV tt hn. Hn na, do c
hngdncthnnqutrnhtvnkhchhng,nhgithmnhphngn
cngnhqutrnhtcnghipcanhnvingiaodchcnhiuthunli,mangtnh
chuynnghipvciukinthchinnhanhchng,chnhxchn.ylmt
hngingncaBIDV,phhpviquymvtnhchthotngcngnh
nn khch hng ti BIDV, khng nh tnh cnh tranh v im mnh so vi cc
ngnhng,cbittrongkhuthmnh,titrdnkhchhngcaBIDV.
Bncnhnhnguimktrn,khnngcnhtranhcaccsnphmdch
vcaBIDVcngtntinhiuhnchnh:victhitksnphmchachtrng
nhiuvovichngtipngnhucucakhchhng,chyuhngtixy
dngquytrnhcchpngvicqunlkimsotttriromchatptrung
vo xy dng gibn snphm ring, chaxc nh c tiu chnh gi hiu
qusnphmdolmgimbtitnhlinhhotkhithchintrinkhaisn
phm,vvyccbphnclinquantiBIDVcnphinhanhchngnghincu,
iuchnhcchccsnphmdchvkhcphcnhngimyucntnti
y. Bn cnh , m bo tnh cnh tranh ca sn phm dch v nhm khng
ngng cng c s tincy ca khchhng, BIDV cntp trungvonhng vn
nhsau:
C chnh sch xy dng, o to i ng nhn vin bn hng chuyn
nghiptptrungymnhhotngtipthvquanhkhchhngcatonh
thng.Trongcchotngtipth,BIDVcnquantmhnivimctiupht
trin khch hng mi l cc doanh nghip va v nh. ng thi, ch trng n
vic gncngtchuyngvn,cptndngviviccungngccdchvngn
hngkhctheoquytrnhkhpknvcungcptrngi nchokhchhng.
CcnvclinquanncngtcphttrinsnphmtiHischnh
kpthitipthukinthamgiacaccchinhnh/bphntrcthuctrongtonh
thngvsnphmdchvsai,bsungccsnphmmiphhpvithc
tintmhiuithcnhtranh(immnh,imyu,khnngcnhtranhvicc
snphmcaithcnhtranh),phntch,dboccthtrng,ccsnphm,
dngsnphmtimnng,ckhnngphttrinmanglihiuqucao.
Nghincuvcchinlctrinkhaicchnhthcqungco,giithiu
snphmdchvcaBIDVrathtrnggnviccchngtrnhqungbhnh
nh, thng hiu ca BIDV. Xy dng cc chng trnh marketing tng th cho
hotng dch v ca BIDV, trin khai ng b v thng nht cc chng trnh
marketing, ngthivivictolpccknhbnhngphitruynthng,phttrin
ccsnphmdchvngnhngintv tngbchnhthnhmngliqun
l,cungngdchvthngnhttrongtonhthngtrinkhaibibnkhoch
phttrinhotngdchvtrongthigianti.
Xydng nhng chnh sch tong lc cho cc chinhnh BIDV trong
vicphttrindchv:nghincupdngchnhschhoahngphmangtnhph
hpnhmtoiukinnngcaokhnngcnhtranhchoccnvhischnh
yucuChinhnhumivccBanclinquannghincucchphnbph
dchvthuciviccsnphmdchvchnghnnhthanhton,thuh
giaChinhnhumivccnvphnhmmboquynlichoccnv
phtrongqutrnhthamgiapdngcc cchkhuynkhchmnhmhni
vinhngchinhnht cktquhotngdchvtt,cnggpnhiuvo
ktquhotngdchvchungcatonhthng.
CcchinhnhBIDVtunthchocaHischnhtrongvictchc
trin khai sn phm dch v, y mnh vic qung b, bn sn phm cho khch
hng. Tip nhn cc kin phn nh ca khch hng v sn phm ca BIDV,
thngxuyncnhnnh,sosnhvccsnphmcaBIDVviccsnphm
catchctndngkhctrnabnvphnnh,xutvHischnhnhng
hnch,tnti,vngmctrongqutrnhtrinkhaiccsnphmhinccng
nhnhucuxydngvphttrinccsnphmminhmpngngycngtt
hnnhucucakhchhng.
3.2.5.2 Gngishilngvtngcnghptcvikhchhng
Khi nhng nhu cu ca khch hng ngy cng pht trin a dng, mc
cnhtranhtrnthtrngngycnggaygthn,ccngnhnguchnngcao
chtlngphcv,mboshpdncasnphmgichnvthuhtc
khchhngsdngdchvcamnh.Shilngcakhchhngvchtlng
dchvlyutsngcnvlchnhmchyumccngnhnghinnayu
eoui.Nhm tciuny,ngthivimctiuthchinttqutrnh
CcchinhnhBIDVtiTP.HCMcnnhanhchngxydngcsdliu
v khch hng ca mnh, thu thp v lu tr cc thng tin lin quan n doanh
nghiptrongqutrnhgiaodchviBIDV.Csdliunyslngunthngtin
ngtincygipccchinhnhlunnhnkhchhng,cthpngnhanh
chng nhu cu ca tng khch hng khc nhau v a ra cc chng trnh tng
cngmiquanhhptcvikhchhngmtcchhiuqunht.
Xy dng cc chng trnh khch hng thn thit, thng xuyn a ra
nhngchnhschuitrongsdngdchviviccdoanhnghipcquanh
ludiviBIDV.
Khngnhngsdngccknhtruynthngtrctip(giaodch,gith,
inthoi,email,giaodchquainternet)vikhchhngmccchinhnhcnc
th ng dng nhiu hnh thc khc nhau tng cng mi quan h gn b vi
doanhnghipnh:thamgiavoccskincadoanhnghip(tngkthngnm,
thamdvocchotngxhi,ngtitrcngvidoanhnghip)cnhn
hamiquanh,banlnhotngcngnhngbuigpg,traoithngtinvi
khchhngkcccvnnmngoiphmvinhnggiaodchstonnsrng
bucthnthitgiakhchhngvingnhngtchcccchngtrnhgiaolu
ththao,vnnghgiaCBCNVngnhngvidoanhnghiphtrnhngtgii
thiusnphmmicadoanhnghip
Tngcnglinktviccdoanhnghipquavickktccchngtrnh
hptc,itcchinlc TP.HCMlmttrongnhngabncmctp
trungngnhngdycnht,doplccnhtranhiviccchinhnhBIDV
tiTP.HCMlrtln.Ccchinhnhcntodngnnkhchhngvngchcca
mnhthngquavichptc,linktludiviingdoanhnghip,doanhnhn
cathnhph.
PhthuythmnhvtichnhvtrnhqunlcaBIDVtmkim
ccchiutvonhng dncadoanhnghiptheotiuch 2bncngcli.
3.2.5.3Qungbhnh nhvthnghiucaBIDV
Nhngnmgnycsbngnqungcocaccngnhngthngmi
trnccphngtintruynthng.Mtsthnghiuivolngkhchhng
mt cch chuyn nghip nh Vietcombank, ACB, Sacombank. Trong khi , d
cha to c hnh nh n tng su mnhng nhiu ngn hng khc cng
thc hin tip th t, ng thi dnh mt khon ngn sch rt ln cho cc hot
ngtruynthngnhmkhngnhtntuicamnh.Phinirnghnh nhv
thnghiucvaitrrtquantrngtrongviccngcstincycakhchhng.
Chnhvvy,khngnhngnntiptcduytrvthvhnhnhttpcamnh
ivikhchhng,BIDVcnphiymnhhotngtruynthngvqungb
hnh nhca mnh thngqua cc chin lcmarketing vP.Rcu t mnh
m, mang tnh dihn. Da trn cc im mnh v nhng c hi trn th trng
(Ph lc 4 Phn tch SWOT), BIDV cn khng nh s khc bit v nh v
thnghiucamnhmtcchrrngtrnthtrng.Lunay,khinghnngn
hngVitNamlkhchhngchnghnstincy,titkimlisutcao,chovay
nhanh chng, l bn ng hnh, sn lng phc v nhng c im ny khng
khng nh c c trng ring c ca ngn hng, do d chi ph rt nhiu
nhngktqutruynthngskhngmanglihiuqutngxng(kinhnghim
caHSBCchothyhkhngnhskhcbitchcndavokhacnhamhiu
thtrngvvnhacangitiudng,vvvyhthnhcng:ngcpquc
tnhngamhiuaphng).
Nunhchtlngdchvlyutquantrngquytnhkhnngcnh
tranhcamingnhngthvicxydnghnhnhttptrongtmtrcakhch
hngcnglmtmctiumttcccngnhnguhngn.Hnh nhca
ngnhnglnhngcmnhnvntngcakhchhngvngnhng.chnh
lktqucaqutrnhcungcpdchvcchtlngnchokhchhng,lm
chokhchhnghilngkhisdngdchv.Hnhnhbiuhinmiquanhgia
thnghiucangnhngvslintng,nhgicakhchhngivicc
thuctnhcathnghiu.Ntythucvodanhting,uytn,lngtincakhch
hngivingnhngvcstcngtrctipnnhgicakhchhngkhi
sdngdchvcngnhstrungthnhcakhchhngvingnhng.Dovy,
cc ngn hng cn phi xy dnghnh nh ca mnh nhm thit lp mt s cm
nhnttnhtiviithcnhtranh,gipkhchhngddngnhndinc
thnghiu.iviBIDVcngvy,hnhnhcaBIDVtronglngkhchhngl
cmnhn,nhgicahivinhnghotngphcvkhchhngcach
thng BIDV. Khng nhng th, trong iu kin c rt nhiu ngn hng trong v
ngoinchotngtrnthtrnghinnay,khchhngsnhgihnhnhca
BIDVkhngnhngthngquacmnhncahivichnhhthngBIDV,m
cnsosnhhnhnhBIDVviccithcnhtranhkhc.Trong,nhiungn
hng cnhtranh rtnidanh, to n tng ttni khchhng, cbit l cc
ngnhngncngoi.Victodngchnhnhttpvkhngngngcng
chnhnhcamnhtronglngkhchhngltisnvgicabtcngnhng
phttrinhnh nhtheohgbnvng,khngngngnngcaovthcaBIDV
trn thtrng. Ngoi ra, BIDV s tip tc i u trong vic thc hin cc chnh
sch,chtrngcaChnhphvNgnhngNhnc,thchinccchnhsch
htrdoanhnghip,htrccaphngcngpnhiukhkhn,tiptctrin
khaimnhmccchnhsch nggpvxhivcngngnhthchincc
chngtrnhgyquhcbng,titrccdncngcng,thchinccchng
trnh t thin, an sinh x hi Nhng iu ny va l trch nhim ca ton h
thng BIDV, ng thi cng l c hi BIDV qung b rng ri hnh nh ca
mnh, tonhngntngtt,isuvotmtrkhchhng.Bncnh,ng
nhin tonh thng BIDVni chung v cc chi nhnh trn abn TP.HCMni
ringphi lun lun thchinnhngiu c bn vquan trngnhtl tn trng
cccamktvikhchhng,lunmbochtlngphcv viutrongcc
citindchv,pngnhucukhchhng
3.3 XUTMTSKINNGH
3.3.1Kinnghivicccquanqunlnhnc
Nn kinh t Vit Namang trong giaiontiptc tng trng,mcd
thigianquacnhhngtiucccakhnghongtichnhtoncu.Mtkhc,
ccthchlutphpvmitrngkinhdoanhhonthindn,nhucuxhingy
cng tng. Do vy, th trng dch v ngn hng c rt nhiu tim nng pht
trin.Vnlnitptrungdncngnht,cmctngtrngkinhthngu
v gi vaitr l mt trung tm thngmi dch vlnnht nc, TP.HCM l
mtabnmnhucuvgiaodchngnhngmccao.Tuyvy,giaionsp
ticnhnnhscnhtranhtronglnhvcngnhngsrtquytlit,cbit
lkhiVitNamdbhontonccrocnkthuttronglnhvctichnhngn
hngtheoltrnhcamktgianhpWTO.Vinlctngbcxydngthnhph
trthnhtrungtmthngmi,tichnh,khoahccngnghlncacncv
khu vc ng Nam, UBND thnhphara ccch tiupht trin kinh t
giai on 2006 2010 gn lin vi tng th pht trin kinh t x hi khu vc
trng im pha Nam v c nc, trong c vic xc nh mc tiu y mnh
chuyndchccukinhttheohnggiatngttrngkhuvcdchv,trong
c lnh vc ngn hng. Vi mc tiu v nhng nh hng nh vy, UBND
TP.HCM v Ngn hng Nh nc cn tch cc h tr cc ngnhng thngmi
trnnhngkhacnhnh:
NgnhngNhncvivaitrcamnh,cngviccb,banngnhc
lin quan cn tip tc tham mu cho Chnh ph trong vic ra cc chnh sch
nhm pht trin ng b th trng ti chnh: th trng tin t (tri phiu, tn
phiu),thtrngchngkhon,thtrngngoihi
Ngnhng Nhnc khngngnghon thin c ch v chnh schiu
hnh,nngcaohiuqucacccngcqunl,nhanhchngtrongviccpnht
vbanhnhccquynhchunmcvnhngloihnhdchvminhmtoiu
kin cho cc ngn hng thng mi c th ch ng, linh hot trin khai ra th
trng,pngkpthinhucucakhchhng
ynhanhqutrnhticcuhotngcaccngnhngthngmi,
khuynkhchccngnhngchtrngphttrinhotngdchv.Theotngkt
caNHNNChinhnhTP.HCM,ttrngthunhptmnghotngdchvca
ccngnhngthngmitrnabnthnhphcchiuhnglintcgiatng
quatngnm,bnhqunchungcaccngnhnghinnaykhong3032%trong
tngthunhphngnm.Vicxcnhmctiuymnhphttrinmngdchv
cahotngngnhngtrnabnthnhphlhtsccnthitvphhp,bi
vhotngdchvphttrinsgpphnnngcaotnhhiuqutrongkinhdoanh
ngnhngvthcycithinnnglccnhtranhcatngngnhngt
mbo yu cuhinhpkinht quc t,ng thi cc dch v ngnhngpht
trinsgip pngtianhngtinchchokhchhngvchonnkinht
ut nng cp c s vt cht,h tng kthut ca th trng tichnh
ngnhng,h tr ccngnhng thng mi trong vicu tvngdng cng
nghmi.
Ci cch cng tc hnh chnh trong cc lnh vc nh cp php, t chc
chng trnh khuyn mi, qung co Ngoi ra, cc ban ngnh chc nng ca
thnhphcngcnphthuyvaitriuphi,qunlvmcacquannhnc
trongvicxctcvthcyslinkt,hptccngcligiaccngnhngv
ccnvkhctrongqutrnhphttrinmtsloihnhdchv:thanhtontin
in/nc,ccvinthng,hcph,thanhtonlngquathkhuynkhchv
thcyccngnhnghptcvnngcaochtlngcamtsloihnhdchv
linktangnhngnh:dchvthATM,chuyntin,ilkiuhi,rttin,
thanhton
Tngcnghptcqucttronglnhvcdchvtichnhngnhng,to
iukinchoccngnhngtipcnvimtsngunvnuiclisutthp
ymnhqutrnhhinihangnhng
ymnhcngtcphttrinngunnhnlcctrnhchuynmngii
vtichnhngnhng,thchinchnhschuivkhuynkhchivinhng
chngtrnhotovngnhngttiuchunquct
3.3.2Nhnghnchcativkinnghchoccnghincutiptheo
Nghincu c mt s ng gp nhtnh trongvic tmhiunh gi
canhmkhchhngdoanhnghipvchtlngdchvticcchinhnhBIDV
trn a bn TP.HCM. T , xutnhng gii phpnhm gp phn nng cao
chtlngdchvticcchinhnhBIDV.Tuynhin,tikhngthtrnhkhi
nhng hnchvitngnghincuvphmvinghincu:
ti nghin cu hng n i tng khch hng doanh nghip ti
TP.HCM,nhngvictinhnhthuthpkinnhgicakhchhngqua
hnhthclymungunhincthlmchotnhidincaktqunghin
cuchamangtnhtngqutcao.
ti cha i su nghin cu nhngc tnh ring ca cc doanh nghip
trongmilinh viktqu nhgichtlngdchv cakhchhng.
Nghincuchmixemxtnthigiansdngdchv tiBIDVvs
ngnhng giao dch cadoanhnghip,chaphn tchnhngnh gi ca
khch hng trong mi linh vi loi hnh ca doanh nghip, ngnh ngh
kinhdoanh,quymcadoanhnghip
Phmvinghincuchhnchcckhchhngangsdngdchvti
ccchinhnhcaBIDV,chaciukintmhiukinnhgicacc
khch hng tng cquan h vi BIDV nhng nay khng cn giaodch
na v nhm khchhng tim nng hin cha s dng dch v ngn hng
caBIDV.
Tnhngimhnchtrn,cthgichomtsnghincutngt
tiptheo.Trncsccktqunghincurtra,ticthctinhnhvi
slngmulnhn,thchin ccbcphntch suhn,achiuvchtch
hn.ngthi,cthmrngphmvinghincuranhiuitngkhchhng
khc.Bncnh,cthngdngnidungnghincuiviccdchvkhc
caBIDVnh:bohim,chngkhon,chothutichnhbiycnglnhng
lnhvccmctngtccaogiakhchhngvnhcungcpdchv.
KTLUNCHNGIII
Thnh cng ca mt ngn hng khng nhng ph thuc vo khnng xc
nh cc dch v ti chnh m xhi c nhucu m cn ph thuc vo nnglc
trinkhaithchinccdchvmtcchchiuqu,pngckvngca
khchhng.ThchincamktcaVitNamviWTOtrongltrnhmcadch
vngnhng,nhnghnchhnhchnhhaykthutsdndncgb,ttc
cc ngn hng trong v ngoi nc u c i x bnh ng nh nhau. Trc
dinbinnhvy,cththyrngvinnglccnhtranhhnchccngnhng
VitNamangimtvinhngthchthcnglongitphaccngnhng
ncngoi.iunyihi mingnhng phikhngngngnngcaochtlng
dchvgivngcvthcamnhtrnthtrngtrncsnhnthcchnh
xcvnhucucakhchhngkpthinhramctiuutintrongchinlc
phttrinvaranhng binphpnhmcsthay iphhp. Datrnktqu
nghincuccphntrc,chngIIIxutnhnggiiphpnhmgpphn
nngcaochtlngdchvcatonhthngBIDVnichungvccchinhnh
BIDVtrnabnTP.HCMniring nhsau:
1.Chtrngncc yutlinquannshuhnh:nngcpcsvt
cht,trang thitb camngli giaodchch trngphong cch chuyn nghip
caingnhnvinhonthinchtlngcasnphmdchvnhmgignv
nngcaostnnhimcakhchhng.
2. Khng ngng nng cao s thun tin cho khch hng s dng dch v:
phttrinmngligiaodchnginthtcvquytrnhgiaodchtheohng
thnthinhn.
3.Cithinhiuquphcvkhchhng:honthinvnngcaohiuqu
phcvcaingCBCNVutphttrincngnghngnhngnhmpng
nhanhchngnhngnhucucakhchhng.
4.adnghadanhmcdchv:xydngchinlcphttrinsnphm
dchvadng v phong ph c chnh schph dch v linhhot v mangtnh
cnhtranhtngcngcngtctvnvhtrkhchhng.
5.Cngcstincycakhchhng:mbotnhcnhtranhcasnphm
dchvgngishilngvtngcnghptcvikhchhngymnhvic
qungbhnhnhvthnghiucaBIDV.
ng thi, kin ngh cc c quan chc nng ca thnh ph v Ngn hng
Nhnctiptchonthincchchnhschiuhnh,ynhanhviccicch
cngtchnhchnh,nngcphtngkthut,htrccchngtrnhutv
ngdngcngngh,phthuyvaitrqunlvm,iuphiiviccquanh
linkt,hptcgiaccngnhng,tngcnghptcquct,phttrinngun
nhn lc nhm to iu kin thun li, thc y khuyn khch cc ngn hng
khng ngng pht trin v nng cao cht lng dch v phc v khch hng,
phcvnnkinhtngycngtthn.
KTLUN
ivihotngngnhng,qutrnhhinhpkinhtquctcancta
manglinhngthayitheochiuhngtoramtthtrngmcavctnh
cnh tranh cao hn, c bit k t sau s kin mang tnh bc ngot l gia nhp
WTO.iunythcyccngnhngthngmikhngchchtrngvo vic
tngtrngquymhotngmcncnphikhngngngnngcaohiuquv
chtlngdchvcungcpnchokhchhng.
Hot ng ngnhng vn l mt lnh vc c tnh cht tng tc cao gia
khchhngvnhcungcpdchv,trongkhiccsnphm ngnhng lic
tnhphctpvihinhiuchunmcrtcao.Dovy,vicmbochtlng
ccsnphmcungcpnchokhchhngvkhngngngnngcaochtlng
dchvphi c cc ngn hng thc hinthng xuyn, bi l s hi lng ca
khchhngividchvlyutsngcnvlmctiumccngnhngu
eoui.Vimccnhtranhngycngtrnnmnhmtrongmitrngkinh
doanh,victmhiunhngnhucucakhchhng,ccyu ttcngn cht
lngdchvcangnhngcngtrnncnthithnvnhngnghincunys
gip ch cho vic thc hin chiuqu ccchnh sch, chin lc pht trin ca
ngnhng.Rrnglnukhchhngchilngkhisdngdchvthchi
gi chn khch hng tip tc s dng cc sn phmdch v ca ngn hng cng
cao,gipchongnhnggiatngdoanhs,thphn,linhunvcngchnhnh,
vthcamnhtrnthtrng.
Vinhnglluncbnvdchv,ccmhnhchtlngdchv,cng
vivictmhiuhotngcahthngBIDVcngnhcaccchinhnhBIDV
tiTP.HCM,nhngmctiucptrongtilnltctrnhbythngqua
ccsliuphntchthngkmt,phntchtincy cathango,phntch
nhnt,phntchhiquy,phntchphngsai,kimnhTh nht,khchhng
monginhtkhigiaodchviccchinhnh BIDVl:Chiphsdngdchv
hplvcnhtranh,giaodchcthchinnhanhchngvchnhxc,danhmc
snphmdchvadng.Thhai,ccyuttcngnchtlngdchvbao
gm:shuhnh,sthuntin,hiuquphcv,danhmcdchvvstincy
(vinhngthangocmtcththeotngyut).Thba,nhgiivi
cht lng dch v ti BIDV l rt tt v kh nng tip tc s dng dch v ca
khchhnglrtcao,ktqunygpphnkhngnhtruynthnghotng
luicngnhuytncamtthnghiumnhtrnthtrngcatonhthng
BIDVtrongnhngnmqua.
Vicnghincunhngnhgicakhchhngvchtlngdchvlrt
cnthitnhngdatrnktqunghincuxutccgiiphpnhmcithin
vnngcaochtlngdchvlicngcnghaquantrnghn.Chnhvvy,
nhngkinnghvxutnhmnngcaochtlngdchvtrctincnphi
chtrngnviccngcvduytrnhngthnhqumBIDVtctrong
thi gian qua, ng thi khng ngng gia tng gi tr dch v cung cp n cho
khchhng.Cthkhngnh,nngcaochtlngdchvduytrvphttrin
nnkhchhngchnhlchakhaBIDVtiptcthnhcngtrongthigianti.
Datrnccktqunghincu,tixutnhnggiiphpnhmnngcao
chtlngdchvcahthngBIDVnichungcngnhccchinhnhBIDVti
TP.HCMniring.Nhnggiiphpxutudatrnnhngcslluncng
nh c s lin h thc tin hot ng ca BIDV: nng cao cht lng phc v
khchhng,adnghadanhmcdchv,chtrngngdngcngngh,oto
ing cnb cngnhn vin chuyn nghip,pht trinmng lihotng ra
khpabnthnhph,linhhottrongchnhschgidchv,tngcngquanh
hptcvlinktvi khchhng
Trongqutrnhthchin,tichcchnkhngtrnhkhinhngthiust
nhtnh.Dovy,emrtmongsnhncnhngkinnggp,bsungca
quthyc,ngnghipvccanhch vnnghincuchonthinhn.
Trntrng.
TILIUTHAMKHO
TingVit
1.
BIDV Ban Dch v (2007), Bo co nh gi hot ng dch v 3 nm
20052007caBIDV.
2.
BIDV BanDchv(2008),Phnghnghotngkinhdoanhdchv
giaion2008 2010.
3.
BIDV BanKhochPhttrin(2007),Bocohotngnm2007.
4.
BIDV BanQunlchinhnh(2008),Bocohotngkinhdoanhca
ccchinhnhn30/9/2008.
5.
6.
7.
3.
9.
10.
11.
12.
13.
14.
15.
BIDV BanQunlchinhnh(2009),Bocohotngkinhdoanhca
ccchinhnhn31/12/2008.
BIDV BanQunlchinhnh(2009),Bocohotngkinhdoanhca
ccchinhnhn30/4/2009.
BIDVChinhnhGianh(2009),Bocotngkthotngkinhdoanh
nm2008vkhochnm2009,TiliuHinghtngktnm2008ca
BIDVChinhnhGianh.
BIDV ChinhnhSiGn(2008),Bocotngkthotngdchvv
nhhngphttrinn2010,ThamlunHinghdchvthng05/2008
tiTP.HCM.
BIDV Chinhnh TP.HCM (2008), Kinh nghim v pht trin hot ng
dchv,ThamlunHinghdchvthng05/2008tiTP.HCM.
BIDV Trung tm th (2009), Bo co hot ng h thng ATM 4 thng
unm2009.
BSC(2008),Bocohotngkinhdoanhchngkhonviccchinhnh
BIDV,ThamlunHinghdchvthng05/2008tiTP.HCM.
Dietrich Barth (2008), Thc thi cam kt thng mi dch v: Kinh nghim
quctvthchthciviVitNam,TiliuhithoThchincamkt
thngmidchvtrongWTOcaVitNam,HNi:DnMUTRAPII
SERV2.
ng Mnh Ph (2008), Tm hiu v dch v, Ti liu hi tho, H Ni:
BIDV.
ngMnhPh(2009),Chnhschutcngnghthngtinphcvcho
hotngkinhdoanhngnhng,Tiliuhitho,HNi:BIDV.
ThyLanHng(2008),nhhngcavnhacngtynscamkt
gn b vi t chc ca nhn vin cc doanh nghip ngoi quc doanh
trongnctiTP.HCM,Lunvnthcskinht,TP.HCM:ihcKinht
TP.HChMinh.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
MinhTr(2008),Dchvtrctuyn:Chivngchongnhng,Tpch
Ngnhngthng8/2008,trang7,HNi:NgnhngNhncVitNam.
Ngnhngut&PhttrinVitNam(2007), Bocothngnin2006.
Ngnhngut&PhttrinVitNam(2009), Bocothngnin2008.
NgnhngNhncChinhnhTP.HChMinh(2006),TiliuHingh
TngkthotngngnhngtrnabnTP.HCMnm2005vtrinkhai
nhimvnm2006.
NgnhngNhncChinhnhTP.HChMinh(2006), Ltrnhphttrin
dchvngnhngtrntrnabnTP.HCMgiaion20062010.
Nguyn ngPhong (2007),Dch v vpht trindchv caVit Nam
thikhuWTO,TpchPhttrinKinhtthng12/2007,trang1317.
TP.HCM:ihcKinhtTP.HChMinh.
TpchutPhttrin(2008),Ktqukhquantronghotngca
BIDV na u 2008, Tp ch u t Pht trin s 142, thng 7/2008,
trang45,HNi:BIDV.
TpchutPhttrin(2008),Hotngkinhdoanh9thngunm:
Ch ng vt qua kh khn, Tp ch u t Pht trin s 145, thng
10/2008,trang67,HNi:BIDV.
TpchutPhttrin(2009),ConngphttrinttyucaBIDV
hinti,TpchutPhttrins152,thng5/2009,trang5 7,H
Ni:BIDV.
Thi bo Ngn hng (2008), 10 Ngn hng thng mi Vit Nam c
khchhnghilngnht,ThiboNgnhngs82,ngy08/7/2008,trang
5.HNi:NgnhngNh ncVitNam.
ThiboNgnhng(2009),BIDVtrhngnnglcclp,Thibo
Ngnhng s116,ngy22/7/2009, trang5.H Ni: NgnhngNhnc
VitNam.
Tng cc Tiu chun o lng cht lng (2000), H thng qun l cht
lngTiuchunVitNamTCVNISO9001:2000sotxtln2,HNi:
TngccTiuchunolngchtlng.
31.
XavierBarr(2006),TdohalnhvcngnhngtrongbicnhVitNam
dkingianhpWTO,HNi:DnhtrthngmiabinVitNam
lnII(MUTRAPII).
TingAnh
32.
33.
34.
35.
Miguel&Salomi(2004),Assessmentofservicequalitydimensions:astudy
inavehiclerepairservicechain, p. 1,truycptiach:
http://www.poms.org/conferences/cso2007/talks/36.pdf
36.
37.
WorldTradeOrganisation(2006),PreparationbyVietnamsBankingSector
for WTO Accession, Managing the Challenges of WTO Participation, truy
cpti ach:http://www.wto.org/English/res_e/booksp_e/casestudies_e/case45_e.htm
World Trade Organisation (2007), Vietnams WTO Commitments, truy cp
tiach:http://www.wto.org/english/thewto_e/countries_e/vietnam_e.htm
Phlc1 MhnhtchccahthngBIDV
Ngnhngut&PhttrinVitNam
Hischnh
KhiCngty
Khisnghip
KhiNgnhng
VIDPublic
Bank
Cty chothu
tichnh 1
Trungtm
CNTT
Ctychothu
tichnh2
Cngty
Chngkhon
Khi LD,gpvn
CcSGD,
Chinhnh
NHLDLoVit
NHLDVitNga
Trungtm
oto
3S
Giao
dch
105
Chi
nhnh
Cty LDQunl
Quut
BVIM
Cngty
BAMC
Cty Lindoanh
ThpBIDV
Cngty
Bohim
Ccnvc
vngpCPca
BIDV
Phlc2 VtrccchinhnhBIDVtrnabnTP.HCM
STT
1
2
3
4
5
6
7
8
Chinhnh
SGiaodchII
BcSiGn
Gianh
TP.HCM
SiGn
ngSiGn
TySiGn
NamKKhiNgha
Ktquxphnghot ng
2007
2008
A
A
B
A
B
A
A
B
A
B
B
B
B
C
A
C
tyucucamtngnhngthng
vay,cbitcuthtrncclnhvc
mihinitrongthikhinhp,b
ut,xydng
myquntrcncngknh.
Timlctichnhmnh,ktqukinh
Cngnghngnhngcnyu,cha
doanhthiuqucaovccchs
cchtrngutmnhmnn
hotngtchunmcquct.
khngtheokptrnhcaccngn
hngncngoivmtsNHTMCP.
Cmiquanhttpviccban
ngnhchcnng,giaodchlunmvi
Ccsnphmdchvcungcpcha
nhiukhchhnglnlccnhchti
thtsadngvpngkpthinhu
chnh,ccdoanhnghiphnguti
cuphtsinhcakhchhng.
VitNam.
Chaxydngcmitrngv
Mngligiaodchphrngkhpcc phongcchhotngthtschuyn
tnhthnhcnc,tonbhotng
nghip.
camnglictheodi,qunl
iuhnhtptrungtiHSC,bom
Khkhntrongmrngmngli
tunthcchhotng,chunmc
giaodchdohnchngnschxy
caBIDV.
dng,uttrs.
Lngnhngln,cthnhlptrt Chachtrngnhiunvicqung
sm,douytnBIDVckhng bvphttrinthnghiuBIDV.
nh.
OpportunitiesChi
ThreatsThchthc
TnhhnhchnhtrxhitiVitNam Thchthccnhtranhvnguycmt
nnh,nnkinhtvnangtiptc
thphnntccithncngoi
tngtrng,tdohathngmithng mnhhn,chuynnghiphnkhicc
quacccamkthinhptoiukin
camktquctcthchiny.
choccdoanhnghipphttrin,iu
nyctcngtchccivicc
plccitincngnghphhpvi
ngnhng.
yucuhinhp.
Thtrngtichnhngycngpht
Ngunnhnlcchathpngnhu
trin,mitrng phplngycng
cuphttrinhinivchuynnghip
honthingipccngnhnghotng cahthngngnhng.
thunlihn.
Hinhpkinhtlmtngsnh
Khnnghptc,tmkimitc
hngtiuccbicccuckhng
chinlctngln,quacthtranh
hongtichnhvsuythoitoncu,
thcngngh,tndngvnvtrnh
ccngnhngscngbrironhiu
qunlcaccngnhngncngoi
hntrnccgiaodchquct.
Phlc4 Sphiuiutravtl%cginkhchhngccchi
nhnh
Gianh37
11%
NKKN154%
TP.HCM79
24%
TySG25
7%
BcSG36
11%
ngSG22
7%
SGDII5717%
SiGn65
19%
Phlc5 Phiuiutra
Bngcuhikhostkin
KnhchoAnh/Ch,
Ti l Nguyn Thanh Hng, hc vin cao hc ngnh thng mi i hc Kinh t
TP.HCM,angthchinnghincuvchtlngdchvticcchinhnhBIDVtrn
abnTP.HCMvimcchhctpvthchinlunvnttnghip.Timongnhn
csgiptAnh/Chthngquavictrlicccuhitrongbngkhostkin
nh km.Ticam ktmidliuthuthpcchsdng vomcchnghincu
nthun,nhngthngtintrlicadoanhnghipucgikn.
KnhmongAnh/Ch vui lngdnhthi giancv honchnhbngcu hi khost
kinviccthngtin nghdi y.
1. ThigiancngtysdngdchvtiBIDV?(Anh/Chvuilngnhdu[x]vo
trnglachn)
1.1Di1nm
1.2T1nm di3nm
1.3T3nm di5nm
1.4T5nmtrln
2. XinvuilngchobitnhngnhmsnphmdchvcngtyangsdngtiBIDV?
(Anh/Chvuilng nhdu[x]votrnglachn,Anh/Chcthchnnhiunhmsn
phmdchvkhcnhau)
2.1Tingickhn/Tingithanhton
2.2Vayvnut/Bsungvnlung/Hnmctndng
2.3Bolnhdthu/BLthanhton/BLtmng/BLthchinhpng/BLbohnh
2.4Thanhtontrongnc
2.5Thanhtonquct/Titrthngmi
2.6Muabnngoit/quynchn/khnngoit/honitintcho
2.7Dchvngnqu/thuchih/thuchitinmtlung/hoahngil
2.8 ythcthanhtonvnut
2.9Trlngtng/dchvATM&BSMS/thVisaGold(dnhchoCBCNVcacty)
2.10Hpngfuturescph/caosu
2.11Boquntisnqu,giytcgi
2.12SdngsnphmbohimBICquangnhng(Bancassurance)
2.13Muabnchngkhon/sdngdchv BIDV@SecuritiesquailnhnlnhBSC
2.14Phthnhtriphiudoanhnghip/BLphthnhtriphiu
2.15Directbanking/Internetbanking/Homebanking/Saoktikhonquaswift,email
2.16Dchvtvn/ccsnphmdchvkhc
STT
Tiuch
Hon
ton
khng
ng
Khng
ng
Bnh
thng
ng
Hon
ton
ng
(1)
(2)
(3)
(4)
(5)
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
Ngnhngcungcpdchvnh
camkt.
Ngnhngthchindchv
chnhxc,hunhkhngcsai
st.
Ngnhnglunquantmgii
quytnhngvn mkhch
hnggpphi.
Ngnhngbomtthngtin
khchhngvgiaodch.
Ngnhngcung cpthngtin
nchokhchhngyv
kpthi.
Ngnhngcaimgiaodch
thuntinchokhchhng.
Thtcgiaodchddngv
nhanhchng.
Ngnhngcmngligiao
dchrngkhp.
Ngnhngcdanhmcdchv
adngvphongph.
Ngnhngcmcphdchv
hplvcnhtranh.
Khchhngctvnkhis
dngccdchv.
Ngnhngccsvtchty
,btrpmt.
Ngnhngctrangthitbv
mymchini.
Nhnvinngnhngnmclch
thipvtrngrtchuynnghip.
Ngnhngcccchngtgiao
dchrrng,khngcsaist.
Nhnvinngnhngcungcp
dchvnhanhchngvchnh
xc.
Nhnvinngnhngctrnh
chuynmngii.
Nhnvinngnhnggip
khchhngtntnh,giiquyt
thangcckhiunica
khchhng.
Ngnhngckhchhngtn
nhim.
Hnh nhcangnhngrtquen
thucivikhchhng.
Ngnhngluncoitrngquyn
licakhchhng.
6.Anh/ChccmthyhilngvichtlngdchvcaBIDV?(Anh/Chvuilng
nhdu[x]votrnglachn)
6.1Rthilng
6.2Hilng
6.3 Kh hilng
6.4Tngikhnghilng
6.5 Hontonkhnghilng
7. Trongthigianti,cngtyctiptcsdngdchvngnhngticcchinhnh
BIDVkhng? (Anh/Chvuilng nhdu[x]votrnglachn)
7.1Chcchnstiptc
7.2 Hunhstiptc
7.3 Khngchcstiptc
7.4 Hunhkhngtiptc
7.5 Chcchnkhngtiptc
8.TheokincaAnh/Ch,ccchinhnhBIDVcnlmgnngcaochtlngdch
vnhmphcvkhchhngtthn?
Cngty:
Ngy:
XinchnthnhcmnsgipcaAnh/Ch!
Phlc7 Phntchnhntln1
KMOandBartlett'sTest
KaiserMeyerOlkinMeasureofSampling
Adequacy.
Bartlett'sTestof
Sphericity
.890
Approx.ChiSquare
df
Sig.
5906.257
210
.000
TotalVarianceExplained
Component
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
Total
9.413
1.754
1.532
1.393
1.150
.996
InitialEigenvalues
%of
Cumulative
Variance
%
44.825
44.825
8.354
53.178
7.296
60.474
6.635
67.110
5.474
72.584
4.744
77.328
.936
.897
.818
.541
.526
.222
4.456
4.272
3.897
2.578
2.505
1.059
81.784
86.057
89.953
92.532
95.037
96.096
.180
.133
.856
.635
96.952
97.587
.118
.096
.086
.077
.061
.038
.032
.560
.455
.408
.367
.291
.182
.150
98.147
98.601
99.009
99.376
99.667
99.850
100.000
ExtractionMethod:PrincipalComponentAnalysis.
ExtractionSumsofSquared
Loadings
%of
Cumulative
Total
Variance
%
9.413
44.825
44.825
1.754
8.354
53.178
1.532
7.296
60.474
1.393
6.635
67.110
1.150
5.474
72.584
RotationSumsofSquared
Loadings
%of
Cumulative
Total
Variance
%
5.074
24.160
24.160
3.410
16.236
40.396
3.297
15.699
56.095
2.056
9.793
65.887
1.406
6.696
72.584
a
RotatedComponentMatrix
HHINH1
HHINH3
HANH1
HHINH4
HHINH2
1
.890
.843
DMUC3
HANH3
.831
.829
DMUC2
.787
HANH2
TTIEN2
TTIEN1
PHVU2
.882
.878
.848
.824
PHVU3
DMUC1
TCAY3
TTIEN3
Component
3
.865
.863
.796
.568
PHVU1
TCAY2
TCAY4
TCAY1
TCAY5
ExtractionMethod:PrincipalComponentAnalysis.
RotationMethod:VarimaxwithKaiserNormalization.
a. Rotationconvergedin6iterations.
.899
.885
.738
.627
.514
Phlc8 Phntchnhntlncui
KMOandBartlett'sTest
KaiserMeyerOlkinMeasureofSampling
Adequacy.
Bartlett'sTestof
Sphericity
.884
Approx.ChiSquare
df
Sig.
5747.327
153
.000
TotalVarianceExplained
Component
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
Total
9.000
1.709
1.508
1.357
1.107
.930
InitialEigenvalues
%of
Cumulative
Variance
%
50.001
50.001
9.496
59.496
8.379
67.875
7.536
75.412
6.153
81.564
5.169
86.734
.793
.542
.226
4.404
3.011
1.255
91.137
94.148
95.403
.181
1.004
96.408
.134
.121
.096
.086
.078
.061
.039
.744
.672
.531
.476
.432
.341
.216
97.152
97.824
98.355
98.831
99.263
99.604
99.820
.032
.180
100.000
ExtractionMethod:PrincipalComponentAnalysis.
ExtractionSumsofSquared
Loadings
%of
Cumulative
Total
Variance
%
9.000
50.001
50.001
1.709
9.496
59.496
1.508
8.379
67.875
1.357
7.536
75.412
1.107
6.153
81.564
RotationSumsofSquared
Loadings
%of
Cumulative
Total
Variance
%
4.435
24.637
24.637
3.863
21.462
46.100
3.040
16.887
62.987
1.988
11.044
74.031
1.356
7.534
81.564
a
RotatedComponentMatrix
Component
HHINH1
HHINH3
HANH1
HHINH4
HHINH2
DMUC1
HANH3
DMUC3
DMUC2
TTIEN3
HANH2
TTIEN2
TTIEN1
PHVU2
PHVU1
1
.872
.866
.859
.828
.800
.897
.887
.887
.843
.869
.867
.799
.547
TCAY2
TCAY4
TCAY1
ExtractionMethod:PrincipalComponentAnalysis.
RotationMethod:VarimaxwithKaiserNormalization.
a. Rotationconvergedin6iterations.
.936
.918
.757
.651
.559
Phlc9 Phntchhiquy
a
VariablesEntered/Removed
Model
1
2
Variables
Entered
suhuu
hinh
Variables
Removed
.
suthuan
tien
hieuqua
phucvu
3
4
5
.
.
Method
Stepwise(Criteria:ProbabilityofFtoenter<=.050,
ProbabilityofFtoremove>=.100).
Stepwise(Criteria:ProbabilityofFtoenter<=.050,
ProbabilityofFtoremove>=.100).
Stepwise(Criteria:ProbabilityofFtoenter<=.050,
ProbabilityofFtoremove>=.100).
danhmuc
dichvu
Stepwise(Criteria:ProbabilityofFtoenter<=.050,
ProbabilityofFtoremove>=.100).
sutincay
Stepwise(Criteria:ProbabilityofFtoenter<=.050,
ProbabilityofFtoremove>=.100).
a. DependentVariable:danhgiachatluongdichvu
f
ModelSummary
Model
1
2
3
4
5
R
RSquare
.716a
.513
.849b
.720
.888c
.788
.908d
.919e
Adjusted
RSquare
.511
.718
.786
Std.Errorof
theEstimate
.51214
.38869
.33900
.821
.842
.30954
.29125
.824
.845
DurbinW atson
1.700
a. Predictors:(Constant),suhuuhinh
b.Predictors:(Constant),suhuuhinh,suthuantien
c.Predictors:(Constant),suhuuhinh,suthuantien,hieuquaphucvu
d.Predictors:(Constant),suhuuhinh,suthuantien,hieuquaphucvu,
danhmucdichvu
e. Predictors:(Constant),suhuuhinh,suthuantien,hieuquaphucvu,
danhmucdichvu,sutincay
f. DependentVariable:danhgiachatluongdichvu
ANOVAf
Model
1
Regression
Residual
Total
Regression
Residual
Total
Regression
Residual
Total
Regression
Residual
Total
Regression
Residual
Total
Sumof
Squares
75.305
71.604
df
1
273
MeanSquare
75.305
.262
F
287.108
Sig.
.000a
52.908
.151
350.208
.000b
38.588
335.772
.000c
146.909
105.816
41.093
146.909
115.765
274
2
272
274
3
31.144
146.909
271
274
.115
121.039
25.870
4
270
30.260
.096
315.815
.000d
146.909
124.091
22.818
146.909
274
5
269
274
24.818
.085
292.582
.000e
a. Predictors:(Constant),suhuuhinh
b.Predictors:(Constant),suhuuhinh,suthuantien
c.Predictors:(Constant),suhuuhinh,suthuantien,hieuquaphucvu
d.Predictors:(Constant),suhuuhinh,suthuantien,hieuquaphucvu,danhmucdichvu
e. Predictors:(Constant),suhuuhinh,suthuantien,hieuquaphucvu,danhmucdichvu,
sutincay
f. DependentVariable:danhgiachatluongdichvu
Coefficientsa
Model
1
2
(Constant)
suhuuhinh
(Constant)
suhuuhinh
suthuantien
Collinearity
Statistics
Beta
Sig.
.000
.000
.000
.000
Tolerance
.654
t
34.300
16.944
22.094
20.199
.460
14.211
.000
.716
VIF
1.000
1.000
.982
1.019
.982
1.019
.000
.000
.841
1.189
.966
.833
1.035
1.201
.028
1.725
.398
.090
.022
.546
19.072
17.914
suthuantien
hieuquaphucvu
(Constant)
suhuuhinh
suthuantien
.375
.241
.025
.026
.427
.285
14.997
9.304
.000
.000
.634
.169
3.760
.000
.396
.339
.020
.023
.543
.385
19.478
14.502
.000
.000
.841
.924
1.189
1.083
hieuquaphucvu
.203
.327
.024
.044
.240
.201
8.374
7.419
.000
.000
.795
.887
1.258
1.128
.114
.202
.564
.574
.389
.326
.019
.022
.533
.371
20.301
14.770
.000
.000
.838
.915
1.194
1.093
.177
.306
.023
.042
.210
.189
7.644
7.362
.000
.000
.768
.881
1.302
1.135
.239
.040
.151
5.998
.000
.908
1.102
danhmucdichvu
(Constant)
suhuuhinh
suthuantien
hieuquaphucvu
danhmucdichvu
Standardized
Coefficients
.404
(Constant)
suhuuhinh
Unstandardize
dCoefficients
Std.
B
Error
3.021
.088
.522
.031
2.079
.094
.477
.024
sutincay
a. DependentVariable:danhgiachatluongdichvu
ExcludedVariablese
Model
1
3
4
danhmucdichvu
suthuantien
hieuquaphucvu
sutincay
danhmucdichvu
hieuquaphucvu
sutincay
danhmucdichvu
sutincay
sutincay
CollinearityStatistics
Minimum
Tolerance
VIF
Tolerance
.982
1.019
.982
.982
1.019
.982
.846
1.182
.846
.973
1.028
.973
.929
1.076
.929
.833
1.201
.833
BetaIn
.343a
.460a
.343a
.274a
.250b
.285b
t
9.185
14.211
8.351
6.925
8.409
9.304
Sig.
.000
.000
.000
.000
.000
.000
Partial
Correlation
.487
.653
.452
.387
.455
.492
.214b
.201c
.167c
7.089
7.419
6.060
.000
.000
.000
.396
.412
.346
.954
.887
.914
1.048
1.128
1.094
.954
.795
.798
.151d
5.998
.000
.343
.908
1.102
.768
a. PredictorsintheModel:(Constant),suhuuhinh
b. PredictorsintheModel:(Constant),suhuuhinh,suthuantien
c. PredictorsintheModel:(Constant),suhuuhinh,suthuantien,hieuquaphucvu
d. PredictorsintheModel:(Constant),suhuuhinh,suthuantien,hieuquaphucvu,danhmucdichvu
e. DependentVariable:danhgiachatluongdichvu
a
CollinearityDiagnostics
VarianceProportions
Eigenvalue
1.936
Condition
Index
1.000
(Constant)
.03
suhuuhinh
.03
.064
2.865
5.522
1.000
.97
.01
.97
.01
.01
.095
5.503
.01
.76
.36
.041
3.802
8.409
1.000
.98
.00
.23
.01
.63
.01
.01
.097
6.264
.02
.46
.44
.04
.064
.037
7.694
10.134
.00
.98
.49
.04
.12
.44
.75
.20
4.778
1.000
.00
.00
.00
.00
.00
.101
.065
6.891
8.576
.00
.00
.53
.46
.28
.23
.05
.59
.00
.00
.051
9.726
.07
.00
.48
.33
.05
.006
5.757
27.625
1.000
.93
.00
.00
.00
.01
.00
.01
.00
.94
.00
.00
.103
7.468
.00
.57
.19
.06
.00
.00
.067
.057
9.302
10.015
.00
.02
.36
.06
.47
.32
.33
.57
.00
.01
.01
.02
5
6
.011
.005
23.116
34.260
.00
.98
.00
.00
.01
.01
.00
.03
.50
.47
.58
.39
Model
1
Dimension
1
2
1
2
3
1
2
3
4
1
2
3
4
5
1
2
3
suthuantien
hieuqua
phucvu
danhmuc
dichvu
a. DependentVariable:danhgiachatluongdichvu
ResidualsStatisticsa
PredictedValue
Residual
Std.PredictedValue
Std.Residual
Minimum
2.8949
.5047
2.264
Maximum
6.7477
.5361
3.462
Mean
4.4182
.0000
.000
Std.Deviation
.67297
.28858
1.000
N
275
275
275
1.733
1.841
.000
.991
275
a. DependentVariable:danhgiachatluongdichvu
sutincay
Phlc10 PhntchANOVA:skhcbitvnhgichtlngdchv
giaccnhmkhchhngcthigiansdngdchvkhcnhau
Descriptives
danhgiachatluongdichvu
95%Confidence
IntervalforMean
Lower
Upper
Bound Bound
3.67
4.33
N
31
Mean
4.00
Std.
Deviation
.894
Std.
Error
.161
35nam
tren5nam
98
114
32
3.85
4.33
4.38
.751
.619
.707
.076
.058
.125
3.70
4.22
4.12
Total
275
4.13
.746
.045
4.04
duoi1nam
13nam
Minimum
2
Maximum
5
4.00
4.45
4.63
3
3
3
5
5
5
4.22
F
9.857
Sig.
.000
TestofHomogeneityofVariances
danhgiachatluongdichvu
Levene
Statistic
1.776
df1
3
df2
271
Sig.
.152
ANOVA
danhgiachatluongdichvu
BetweenGroups
W ithinGroups
Sumof
Squares
15.008
137.537
Total
PostHocTests
152.545
df
3
271
274
MeanSquare
5.003
.508
MultipleComparisons
DependentVariable:danhgiachatluongdichvu
Tamhane
(I)thoigiansu
dungdichvu
duoi1nam
(J)thoigiansu
dungdichvu
13nam
35nam
Mean
Difference
(IJ)
.15
.33
Sig.
.950
.303
LowerBound
.34
.81
UpperBound
.64
.14
tren5nam
duoi1nam
.38
.15
.49*
.53*
.33
.204
.178
.095
.146
.171
.356
.950
.000
.004
.303
.93
.64
.74
.93
.14
.18
.34
.23
.13
.81
13nam
tren5nam
.49*
.04
.095
.138
.000
1.000
.23
.42
.74
.34
duoi1nam
13nam
.38
.53*
.04
.204
.146
.138
.356
.004
1.000
.18
.13
.34
.93
.93
.42
tren5nam
13nam
35nam
tren5nam
95%ConfidenceInterval
Std.Error
.178
.171
duoi1nam
35nam
35nam
*.Themeandifferenceissignificantatthe.05level.
MeansPlots
4.5
Meanofdanhgiachatluongdichvu
4.4
4.3
4.2
4.1
4.0
3.9
3.8
duoi1nam
13nam
35nam
tren5nam
thoigiansudungdichvu
Phlc11 PhntchANOVA:skhcbitvnhgichtlngdchv
giaccnhmkhchhngcslngsnphmdchvsdngkhcnhau
Descriptives
danhgiachatluongdichvu
1
2
3
N
7
Mean
3.86
Std.
Deviation
.690
Std.
Error
.261
41
83
4.15
4.28
.823
.686
.129
.075
3.89
4.13
62
41
24
9
5
3
4.00
4.00
4.04
4.33
4.40
4.33
.747
.806
.690
.707
.894
.577
.095
.126
.141
.236
.400
.333
275
4.13
.746
.045
4
5
6
7
8
9
Total
95%Confidence
IntervalforMean
Lower
Upper
Bound
Bound
3.22
4.50
Minimum
3
Maximum
5
4.41
4.43
3
2
5
5
3.81
3.75
3.75
3.79
3.29
2.90
4.19
4.25
4.33
4.88
5.51
5.77
3
3
3
3
3
4
5
5
5
5
5
5
4.04
4.22
TestofHomogeneityofVariances
danhgiachatluongdichvu
Levene
Statistic
.844
df1
8
df2
266
Sig.
.565
ANOVA
danhgiachatluongdichvu
BetweenGroups
Sumof
Squares
5.115
df
8
MeanSquare
.639
.554
W ithinGroups
147.431
266
Total
152.545
274
PostHocTests
F
1.154
Sig.
.328
MultipleComparisons
DependentVariable:danhgiachatluongdichvu
Tamhane
(I)sanpham
dichvusudung
1
Mean
Difference
(IJ)
.29
.42
.14
Std.Error
.291
.271
.278
Sig.
1.000
.999
1.000
.14
.18
.48
.290
.296
.352
1.000
1.000
1.000
1.45
1.49
1.89
1.17
1.12
.94
.54
.48
.29
.478
.423
.291
1.000
1.000
1.000
2.93
3.35
1.02
1.84
2.40
1.60
.13
.15
.15
.149
.160
.180
1.000
1.000
1.000
.63
.38
.45
.36
.67
.74
.10
.19
.25
.191
.269
.420
1.000
1.000
1.000
.54
1.26
2.99
.75
.89
2.48
.19
.42
.13
.357
.271
.149
1.000
.999
1.000
5.30
.96
.36
4.93
1.80
.63
.28
.28
.24
.121
.147
.160
.580
.904
.997
.12
.21
.32
.67
.76
.79
.06
.12
.06
.247
.407
.342
1.000
1.000
1.000
1.15
3.09
7.13
1.03
2.85
7.01
.14
.15
.28
.278
.160
.121
1.000
1.000
.580
1.20
.67
.67
1.49
.38
.12
.00
.04
.33
.158
.170
.254
1.000
1.000
1.000
.52
.62
1.41
.52
.54
.75
.40
.33
.14
.411
.347
.290
1.000
1.000
1.000
3.29
6.66
1.17
2.49
5.99
1.45
.15
.28
.00
.180
.147
.158
1.000
.904
1.000
.74
.76
.52
.45
.21
.52
.04
.33
.40
.189
.267
.419
1.000
1.000
1.000
.68
1.41
3.14
.59
.74
2.34
.33
.18
.10
.356
.296
.191
1.000
1.000
1.000
5.53
1.12
.75
4.87
1.49
.54
.24
.04
.04
.160
.170
.189
.997
1.000
1.000
.79
.54
.59
.32
.62
.68
.29
.36
.29
.275
.424
.362
1.000
1.000
1.000
1.38
3.04
5.03
.79
2.32
4.44
.48
.19
.06
.352
.269
.247
1.000
1.000
1.000
.94
.89
1.03
1.89
1.26
1.15
6
8
9
1
.33
.33
.29
.254
.267
.275
1.000
1.000
1.000
.75
.74
.79
1.41
1.41
1.38
.07
.00
.54
.464
.408
.478
1.000
1.000
1.000
2.46
3.02
1.84
2.32
3.02
2.93
2
3
4
.25
.12
.40
.420
.407
.411
1.000
1.000
1.000
2.48
2.85
2.49
2.99
3.09
3.29
5
6
7
.40
.36
.07
.419
.424
.464
1.000
1.000
1.000
2.34
2.32
2.32
3.14
3.04
2.46
9
1
2
.07
.48
.19
.521
.423
.357
1.000
1.000
1.000
2.88
2.40
4.93
3.02
3.35
5.30
3
4
5
.06
.33
.33
.342
.347
.356
1.000
1.000
1.000
7.01
5.99
4.87
7.13
6.66
5.53
6
7
8
.29
.00
.07
.362
.408
.521
1.000
1.000
1.000
4.44
3.02
3.02
5.03
3.02
2.88
(J)sanpham
dichvusudung
2
3
4
5
6
7
8
9
1
3
4
5
6
7
8
9
1
2
4
5
6
7
8
9
1
2
3
5
6
7
8
9
1
2
3
4
6
7
8
9
1
2
3
4
5
7
8
9
1
2
3
4
5
95%ConfidenceInterval
LowerBound
UpperBound
1.60
1.02
1.80
.96
1.49
1.20
MeansPlots
4.5
Meanofdanhgiachatluongdichvu
4.4
4.3
4.2
4.1
4.0
3.9
3.8
1
sanphamdichvusudung
Phlc12 PhntchANOVA:skhcbitvnhgichtlngdchv
giaccnhmkhchhngcslngngnhnggiaodchkhcnhau
Descriptives
danhgiachatluongdichvu
1nganhang
23nganhang
45nganhang
hon5nganhang
Total
N
12
133
Mean
4.33
4.28
Std.
Deviation
.778
.732
Std.
Error
.225
.063
113
17
275
3.96
3.88
4.13
.693
.928
.746
.065
.225
.045
95%Confidence
IntervalforMean
Lower
Upper
Bound Bound
3.84
4.83
4.15
4.40
3.84
3.41
4.04
Minimum
3
3
Maximum
5
5
3
2
2
5
5
5
4.09
4.36
4.22
TestofHomogeneityofVariances
danhgiachatluongdichvu
Levene
Statistic
3.399
df1
3
df2
271
Sig.
.018
ANOVA
danhgiachatluongdichvu
BetweenGroups
W ithinGroups
Total
Sumof
Squares
7.549
144.997
152.545
df
3
271
274
MeanSquare
2.516
.535
F
4.703
Sig.
.003
PostHocTests
MultipleComparisons
DependentVariable:danhgiachatluongdichvu
Tamhane
(I)songanhang
giaodich
1nganhang
Mean
Difference
(IJ)
.06
.37
Std.Error
.234
.234
Sig.
1.000
.593
LowerBound
.67
.36
UpperBound
.78
1.09
.45
.06
.318
.234
.668
1.000
.45
.78
1.36
.67
.31*
.40
.091
.234
.004
.493
.07
.29
.56
1.08
1nganhang
23nganhang
.37
.31*
.08
.45
.40
.234
.091
.234
.318
.234
.593
.004
1.000
.668
.493
1.09
.56
.61
1.36
1.08
.36
.07
.77
.45
.29
45nganhang
.08
.234
1.000
.77
.61
(J)songanhang
giaodich
23nganhang
45nganhang
hon5nganhang
23nganhang
1nganhang
45nganhang
hon5nganhang
1nganhang
45nganhang
23nganhang
hon5nganhang
hon5nganhang
95%ConfidenceInterval
*.Themeandifferenceissignificantatthe.05level.
MeansPlots
4.4
Meanofdanhgiachatluongdichvu
4.3
4.2
4.1
4.0
3.9
3.8
1nganhang
23nganhang
songanhanggiaodich
45nganhang
hon5nganhang