Bai Thuc Tap Cua Thao

7/31/2019 Bai Thuc Tap Cua Thao

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n

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B GIO DC V O TO

TRNG I HC CNG NGH SI GNKHOA QUN TR KINH DOANH

BO CO THC TP TT NGHIP

TM HIU HOT NG CHO VAYTIU DNG NGN HNG CNG

THNG VIT NAM_CHI NHNH

BNH NH

GVHD: ThS.PHM V NH

SVTH :NGUYN TH XUN THO

LP : QT206.4

THNG 03 NM 2010


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LI CM N

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


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NHN XT CA N V THC TP

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PHN M U

1. L do chn ti

Kinh t Vit Nam c nhng bc pht trin ng k trn mi lnh vc

ca i sng x hi. Hot ng u t, xy dng, thng mi, pht trin toiu kin thun li cho tng vic lm, tng thu nhp, nng cao i sng vt cht vtinh thn cho ngi dn. Trn thc t, thc y x hi pht trin th nhu cu cangi dn cn c khng nh, l knh gin tip gp phn to mt x hi vinn kinh t pht trin. Nhng phn ln ngi tiu dng khng th chi tr cho tt cnhu cu mua sm cng lc, c bit l nhng ti sn c gi tr ln. Thc t ny

pht sinh nhu cu vay tiu dng v cc ngn hng thng mi chnh l ni cungcp dch v . Cho vay tiu dng ra i to iu kin gip ngi dn c th

tho mn nhu cu ca mnh trc khi c kh nng thanh ton, mang li nhiu lich cho x hi nh gp phn tng sc mua, tng tc lu chuyn hng ho trnth trng,ng thi to ra ngun thu nhp ng k cho ngn hng.

Mc d cho vay tiu dng l sn phm tn dng xut hin t lu i trn thgii v hin nay ang pht trin rt mnh, nht l cc nc ang c tim lc vkinh t v cnh tranh ngn hng si ng, nhng n ch mi pht trin mt vinm gn y Vit Nam. Trong xu hng hi nhp quc t, cc ngn hng ncngoi, ngn hng lin doanh, ngn hng thng mi quc doanh, ngn hng

thng mi c phn,ang cnh tranh mnh m cc sn phm tn dng tiu dng,thu ht khch hng c nhn. Nng ng nht chnh l cc NHTM c phn lintc a ra cc sn phm tin ch, nh: cho vay siu tc, ng k vay qua mngInternet, li sut cho vay hp dn, k hn cho vay di, cho vay ti 70% gi tr nginh hay xe t

Trong qu trnh thc tp ti phng khch hng c nhn ca Ngn hng CngThng Vit Nam-Chi nhnh Bnh nh, em tm hiu vn ny v vitthnh ti: Tnh hnh hot ng cho vay tiu dng ti Ngn hng Cngthng Vit Nam - Chi nhnh Bnh nh.

2. Mc ch nghin cu

Tm hiu tnh hnh hot ng tn dng cho vay i vi ngn hng

Qui trnh cho vay tiu dng i vi ngn hng TMCP Cng Thng VitNam chi nhnh Tnh Bnh nh

Trn c s thc trng hot ng cho vay ra nhng bin php nhm nng

cao hiu qu cho vay tiu dng

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3. Phng php nghin cu

Tm hiu cc vn bn ,cng vn ti ngn hng TMCP Cng Thng Vit Nam_chinhnh Bnh nh

Thng k, phn tch, quan st thc t v cc ti liu khc lin quan.

4. Phm vi nghin cu

Vic nghin cu c thc hin ti phng khch hng c nhn Ngn hng TMCPCng Thng _chi nhnh Bnh nh.

5. Kt cu ni dung

Chng 1:C s l lun chung v tn dng ngn hng.

Chng 2:Thc trng hot ng tn dng i vi cho vay tiu dng ngn hngTMCP Cng Thng Vit Nam_chi nhnh Bnh nh.

Chng 3: Mt s gii php nng cao hiu qu hot ng cho vay tiu dng.

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CHNG 1: C S L LUN CHUNG V TN DNGNGN HNG

1. Nhng vn c bn v tn dng ngn hng1.1. Khi nim v tn dng ngn hng

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

C s chuyn nhng quyn s dng vn t ngi s hu sang chongi s dng

S chuyn nhng ny c thi hn

S chuyn nhng ny c chi ph

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

Tn dng l mt phm tr ca nn kinh t hng ha, c qu trnh ra i v phttrin cng vi s pht trin ca nn kinh t hng ha .

Lc u, cc quan h tn dng hu ht u l tn dng bng hin vt v mt phn

nh tn dng hin kim, tn ti di tn tn dng nng li, c s ca quan h tndng lc by gi l s pht trin bc u ca cc quan h hng ha tin t trongiu kin ca nn sn xut hng ha km pht trin.

Cc quan h tn dng pht trin trong thi k chim hu n l v ch phongkin , phn nh thc trng ca mt nn kinh t sn xut hng ha nh.

Ch n khi phng thc sn xut TBCN ra i, cc quan h tn dng mi c iukin d pht trin .Tn dng bng hin vt nhng ch cho tn dng bng hin

kim, tn dng nng li phi kinh t nhng ch cho cc loi tn dng khc uvit hn nh tn dng ngn hng , tn dng chnh ph,

Tn dng c mt qu trnh tn ti v pht trin lu di qua nhiu hnh thi kinh tx hi, tuy c nhiu hnh thc khc nhau,nhng u c tnh cht chung nh sau:

Tn dng trc ht ch l s chuyn giao quyn s dng mt s tin (hin kim) hoc ti sn (hin vt) t ch th ny sang ch th khc, chkhng lm thay i quyn s hu chng.

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

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Gi tr ca tn dng khng nhng c bo tn m cn c nngcao nh li tc tn dng.

1.3. Bn cht, vai tr ca tn dng ngn hng

1.3.1. Bn cht ca tn dng

Tn dng l quan h kinh t pht sinh gia ngi i vay v ngi cho vay, nhquan h y m vn tin t c vn ng t ch th ny sang ch th khc sdng cho nhu cu khc nhau trong nn kinh t x hi.

Tn dng c coi l mt s vn, lm bng hin vt hoc bng hin kim vn ngtheo nguyn tc hon tr, p ng cho cc nhu cu ca cc ch th tn dng.

1.3.2. Vai tr ca tn dng

Trong qu trnh sn xut kinh doanh ca cc cng ty, x nghip th cn phi duy trs hot ng khng b gin on. Do , cc yu cu v ngun vn l mt trongnhng mi quan tm hng u. Chnh v th, tn dng vi t cch l mt trongnhng cng c tp trung vn v tn dng tt c cc ngun vn khc trong xhi nhm cung ng vn cho cc cng ty, x nghip, t chc kinh t pht trin snxut kinh doanh.

Tn dng ra i gp phn thc y sn xut lu thng hng ha. Bi v, tn

dng l ngun cung ng vn cho cc doanh nghip t chc kinh t v l mt trongnhng cng c tp trung vn mt cch hu hiu trong nn kinh t.

Mt khc, h thng giao dch ngy cng pht trin cho nn y l mt nhn t lmgim lm pht, lm tin quan trng thc y sn xut v lu thng hngha. Tn dng c vai tr quan trng m rng v pht trin cc mi quan h kinht i ngoi, m rng giao lu quc t nhm gip v gii quyt v vn ca minc gp phn lm cho quc gia c iu kin pht trin kinh t.

1.4. Phn loi tn dng ngn hng

1.4.1. Da vo mc ch ca tn dng:

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

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1.4.2. Da vo thi hn tn dng:

- Cho vay ngn hn: L loi cho vay c thi hn n mt nm. Mc ch ca loicho vay ny thng l nhm ti tr cho vic u t vo ti sn lu ng.

- Cho vay trung hn: L loi cho vay c thi hn trn 1 nm n 5 nm. Mc chca loi cho vay ny l nhm ti tr cho vic u t vo ti sn c nh.

- Cho vay di hn : L loi cho vay c thi hn trn 5 nm. Mc ch ca loi chovay ny thng l nhm ti tr u t vo cc d n u t.

1.4.3. Da vo mc tn nhim ca khch hng :

- Cho vay khng c bo m : L loi cho vay khng c ti sn th chp, cm choc bo lnh ca ngi khc m ch da vo uy tn ca bn thn khch hng vay

vn quyt nh cho vay.- Cho vay c bo m: L loi cho vay da trn c s c bo m cho tin vay nhth chp, cm c, hoc bo lnh ca bn th ba no khc.

1.4.4. Da vo phng thc cho vay:

- Cho vay tng ln (theo mn).

- Cho vay theo hn mc tn dng.

1.4.5. Da vo phng thc hon tr n vay- Cho vay ch c mt k hn tr n hay cn gi l cho vay tr n mt ln khi ohn.

- Cho vay c nhiu k hn tr n hay cn gi l cho vay tr gp.

- Cho vay tr n nhiu ln nhng khng c k hn n c th m ty kh nng tichnh ca mnh ngi i vay c th tr n bt k lc no.

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

1.1. Khi nim cho vay tiu dng

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

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1.2. c im cho vay tiu dng

1.2.1. V quy m

Do cho vay tiu dng l khon cho vay cp cho cc c nhn, h gia nh khng

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

1.2.2. V li sut

Cc khon cho vay tiu dng c li sut cao hn cc khon cho vay i vi doanhnghip. Li sut cho vay tiu dng thng l tha thun.

Ngi tiu dng thng quan tm n khon tin h phi tr hng thng hn l lisut ca khon vay. Bn cnh mc thu nhp v trnh dn tr cng tc ngrt ln n vic s dng cc khon cho vay tiu dng. Nhng ngi c thu nhpcao c xu hng vay nhiu hn so vi thu nhp hng nm m mnh c c.

Nhng gia nh m ngi ch gia nh hay ngi to thu nhp chnh c trnh ,

c hc vn cao th vic vay mn l mt cng c t c mc sng nh mongmun.

1.2.3. V ri ro

Cc khon cho vay tiu dng c chi ph ln nht v c ri ro cao nht trongdanh mc cc khon cho vay ca ngn hng thng mi.

Li sut cho vay tiu dng l c nh v c xc nh da trn li sut c bncng vi mc li sut cn bin v phn b ri ro. Nu li sut trn th trng vn

tng m li sut ca cc khon cho vay tiu dng l c nh v cng nhc s khincho ngn hng phi b p mc li sut huy ng vn m khng c thay i lisut cho vay tiu dng. l ri ro v li sut.

Bn cnh l ri ro v tn dng. Ngun ti chnh chi tr cho khon vay tiudng khng phi da vo li nhun hay bt ngun t khon vay em li m n

ph thuc vo mt ngun khc c lp hon ton vi ngun vay, chnh l thunhp ca ngi vay mang li. iu s mang li nhng ri ro mang tnh khchquan v ch quan nh: tnh hnh kinh t v m bt n, thin tai, tnh trng tht

nghip gia tng, tnh trng sc khe, cng vic, o c ca ngi vay.

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Qun l sau cho vay cng l mt vn ln m ngn hng gp phi do quy mmn vay nh nhng s lng cc mn vay li ln v th vic kim sot v tnhhnh thu nhp v kh nng ti chnh ca tng khch hng i vi tt c cc mnvay khng phi l iu d dng. N ph thuc rt ln vo o c ca ngi vay.

1.2.4. V li nhun:

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

1.3. Vai tr cho vay tiu dng

Mt hnh thc cho vay mun tn ti v pht trin trong hot ng ca ngn hngth bn thn n phi em li nhng li ch thit thc cho nhng ngi to ra vs dng n. Hnh thc cho vay tiu dng xut hin t lu v cho n nay hot

ng ca n vn khng ngng c cc ngn hng quan tm pht trin, khchhng s dng, chnh ph cc nc ng tnh ng h.

1.3.1. i vi ngn hng

Ngoi hai nhc im chnh l ri ro v chi ph cao, cho vay tiu dng c nhngli ch quan trng nh:

- Cho vay tiu dng gip tng kh nng cnh tranh ca ngn hng vi cc ngnhng v cc t chc tn dng khc, thu ht c i tng khch hng mi, t m m rng quan h vi khch hng. Bng cch nng cao v m rng mng li,a dng ho sn phm, nng cao cht lng dch v cho vay tiu dng, s lngkhch hng n vi ngn hng s ngy cng nhiu hn v hnh nh ca ngn hngs cng p hn trong con mt khch hng. Trong ngh ca cng chng, ngnhng khng ch l t chc ch bit quan tm n cc cng ty v doanh nghip mngn hng cn rt quan tm ti nhng nhu cu nh b, cn thit ca ngi tiudng, p ng nguyn vng ci thin i sng ca ngi tiu dng. T m uytn ca ngn hng ngy cng c nng cao hn.

- Cho vay tiu dng cng l mt cng c marketing rt hiu qu, nhiu ngi sbit ti ngn hng hn. T m ngn hng cng s huy ng c nhiu nguntin gi ca dn c.

- Cho vay tiu dng to iu kin m rng v a dng ho kinh doanh t mnng cao thu nhp v phn tn ri ro cho ngn hng.

1.3.2. i vi ngi tiu dng

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

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

c th gp rt nhiu phin toi trong cuc sng.

1.3.3. i vi nn kinh t

Cho vay tiu dng gp phn khi thng lung chuyn dch hng ho. Qu trnh snxut v lu thng hng ho nu nh khng c tiu dng th tt yu s b tc nghn,hng ho khng tiu th c dn ti doanh nghip b ng vn v ng nhinqu trnh sn xut khng th tip tc. Vai tr ca ngn hng lc ny tr nn quantrng hn bao gi ht. Ngn hng cho ngi tiu dng vay vn to ra kh nngthanh ton cho h trc khi h tch lu s tin cn thit. Khch hng c tin stm n doanh nghip mua hng v doanh nghip tiu th c hng ho, sau mi c kh nng thanh ton n cho ngn hng. Khi tiu th c hng ho,doanh nghip s m rng sn xut v s tm ti ngn hng tip tc vay vn.

Nh vy, ngn hng cho vay tiu dng s c li cho c ba bn: ngi tiu dng,doanh nghip v ngn hng hay chnh l c li cho c nn kinh t. Tm li, chovay tiu dng c dng ti tr cho chi tiu v hng ho v dch v trong ncth n c tc dng rt tt cho vic kch cu, to iu kin thc y tng trngkinh t. Song, nu cc khon cho vay tiu dng khng c dng nh vy th

chng nhng khng kch c cu m nhiu khi cn lm gim kh nng tit kimtrong nc.

1.4. Phng thc cho vay tiu dng

1.4.1. Cn c vo mc ch vay:

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

- Cho vay tiu dng c tr (residential morage loan) l cc khon cho vay nhm

phc v cho nhu cu xy dng, mua sm hay ci to nh ca cc c nhn, h gianh.

- Cho vay tiu dng khng c tr (nonresidential morage loan) l cckhon cho vay phc v nhu cu ci thin i sng nh mua sm phng tin, dng, du lch, hc hnh hoc gii tr

1.4.2. Cn c vo ngun gc ca cc khon n

C th chia cho vay tiu dng thnh 2 loi:

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- Cho vay gin tip l hnh thc cho vay trong ngn hng mua cc khonn pht sinh ca cc doanh nghip bn chu hng ho hoc cung cp cc dchv cho ngi tiu dng, hnh thc ny ngn hng cho vay thng qua cc doanhnghip bn hng hoc lm cc dch v m khng trc tip tip xc vi khch hng.

- Cho vay tiu dng trc tip (Direct consumer loan) l ngn hng v khchhng trc tip gp nhau tin hnh cho vay hoc thu n.

Hnh thc cho vay tiu dng trc tip linh hot hn hnh thc cho vay gintip, v khi quan h trc tip gia ngn hng vi khch hng s x l tt cc phtsinh, hn na c kh nng lm tho mn quyn li cho c ngn hng v khchhng.

1.4.3. Cn c vo phng thc hon tr:

Cho vay tiu dng tr gp:

L hnh thc cho vay m theo ngn hng cho php khch hng tr gclm nhiu ln trong thi hn tn dng nht nh tha thun. Cho vay tr gpthng c p dng i vi cc khon vay trung v di hn, ti tr cho ti sn cnh, c gi tr tng i ln nh : cho vay mua t, mua nhv p dng chonhng ngi c thu nhp trong mt k khng hon tr ton b s vay. Stin tr mi k thng c tnh ton sao cho ph hp vi kh nng tr n ca

khch hng. Ngn hng thng cho vay tr gp i vi ngi tiu dng qua hnmc nht nh. Ngn hng s thanh ton ngay cho ngi bn l v s hng ha mcc khch hng mua tr gp. Cc ca hng bn l nhn ngay tin sau khi bnhng t pha ngn hng v lm i l thu tin cho cho ngn hng hoc khch hngtr trc tip cho ngn hng. y l hnh thc tn dng ti tr cho ngi mua thngqua khuyn khch tiu th hng ha. Hnh thc ny em li nhiu thun li chongi vay hn i vi vic cho vay m thu hi li v gc trong mt ln v v ththng th cc khon cho vay tr gp chim t trng cao hn trong cho vay tiu

dng.Cho vay tr gp c ri ro cao do khch hng thng th chp bng hng ha

mua tr gp. Kh nng tr n ph thuc vo thu nhp u n ca ngi vay, vri ro xy ra nu ngi vay mt vic, m au, thu nhp gim stChnh v ththng th li sut cho vay tr gp l cao nht trong khung li sut cho vay cangn hng..

Cho vay tiu dng phi tr gp:

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L hnh thc cho vay m tin vay c khch hng thanh ton cho ngnhng ch mt ln khi n hn phi tr. Cho vay tiu dng phi tr gp thng ccp cho cc khon vay c gi tr nh v vi thi hn khng di. Phn ln th cckhon vay ny thng c dng chi tr cho cc chuyn i ngh, tin nm vin

hay mua cc vt dng gia nh hoc sa cha t, nh .

Cho vay tiu dng tun hon

L hnh thc cho vay m ngn hng cho php khch hng s dng th tndng hoc pht hnh cc loi sec thu chi da trn ti khon vng lai thanh tontin hng ha dch v. Trong thi gian tn dng c tha thun trc, cn cvo nhu cu chi tiu v thu nhp kim c tng k ca khch hng, khch hngc ngn hng cho php vay v tr n mt cch tun hon. Do nhng khon vay

ny khng c m bo, ng thi chi ph iu hnh tn dng tun hon tngi cao nh: chi ph d tr qu, chi ph x l th tn dng bao gm kim tra tndng la o v nhng mt mt trong thu ngn nn li sut i vi tn dng tunhon l tng i cao. Hnh thc ny tng i thun tin cho cc khch hng cnhu cu vay thng xuyn, khch hng ch cn lm th tc mt ln cho nhiu lnvay.

1.4.4. Cn c vo phng thc bo m tin vay:

Cho vay th chp

L hnh thc ngn hng cho khch hng vay nhm mc ch tiu dngnhng ngn hng gi ti sn ca khch hng m bo vic thc hin cc nghav ca khch hng. Danh mc cc ti sn v iu kin cc ti sn c cm ccng c ngn hng quy nh c th da trn c s quy nh ca php lut vchnh sch tn dng ca ngn hng.

Cho vay tn chp

Thng p dng cho khch hng c vic lm v thu nhp n nh, ngoivic chi cho cc khon chi tiu thng xuyn hng thng th cn tch ly trn vay. S tin vay s cn c vo nhu cu, thu nhp thng xuyn ca khch hng,gii hn cho vay ca ngn hng.

Cho vay c ti sn m bo hnh thnh t tin vay

L hnh thc cho vay tiu dng p dng i vi khch hng c nhu cu vay mua cc ti sn c gi tr ln v thi gian s dng lu di. Ty thuc vo kh

nng ti chnh v kh nng tr n ca khch hng, gi tr ti sn mua sm v mc

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cho vay ti a trn gi tr ti sn mua sm m t ngn hng s c mc vay thchhp cho tng i tng khch hng.

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CHNG 2:THC TRNG HOT NG CHO VAY TIUDNG NGN HNG CNG THUNG VIT NAM_CHI

NHNH BNH NH

1. Khi qut v Ngn hng Cng Thng _chi nhnh Bnh nh

1.1. Qu trnh hnh thnh v pht trin

Ngn hng Cng Thng Vit Nam (Vietinbank) c thnh lp ti Ngh nh53/HBT ngy 26/3/1988 ca Hi ng B trng, vo thi k u ca tin trnhi mi kinh t do i hi VI ca ng Cng Sn Vit Nam khi xng, nhdu mt thi k pht trin mi ca ngnh Ngn hng Vit Nam.

Qu trnh xy dng, pht trin n nay, Ngn hng Cng Thng Vit Nam vt qua rt nhiu kh khn th thch, lun tin phong trong c ch th trng,khng ngng phn u vn ln, khng nh c v tr l mt ngn hng thngmi ln, ch lc, hng u Vit Nam, gp phn thc thi c hiu qu chnh schtin t quc gia, thc y tng trung kinh t thi k i mi, phc v c lc vnng cao nng lc sn xut kinh doanh, kh nng cnh tranh ca cc doanh nghip,tng xut khu, chuyn dch c cu kinh t theo hng tch cc, thc hin cngnghip ho, hin i ho t nc.

Hin nay, Vietinbank c h thng mng li tri rng ton quc tBc-Trung-Nam. V chi nhnh Bnh nh l mt trong s h thng hotng ca ngn hng Cng Thung. Qu trnh hnh thnh v pht trinNgn hng Cng Thng ti chi nhnh Bnh nh gn lin vi s i mica h thng ngn hng Vit Nam mang li nhng hiu qu kinh t cho hotng ngn hng v nhng thnh cng trong cng cuc pht trin kinh t tiTnh Bnh nh.

Ngn hng Cng Thng Vit Nam_Chi nhnh Bnh nh c thnh lp

vo thng 07/1988 .Hi s chnh t ti 257 L Hng Phong, thnh ph QuiNhn vi cc hot ng dch v chnh :

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

cc t chc kinh t v dn c.

-Nhn tin gi tit kim vi nhiu hnh thc phong ph v hp dn: tit kim

khng k hn, c k hn

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

- u t cho vay mi thnh phn kinh t.

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

- Cc dch v khc.

1.2. C cu b my, s t chc

1.2.1. C cu b my

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

1.2.2. S t chc

- xiv-

P.GIM C P.GIM C

GIM C

Kimsotnib

Khchhng

cnhn

Khch

hngdoanhnghip

Qunl riro-n

cvn

T

chchnhchnh

K

TonT

thngtin

inton

Tint khoqu


18/41

1.3. Tnh hnh hot ng trong nhng nm va qua

Hot ng Ngn hng Cng Thng_chi nhnh Bnh nh trong nhiu nmqua lun t ch tiu do NHCT ra gp phn thc y hot ng kinh doanh cho

Ngn hng ng thi to iu kin pht trin nn kinhh t ti Tnh Bnh nh. n

nay, h thng ngn hng Cng Thng_chi nhnh Bnh nh pht huy hiu qurt ln trong cng tc xy dng hnh nh Ngn hng chuyn nghip choVietinbank.Thng hiu mnh gp phn trong vic to uy tn vi khch hng,m rng th phn nng cao hiu qu hot ng cho ngn hng.C th qua bng sliu sau:

Bng 1: Bo co kt qu hot ng kinh doanh nm 2007-2009NHCTVN_Chi nhnh Bnh nh.

n v: triu ng

Stt Cc ch tiu Nm 2007 Nm 2008 Nm 20091 Tng s vn huy ng 368.990 399.830 463.759

Tin gi cc t chc kinh t 132.524 104.149 133.338

Tin gi dn c v huy ngkhc 236.466 295.681 330.421

2 Tng d n 719.154 754.778 1.088.608N ngn hn 599.548 604.735 858.820

N trung di hn 121.089 150.356 229.788N nhm 2 1.437 1.250 0N xu( nhm 3,4,5) 7.352 2.071 290

3 Tng thu nhp 89.208 127.589 109.341Thu nhp t hot ng tn dng 84.023 121.161 100.672Thu nhp t dch v Ngn hng 5.185 6.428 8.669

4 Tng chi ph 74.914 121.218 93.4785 Li nhun sau trch DPRR 14.294 6.371 15.863

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

Qua s liu tng hp t bng 1, cho thy li nhun sau khi trch d phngri ro nm 2009 tng. Li nhun nm 2008 gim so vi nm 2007 l 7.977 triung tng ng t l gim 55,4%. Mc d tng thu nhp nm 2008 so vi nm2007 tng 38.381triu ng nhng do chi ph nm 2008 cao hn so vi 2007 n46.304 triu ng tng 61,8%. Nguyn nhn ca vic tng chi ph l do vic tr linhn vn Trung ng v tr li huy ng vn cao hn so vi nm 2007. ng

thi phi chi tr vic mua thit b cng ngh, mua sm ti sn, m rng mng lihot ng phc v cho vic pht trin kinh doanh nhm phc v tt hn nhu cu

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ca khch hng, nng cao v th cnh tranh cho Vietinbank. n nm 2009 th linhun t 15.863 triu ng tng gp 2,4 ln so vi nm 2008 do chi ph nm2009 thp hn so vi 2008 gim 24.748 triu ng tng ng t l gim 22,88%.

Tng ngun vn huy ng qua cc nm tng dn. C th, ngun vn huyng nm 2008 t 399.830 triu ng tng 30.840 triu ng so vi nm 2007tng ng 8,36%. Trong , tin gi cc t chc kinh t chim 26,04% v 73.96%l t tin gi dn c v huy ng khc so vi s vn huy ng nm 2008.Tip tc,ngun vn huy ng nm 2009 so vi nm 2008 tng 63.929 triu ng tng ngtng 15,59 %. Trong , tin gi t chc kinh t chim 28,75% v tin gi dn cv huy ng khc l 71,25% so vi vn huy ng nm 2009. Qua , ta thy ctnh hnh huy ng vn cng ngy cng c m rng l do Ban lnh o ngnhng thnh lp t huy ng vn vi nhim v phn tch th trng ngun vn

ti a phng, ra cc gii php pht trin sn phm, chng trnh khuyn mithu ht khch hng v thng xuyn theo di li sut bin ng trn th trng.

Tnh hnh d n tnh n ngy 31/12/2009 t 1.088.608 triu ng vtch tiu k hoch l 72.000 triu ng (k hoch 1.016.608 triu ng) v tng44% so vi nm 2008.Trong , n ngn hn chim t trng cao hn so vi ntrung di hn.Bn cnh vic cho vay th cng tc qun l n vn thng xuyntheo di khch hng, hn ch ri ro cho Ngn hng. Kt qu ca vic qun l cht

ch mng li hiu qu cho nm 2009. N nhm 2 gim cn 0% trong khi n n xu vn cha c khc phc trit . Nhng phn ln gim nhiu so vinm 2008 tng ng vi t l gim 85,5%. Do nh hng ca nn kinh t thtrng khin cho cc doanh nghip cha c kh nng tr n v do nh hng caa bn Tnh thuc vng hay b thin tai nn vic n xu khng th no trnh khi.Chi nhnh cng thc hin ng ch tn dng, phn loi n v trch d phngri ro hn ch n xu. n nay, Ngn hng Cng Thng Vit Nam _chi nhnhBnh nh vn ang trn phn u pht trin hot ng mang li li nhun chongn hng.

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

1.1. Chc nng, nhim v ca phng khch hng c nhn

C cu t chc phng

- Ph phng khch hng c nhn

- Cn b tn dng

- Cn b thm nh

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Chc nng

L phng nghip v trc tip giao dch vi khch hng c nhn, khai thcvn bng VND v ngoi t, thc hin cc nghip v lin quan n tn dng, qun

l cc sn phm tn dng ph hp vi ch , th l hin hnh v hng dn caNHCT VN. Trc tip qung co, tip th, gii thiu v bn cc sn phm dch vngn hng cho cc khch hng c nhn.

Nhim v

- Khai thc ngun vn bng VND v ngoi t khch hng l cc c nhn theoqui nh ca Ngn hng Nh nc v NHCT VN.

- Thc hin tip th, h tr, chm sc khch hng, t vn cho khch hng v

cc sn phm dch v ca NHCT VN nh tn dng, u t, chuyn tin, th

- Thm nh, xc nh, qun l cc gii hn tn dng cho cc khch hng cnhu cu giao dch v tn dng v ti tr thng mi.

- Qun l cc khon tn dng c cp

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

- Cung cp ti liu cho phng qun l ri ro

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

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

1.2. Nhng qui nh chung cho vay tiu dng

1.2.1. Nguyn tc cho vay

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

- Hon tr n gc, li tin vay v cc loi ph (nu c) y , ng thi hn tha thun trong hp ng tn dng.

- Mang li li ch hp l cho NHCT v p ng cc quy nh ca php lutv NHNN lin quan n hot ng cho vay.

1.2.2. iu kin cho vay

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

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- C mc ch vay vn hp php.

- C kh nng ti chnh m bo tr n trong thi hn cam kt.

- C h khu thuc Tnh Bnh nh.1.2.3. Li sut v thi hn cho vay

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

- Thi hn cho vay: Ty theo kh nng tr n ca khch hng m xc nhthi hn cho vay nhng ti a l 5 nm tr cc trng hp sau :

+ Cho vay xy dng nh : ti a l 10 nm

+ Cho vay mua nh chung c, hoc nhn chuyn quyn s dng t, trtin s dng t : ti a l 15 nm

+ Cho vay nhn chuyn nhng quyn s dng t v xy nh (c quyns dng t) : ti a 20 nm

1.2.4. H s vay

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

- Bn hp ng th chp (4 bn); hp ng y quyn.- Hp ng tn dng, n yu cu ng k th chp

- Giy ngh xin vay vn- kim phng n tr n vay; t trnh thm nh(2 bn).

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

- Giy t chng minh php nhn nh quyn s hu t (ti sn th chp), hkhu nh; chng minh nhn dn.

- V cc giy t khc theo yu cu ca Ngn hng.

1.3. Sn phm cho vay hin c

1.3.1. Cho vay ph du hc:

-To iu kin cho vic du hc nc ngoi gm hc ph, sinh hot ph vcc ph ca kha hc t chc.

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22/41

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

- Thi hn cho vay m bo ti sn ti a bng thi gian ca kho hc cng

thm 3nm.- Thi hn cho vay chng minh ti chnh ph hp vi thi gian ngh

chng minh ti chnh ca khch hng v bng thi hn gi ca ti khon tin gic k hn, th tit kim, giy t c gi c hnh thnh t vn vay ca NHCV; vti a bng thi gian cn li ca kha hc.

- Li sut cho vay chng minh ti chnh bng li sut ghi trn ti khon tingi c k hn th tit kim cng vi ph chng minh ti chnh.

- Th tc, h s cho vay linh hot theo qui nh ca ngn hng.

1.3.2. Cho vay i vi cn b cng nhn vin

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

- Khch hng cho vay khng uc vt qu 59 tui (i vi nam) v 54 tui(i vi n) ti thi im tr n cui cng.

- Thi hn cho vay khng qu thi hn lm vic hay lao ng cn li trn

hp ng lao ng tr hp ng lm vic hay hp ng lao ng khng xc nhthi hn.

- Phi c bn lng trong 3 thng lin tc v xc nhn m bo ca c quann v khch hng ang lm vic.

- Mc thu nhp ca khch hng ti thiu phi l 2.500.000 ng/ thng.

- Mc vay i a bng 12 thng lng.

- Mua bo him tn dng kt hp vi con ngi.

1.3.3. Cho vay sa cha, xy dng nh

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

- Phi c giy php ng k xy dng.

- C ti sn m bo thng l th chp nh.

- Gi tr cho vay 70% tng nhu cu vn.

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23/41

1.3.4. Cho vay mua t

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

- Thi hn cho vay ti a l 5 nm.

- C ti sn m bo hay ti sn th chp chnh l gi tr chic xe mi.

1.4. Tm hiu quy trnh cho vay tiu dng

Quy trnh cho vay v qun l tn dng c son tho vi mc ch gip cho qutrnh cho vay c din ra thng nht, khoa hc, nhm hn ch, phng nga ri rov nng cao cht lng tn dng, gp phn p ng ngy mt tt hn nhu cu vayvn ca khch hng c nhn. Quy trnh ny cng xc nh ngi c thc hincng vic v trch nhim ca cc cn b lin quan trong qu trnh cho vay. Sauy l m phng qu trnh cho vay tiu dng trong qu trnh thc tp ti ngn hngchi nhnh Bnh nh.

Bc 1: Tip nhn v hng dn khch hng v lp h s vay vn:

1.4.1. Hng dn khch hng lp h s:

i vi khch hng mi:

- Tm hiu thng tin khch hng nh nng lc hnh vi dn s, mc ch sdng vn vay, nhu cu vay vn ca khch hng

- Kh nng ca khch hng trong vic chi tr n gc v li

- Khch hng chp nhn cc iu kin chi ph v li sut do ngn hng CngThng Vit Nam qui nh .

- Hng dn cc th tc lm h s, giy t cn thit

i vi khch hng c- Khch hng o hn c nhu cu vay vn tip. Cn b tn dng kim tra li

mc ch s dng vay vn v hng dn khch hng lm th tc theo nhng quinh mi( nu c) ca Ngn hng.

1.4.2. i chiu v tip nhn h s:

- Cn b tn dng lm u mi tip nhn h s; kim tra tnh y canhng giy t cn thit nh quyn s dng t, chng minh nhn dn...

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- Sau khi kim tra nu h s ca khch hng y , cn b tn dng boco trng phng tn dng (hoc ngi c y quyn) v tip tc tin hnh cc

bc trong quy trnh. Nu h s ca khch hng cha y , cn b tn dng yucu khch hng hon thin tip h s.

Bc 2: Thm nh cc iu kin vay vn:

1.4.3. Kim tra h s v mc ch vay vn:

Cn b tn dng kim tra tnh y , xc thc, hp php v hp l ca hs vay vn qua c quan pht hnh ra chng hoc qua cc knh thng tin.

- Kim tra h s khch hng

- Kim tra h s vay vn v h s bo m tin vay

- Kim tra mc ch vay vn:

Kim tra xem mc ch vay vn ca khch hng c ph hp mcch s dng khng.

Kim tra tnh hp php ca mc ch vay vn

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

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

1.4.4. Xc nhn thng tin ca khch hng

Cn b tn dng phi i thc t ti gia nh v ni sn xut kinh doanh cakhch hng tm hiu thm thng tin v:

- Gia nh ca khch hng vay vn, mc ch vay vn ca khch hng.

- Nhng ngun thu nhp thng xuyn, thu nhp khc ca khch hng,nhng thnh vin trong gia nh.

- Tnh hnh hot ng, cng vic ca khch hng, nh gi ti sn m bon vay (nu c) v ca ngi bo lnh ( nu c).

- Tnh hnh quan h vi a phng.

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

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

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

- Kim tra s d khch hng trn h thng phn mm BDS ca Ngn hng

- Phn tch tnh hnh hot ng v kh nng ti chnh. Nng lc iu hnh

qun l, nng lc qun l sn xut kinh doanh, b tr lao ng.

- Phn tch nh gi tnh hnh quan h vi cc t chc tn dng.

Bc 3: Xc nh phng thc cho vay

Vic la chn phng thc cho vay phi ph hp vi mi loi hnh snphm cho vay tiu dng.

i vi cho vay tiu dng, Ngn hng Cng Thng_chi nhnh Bnh nh

p dng cho vay theo phng thc cho vay tng ln.

Cch tr n gc uc chia u hng thng i vi trung v di hn, hayc tr theo k ca khch hng i vi ngn hn. Li c gim dn theo s dn.

S tin pht chm tr li = S d chm tr* 150% * li sut thi hn * thihn qu hn tr li.

V d: ng Nguyn Vn An vay ngn hng tr gi 50.000.000 triu ngvo ngy 1/8/2009 vi thi hn 3 thng, li sut 1.35%/thng. Ton b s n cchia lm 3 k hn:

K th nht vo ngy 1/9 l 10 triu ng

K th hai vo ngy 1/10 l 20 triu ng

K hn th ba vo ngy 1/11 l 20 triu ng

Nu khon vay ni trn c hon tr ng hn theo quy nh th tin li s ctnh nh sau:

K I ( 1/8- 31/8) = 50.000.000*31(ngy)*1.35%/30=697.500

K II (1/9-30/9) =40.000.000 *30(ngy)*1.35%/30=540.000

K III(1/10-31/10) =20.000.000*31(ngy)*1.35%/30=279.000

Nh vy c gc v li k I =10.000.000+ 697.500=10.697.500

K II= 20.000.000+540.000=20.540.000

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K III=20.000.000+279.000=20.279.000

Bc 4: Lp t trnh thm nh cho vay

Trn c s kt qu thm nh theo cc ni dung trn, cn b tn dng phi

lp t trnh thm nh(TTT). TTT phi nu c th nhng kt qu ca qu trnh,nh gi phng n u t xin vay vn ca khch hng cng nh cc kin xut i vi cc ngh ca khch hng.

Bc 5: Ti thm nh cc khon cho vay

- Ngn hng Cng Thng Vit Nam quy nh gi tr tin vay bt buc phic ti thm nh theo tng thi k. Tuy nhin, i vi nhng khon xin vaydi mc quy nh ca Tng gim c nhng c tnh cht phc tp, gim c

hoc ngi c y quyn c th quyt nh tin hnh ti thm nh khon xinvay.

- T ti thm nh c trch nhim thm nh li ton b h s vay vn, ttrnh thm nh v vic cho vay, khng cho vay trnh gim c.

- Mi s khc bit gia kt qu thm nh v ti thm nh c th dn ncc kt lun khc nhau v khch hng v cc khon vay u phi trnh ln Gimc.

- Thi hn ti thm nh khng nm trong thi hn quy nh cho thm nhgc v khng qu 03 ngy i vi mn vay ngn hn v khng qu 05 ngy ivi mn vay trung v di hn.

Bc 6: Hon tt h s

- Da vo nhng thng tin ca khch hng, cn b tn dng nhp d liu vophn mm INCAS, in h s cho khch hng theo mu qui nh ca Ngn hng vhng dn khch hng k h s.

- Lnh o i chiu h s v k trn hp ng th chp, bin bn nh gith chp.Sau khi k, khch hng mang h s n phng mi trng v phngcng chng ca Nh nc cng chng.

- Cn b tn dng to CIF, A/A cho khch hng, mi khch hng s c mts CIF ti ngn hng, da vo s CIF ny ngn hng qun l khch hng.

- Lnh o phng s duyt s CIF v A/A . A/A l hn mc cp tn dng

dnh cho lnh o quyt nh.

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- Tng hp tt c h s sau khi khch hng cng chng v trnh ln Bangim c k duyt.

Bc 7: Gii ngn

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

- M ti khon tin gi cho khch hng.

- Lm phiu chi tin nu khch hng nhn tin mt.

- Th tc gii ngn phi ng ni dung nh trong giy nhn n v c s xtduyt chi tin mt ca Ban gim c.

Bc 8: Kim tra, kim sot cc khon vay

Kim tra v gim st khon vay l qu trnh thc hin cc bc cng vicsau khi cho vay nhm m bo ngi vay s dng ng mc ch, c hiu qu stin vay, n c hon tr n gc, li vay ng hn, ng thi thc hin cc bin

php thch hp nu ngi vay khng thc hin y , ng hn cc cam kt.

Bc 9: Thu n li v gc v x l nhng pht sinh.

Bc 10: Thanh l hp ng tn dng v hp ng bo m tin vay

- Tt ton khon vay

- Thanh l hp ng tn dng, hp ng m bo tin vay

Bc 11: Gii chp ti sn m bo:

- Xut kho giy t v Ti sn m bo.

- Xa ng k giao dch bo m, ngn hng thng xo th chp ti snm bo l nh ca.

Bc 12: Lu gi h s tn dng v h s bo m tin vay.

- Phng k ton:

Hp ng tn dng

Giy nhn n

T trnh thm nh

Giy ngh xin vay vn- kim phng n vay tr n

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- Phng kho qu tin t:

Bin bn nh gi

Hp ng th chp

Phiu nhp kho ti sn m bo

- Phng tn dng khch hng c nhn

Giy nhn n

Giy ngh xin vay vn_kim phng n vay tr n

T trnh thm nh, t trnh thm nh cp gii hn tn dng

Hp ng tn dng, hp ng th chp

n yu cu ng k th chp

n yu cu cp gii hn tn dng

Bn thng bo cp tn dng

Chm im khch hng c nhn

Phiu nhp kho ti sn m bo

Bin bn s dng vn vay

Vi qui trnh lm vic nh trn, ngn hng a ra nhng qui nh c thchc nng nhim v ca mi phng ban trong qu trnh cho vay. Tuy nhin, v slng nhn vin phng tn dng cn t so vi s lng khch hng n vay nn ccth tc cho vay i vi khch hng cn hn ch v mt thi gian. i vi Ngnhng Cng Thng ti chi nhnh Bnh nh th vic cng chng do khch hng ti cng chng. Nhng ngn hng cng a ra qui nh c th ch chp nhn cngchng ti phng cng chng s 1 thuc s kim sot ca Nh nc nn cng viccng chng vn m bo theo qui nh ca php lut. y cng l mt hn ch ca

Ngn hng ti chi nhnh nhng c s thng nht ph duyt ca Ngn hngTrung ng .

1.5. Thc trng cho vay vay tiu dng

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

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

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trong lnh vc ny, NHCT_chi nhnh Bnh nh cng c nhng bc chuyntch tch cc v c s lng v cht lng cc mn vay tiu dng.

V d n cho tiu dngBng 2: D n cho vay tiu dng

n v: t ng

Ch tiu

Nm 2007 Nm 2008 Nm 2009

s tin t trng s tin t trngs

tin t trng

Cho vay ngn hn 2,56 24.47% 3,167 23.87% 5,46 23%

Cho vay trung dihn 7,898 75.53% 10,10 76.13% 18,277 77%Cho vay c ti snm bo 8,624 82.46% 11,25 84.79% 18,01 75.87%Cho vay khng cti sn m bo 1,834 17.54% 2,017 15.21% 5,727 24.13%Tng 10,458 100% 13,267 100% 23,737 100%

Ngun phng khch hng c nhn

Qua s liu ta thy c d n cho vay tiu dng lin tc tng trong 3 nm qua.

Cui nm 2007 ch tiu ny l 10,458 tng, n cui nm 2008 ln ti 13,267 tng, tng ng vi tc tng trng l 26.86% so vi nm 2007. n31/12/2009 d n cho vay tiu dng t 23,737 t ng tng 78.92% so vi nm2008, cao hn tc tng trng ca nm 2008 so vi nm 2007. S tng ln nycho thy ngn hng hot ng cho vay tiu dng ca ngn hng Cng Thng tichi nhnh ang ngy cng c m rng. Trong khong thi gian ny, cc ngnhng mi mc ln v s m rng quy m ca cc chi nhnh ngn hng khc ngycng nhiu. Tuy nhin thphn ca ngn hng Cng Thng_chi nhnh Bnh nhvn khng gim st m cn tng ln cho thy c uy tn ca ngn hng i vi

khch hng vn c duy tr.

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V c cu theo thi hn, ta thy hot ng cho vay tiu dng ca chi nhnh chyu l cc mn vay vi thi hn trung v di hn. T trng d n ngn hn lunchim trn 70% tng d n cho vay tiu dng. C th, t trng d n trung v dihn nm 2008 t 10,10 t ng chim 76.13% cao hn nm 2007 l 0.6%, nm

2009 t 18,277 t ng chim 77% so vi nm 2008 .Nh vy c cu cho vaytiu dng c xu hng tng t trng cho vay trung v di hn, cc khon vay chyu phc v cho mc ch tiu dng i sng hng ngy nh: sa cha nh ,mua trang thit b trong gia nh. Cc khon cho vay ngn hn chim t trng thpv phn ln kh nng chi tr ca ngi dn cn thp, mc thu nhp kinh t Tnhcn thp hn so vi thnh ph H Ch Minh . iu ny lm cho ngn hng b tnng trong vic s dng vn. Tuy nhin, ngn hng vn p ng nhu cu vay chongi dn khi iu kin cho vay ca ngn hng.

Phn loi theo cho vay tiu dng c ti sn m bo v khng c ti sn m bo,thng qua bng s liu th cc khon cho vay tiu dng c ti sn m bo lunchim t trng cao hn. Nm 2007 cho vay tiu dng c ti sn m bo l 8,624t ng chim 82,46% tng cho vay tiu dng, nm 2008 l 11,25 t ng chim84,79% cao hn nm 2007. Tuy nhin n nm 2009 ngn hng m rng iu kincho vay khng c m bo ch yu l i vi cn b cng nhn vin c thu nhpn nh, mc lng cao lm cho t trng d n ti sn m bo thp gim 8.92%so vi nm 2009. iu ny chng t ngn sn phm cho vay i vi cn b cng

nhn vin c ngi tiu dng quan tm. i tng l cn b cng nhn vinang l mt khch hng tim n trong tng lai mang li li nhun cho hot ngngn hng.

Tuy hot ng cho vay tiu dng c pht trin, quy m c tng ln, song mc tngny l khng cao, n ch chim mt t l rt nh trong tng cho vay ca ngn hngti chi nhnh Bnh nh . Ta c bng t trng d n cho vay tiu dng so vi chovay tn dng ca ngn hng nh sau:

Bng 3: T trng d n cho vay tiu dng ca NHCT_chi nhnh Bnh nhn v : t ng

Nhn vo s liu ta thy t trng cho vay tiu dng tng dn qua cc nm 2007,2008, 2009. Nm 2007 d n cho vay tiu dng chim 1.45% ; nm 2008 chim

- xxvii-

Ch tiu 2007 2008 2009

D n cho vay 719.154 100% 754.778 100% 1088.608 100%D n cho vay tiudng 10,458 1.45% 13,267 1.75% 23,737 2.18%


31/41

1.75% v n nm 2009 chim 2.18%. D n ngy cng tng qua cc nm chngt s lng khch hng n vay ti ngn hng c gia tng, cng tc m rng chinhnh hiu qu . Tuy nhin, so vi tng d n cho vay ca c chi nhnh Ngnhng ti Bnh nh th t trng d n cho vay tiu dng ch chim t l nh. Phn

ln l cho vay i vi sn xut kinh doanh h gia nh c thi hn ngn hn, viu ny lm cho ngn hng linh hot hn trong vic s dng vn, chng ngvn.

V doanh s tiu dngBng 3 : T trng doanh s cho vay tiu dng

n v: t ng

(Ngun: phng khch hng c nhn)

Nhn chung ta thy t trng doanh s cho vay tiu dng tng dn qua cc nm.Nm 2008, t trng doanh s cho vay chim 1.03% tng hn so vi nm 2007 l0.41%. n nm 2009, t trng cho vay tiu dng chim 0.9% thp hn so vinm 2008 l 0.13%.T trng ny thp l do nh hng ca nhn t tng doanh scho vay v doanh s cho vay tiu dng nm 2009 cao hn 2008. Nh vy doanh scho vay tiu dng chim 1 t l thp trong tng doanh s cho vay chng t ngn

hng cha tp trung lm vo lnh vc cho vay tiu dng m ch yu l tp trungvo cho vay kinh doanh h gia nh v doanh nghip c nhn.

V n qu hn

V n qu hn cho vay tiu dng chim t l rt nh khng ng k. l do cnb quan tm chm sc, nhc nh khch hng trong vic tr li nn phn ln hnch uc ri ro cho cc khon n ca khch hng. Tuy nhin, vn cn c 1 strng hp n qu hn dn n n xu.

- xxviii-

Ch tiu 2007 2008 2009

Tng doanh s cho vay 1.733 100% 1.335 100% 2.750 100%

Doanh s cho vay tiu dng 10,80 0.62% 13,88 1.03% 24,55 0.9%


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

2.1. Kt qu t c

Qua cc ch tiu phn tch trn ta thy c hot ng cho vay tiu dng ca

NHCT- Chi nhnh Bnh nh ang ngy cng c m rng. Biu hin c stuyt i v c s tng i ca doanh s, d n, li nhun t hot ng cho vaytiu dng, cc iu kin khch hng c th vay ngn hng cng ngy cngc ni lng hn. Mc d t l cc khon cho vay c ti sn m bo cao nhngthi gian va qua cc khon cho vay tiu dng c n qu hn chim t l thp.

Hot ng cho vay tiu dng ngy cng m rng, mc ng gp vo tng linhun t hot ng cho vay tuy cn b nhng ngy cng tng. S lng khchhng tm n ngn hng vi mc ch vay tiu dng ngy cng ln, iu ny gp

phn to ra mt ngun huy ng vn ln cho Ngn hng ti chi nhnh Bnh nhni ring v ton b h thng NHCTVN ni chung. Bi i tng cho vay tiudng : c nhn, h sn xut, cc tng lp dn c cng chnh l i tng thu httin gi tit kim ca mi ngn hng trong lu di, v thc t cho thy t trnghuy ng vn t ngun ny chim mt t l ng k trong tng ngun vn huyng bng vic a dng ha cc dch v sn phm cho vay tiu dng, ng dngnhng cng ngh tin tin vo cc hot ng cho vay nng cao v th v uy tnca Ngn hng Cng Thng ti chi nhnh Bnh nh trong qu trnh cnh tranh

trn th trng, l im n an ton nhiu s la chn vi cht lng cao chokhch hng. Qua a dng ha c cc sn phm, dch v, phn tn ri ro, adng ha u t, a dng ha khch hng theo ch trng, chnh sch ca ngnhng. Cho vay tiu dng thu ht c mt s lng ln cn b cng nhn vinca cc c quan n v lm n c hiu qu , tht cht mi quan h giao dch vicc c quan n v m cn b cng nhn vin lm vic, lm tin cho khoch s dng cc sn phm ca ngn hng. T gp phn nng cao i sngcho nhn dn, tng sc mua cho nn kinh t, kch thch sn xut kinh doanh phttrin. Ngoi ra, vic ngn hng cho php cc cn b tn dng khng thuc phngkhch hng c nhn (phng khch hng doanh nghip) c th t mnh tm kimkhch hng trong mi lnh vc k c cho vay tiu dng gp phn tn dng cmi mi quan h ca cn b tn dng, a dng ha khch hng, t hot ngcho vay tiu dng ca khch hng c m rng hn. y l mt c im m ccngn hng khc cn phi hc tp.

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2.2. Hn ch v nguyn nhn

2.2.1. Hn ch cn khc phc:

Mc d quy m cho vay tn dng ngy cng c gia tng nhng vn cha tng

xng vi tim nng hin c ca ngn hng, cha thc s p ng nhu cu thtrng, nhu cu ca ngi dn, cha c g c bit to ra u th cnh tranh trnth trng. T trng cho vay tiu dng trn tng s ngun vn cn qu thp, quym doanh s cho vay chim t trng nh trong tng doanh s cho vay ca ngnhng, li thu c t hot ng cho vay tiu dng cn rt nh so vi tng li thot ng tn dng. Trong nhng nm gn y, nht l cui nm 2008 th trngcho vay tiu dng ln cn st , nhiu ngn hng vi cc chin lc khc nhau nhto ra nhiu sn phm mi, cho vay ch trong 1 gi, 24 gi thm nh thu htc mt s lng khch hng vay tiu dng, to ra c mt khon li nhun rtln trong lnh vc ny. Trong khi ngn hng vn cha c hot ng g ni bt,cha to c s n tng hay khc bit no c th cnh tranh vi cc ngnhng khc cho thy s km linh hot ca ngn hng trong lnh vc ny.

Ngn hng cha thc s quan tm ng mc vo hot ng cho vay tiu dng.Cc sn phm cho vay tiu dng cn qu ngho nn, cha a dng, khng c sn

phm mi. Ngn hng mi ch ch yu cho vay mua sm , sa cha nh ca Dch v cho vay h tr du hc l dch v t ri ro, ngun thu ph tng i ln l

dch v c nhiu ngn hng tp trung khai thc, trong khi ti NHCT-Chi nhnhBnh nh, sn phm ny ch chim t trng rt nh.

Khch hng vn cn cha a dng, ch yu l khch hng truyn thng c miquan h lu nm vi chi nhnh, vic thu ht thm khch hng mi khng cao vkhng hiu qu. Ngn hng cn th ng trong vic tm kim khch hng, ch yul khch hng t tm n ngn hng ch ngn hng cha ch ng tm n khchhng. Cha khai thc trit i vi cho vay tiu dng i vi cn b cng nhnvin Nh nc bi h l nhng ngi c thu nhp n nh trong bi cnh nn kinh

t hin nay.

Xt v phng thc cho vay, cc khon vay ch yu l theo hnh thc trc tip,hnh thc cho vay gin tip cha thc hin nhiu. Vic kt ni, phi hp vi cctrung tm mua sm l mt bin php hu hiu trong m rng cho vay tiu dngang c nhiu ngn hng thc hin trong khi chi nhnh Bnh nh khng cch trng khai thc lm.

Cng tc tip th, marketing ca ngn hng cn hn ch, dn n vic th ng

ngi ch khch hng. Trong thi bui cnh tranh gay gt th hot ng marketingrt quan trng khch hng c th bit v tm n ngn hng.

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2.2.2. Nguyn nhn:

Nguyn nhn khch quan:

- Mi trng php l cn cha hon thin

Hin nay php lut Vit Nam vn cha c mt quy nh c th i hot ng chovay tiu dng . Cc ngn hng ch yu s dng cc vn bn chung nh lut cc tchc tn dng, quy ch cho vay ca t chc tn dng, quyt nh v thc hinchuyn n qu hn... lm cn c cho vay tiu dng cha tht s y , chtch, khin cho th tc cho vay, iu kin vay kh khn gy cn tr cho c ngnhng ln khch hng trong hot ng ny.Cc phng cng chng Nh nc lmth tc nh hng n vic vay ca khch hng gy cho khch hng tm l khngthoi mi,chn nn khi i cng chng.

- S cnh tranh gay gt

Trong xu th hi nhp, nhiu ngn hng mi c mc ln ti Tnh Bnh nhnh Ngn hng Qun i, Ngn hng Nam cng vi nhiu chi nhnh ngnhng khc m rng ln lm gim th phn ca ngn hng trong mi lnh vc c

bit l trong hot ng cho vay tiu dng do cc ngn hng nhn thc c xu thpht trin tt yu ca hot ng ny, v ra sc y mnh n bng cc chin lckhc nhau.

- Tm l x hi

Ngi dn thng c thi quen cn c, chu kh, tit kim, thng tch ly sdng lu di, ch mua sm ti sn s dng khi tch ly . Hn na, nhn thc cah v li ch khi s dng cc dch v ngn hng cn hn ch, v cn e ngi cc thtc phin h, phc tp, mt thi gian, trong vic lp h s xin vay

y l mt yu t tc ng khng nh n vic m rng cho vay tiu dng.

Nguyn nhn ch quan- Hot ng cho vay tiu dng ca ngn hng cha c ch trng, i tng chyu m ngn hng hng ti l cc doanh nghip. V th ngn hng cha c chinlc c th pht trin hot ng cho vay tiu dng.

- Kh nng huy ng vn tng nhng vn cha khai thc ht ngun vn huy nglm cho ch tiu tng d n cn thp, tht cht vic cho vay vi nhiu loi sn

phm cho vay tiu dng khc.

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- Hot ng marketing, tip th i vi sn phm cho vay tiu dng cha c ymnh. Cn b tn dng cha ch ng tm n khch hng, lm s lng khchhng tm n ngn hng cha nhiu.

- Cng ngh ngn hng cha c u t nhiu.- S kt ni ca ngn hng i vi cc knh phn phi sn phm tiu dng nhsiu th, trung tm mua sm cha c ngn hng trin khai nhiu.

- S lng cn b tn dng cn t m phi chu p lc trong vic qun l nhiukhch hng nn kh trnh khi vic kim sot khch hng cht ch, cc khon nn hn cha tr d dn n nhm n xu nh hng n hot ng ca ngnhng.

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CHNG 3: BIN PHP V KIN NGH I VI CHOVAY TIU DNG TI NHCT_CHI NHNH BNH NH

1. Bin php1.1. y mnh hot ng marketing ngn hng

Trong tnh hnh cnh tranh gay gt hin nay, hot ng marketing vi hng lotcc cng vic: nghin cu, phn tch th trng pht hin v tho mn nhu cudn c, qung co tn tui, dch v, chm sc khch hngng mt vai tr vcng quan trng trong vic khch trng tin ch trong cc dch v ca ngn hng.Hn na tm l khch hng c nhn c thi quen bt chc s ng trong tiudng dch v, nht l trong lnh vc ngn hng.

Hot ng marketing ca ngn hng hin nay cn m nht, cha c ch trng,ngn hng cha c chin lc c th bt ph, qung b hnh nh ca mnh. Vth, chi nhnh Bnh nh cn phi y mnh hn na hot ng ny lm chohnh nh ca ngn hng c nhiu ngi bit n hn. ng thi tng cnggii thiu cc sn phm ni chung v cho vay tiu dng ni ring trn cc phngtin thng tin i chng khc nh sch bo, tp ch, truyn hnh, mn hnh trnmy rt tin t ng ATM, trn cc bng chy qung co trn ng ph ccdch v, tin ch hay chnh sch u i ca ngn hng.

Ngn hng nn lp ra mt phng marketing ring bit vi nhim v khch trng,nng cao hnh nh ca s giao dch trong cc hot ng ni chung v hot ngcho vay tiu dng ni ring.

1.2. Nng cao cht lng ngun nhn lc

Phn ln cc khon vay u l s tng tc trc tip gia cn b tn dng vikhch hng. V th, trnh chuyn mn v phong thi lm vic ca cn b tn

dng ng vai tr rt quan trng n nh hng n kt qu ca hot ng chovay, phn nh b mt ca ngn hng. Hin nay, ngn hng c mt i ng cnb tr, c trnh (65,43 % c bng thc s, i hc, cao ng). Tuy nhin ngnhng cng phi thng xuyn r sot, la chn cn b tn dng c trnh ,nghip v, phm cht, o c thc hin cc hot ng nghip v. Phi tngcng o to mt cch ton din, lin tc, c h thng khng ngng nng caotrnh , phm cht ca cn b tn dng ph hp vi s pht trin ca nn kinh t,

bng vic m cc lp tp hun nghip v ti ch, c ngi i hc nm bt ckp thi mi quy nh, sa i mi ca Nh nc, hc hi thm t cc i th

cnh tranh, hay c cn b i hc nc ngoi tch ly kinh nghim t nhng

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nc Pht ng phong tro t hc , t bi dng, t nng cao nng lc bnthn trc s thay i ca nn kinh t th trng. T chc thi nghip v hng nmv c ch khen thng, i ng i vi nhng cn b c nhiu cng hin.Khng ngng tuyn dng, chn lc, b sung, tng cng lc lng cn b tn

dng c ti, c c ph trch mng khch hng c nhn.

2. Kin ngh

2.1. Kin ngh vi c quan qun l Nh nc

Nhn thy nhng tc dng tch cc, nhng li ch m hot ng cho vay tiu dngmang li v xu hng pht trin ca n. Nh nc v cc c quan c thm quyncn phi c nhng chnh sch c th nh hng cho s pht trin cho vay tiudng, khuyn khch v to iu kin loi hnh ny pht trin v din ra mt

cch sun s. C th:

- Trc tin, Nh nc cn phi to ra mt mi trng kinh t u t an ton, vih thng chnh tr vng mnh. C gng duy tr mt nn kinh t n nh, lnh mnhvi cc ch s mc hp l.

- Hon thin mi trng php lut vi cc ngh nh, thng t r rng, thngthong, m bo s cng bng trong cnh tranh gia cc ngn hng thng miquc doanh v ngn hng thng mi c phn.

- Ban hnh cc vn bn php lut to iu kin m rng cc dch v, sn phm chovay tiu dng. n gin ha th tc cp giy chng nhn quyn s dng t,quyn s hu nh to iu kin cho cc h gia nh, c nhn c iu kinvay vn. ng thi ban hnh cc quy nh c th v nh gi t y nhanhvic nh gi ti sn m bo, t y nhanh quy trnh cho vay tiu dng. Ngoira nh nc cn phi chnh sa cc th tc cng chng, ng k giao dch m

bo vi cc hp ng cm c, th chp c din ra mt cch hp l, xa bnhng th tc khng cn thit.

- To iu kin thun li cc ngn hng vi cc t chc bn sn phm tiu dngc lin kt vi nhau trong vic cung cp sn phm cho khch hng. ng thito iu kin cho cc ngnh sn xut hng tiu dng pht trin, gp phn tng cungv hng ha, dch v tiu dng, to thm cng n vic lm cho ngi lao ng,nng cao cht lng i sng dn c, t s lng khch hng vay tiu dng stng ln.

- C c ch khuyn khch cc ngn hng lin kt vi nhau trong vic cung cp sn

phm dch v cho khch hng, c bit l trong lnh vc th thanh ton.

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- To iu kin cho cc ngn hng c kinh ph c cn b c hc tp v nghincu nc ngoi nnng cao v trnh ca cc ngn hng v cho chnh ncnh.

2.2. Kin ngh vi ngn hng nh nc Vit NamNgn hng nh nc Vit Nam l c quan trc tip iu hnh hot ng ngn hngtrong ton b h thng, vi cc chnh sch, quy nh, nh hng khc nhau, nhhng ln n hot ng ca cc ngn hng thng mi.

Bng cc quy nh, chnh sch khc nhau, ngn hng c th thc y hot ng tndng ni chung v hot ng cho vay tiu dng ni ring. Sau y l mt s kinngh i vi ngn hng Nh nc hot ng cho vay tiu dng c m rnghn:

- Trc ht, hon thin Lut tn dng v cc vn bn php lut lin quan ti hotng tn dng ni chung v hot ng cho vay tiu dng ni ring trn c snghin cu xu hng pht trin ca th trng. T c cc iu chnh thch hpnh thay i li sut, c ch cho vaylinh hot theo hng c li cho hot ngny, to iu kin thun li cho c ngn hng v khch hng. ng thi to iukin cho cc ngn hng thng mi ch ng tch cc hn trong vic php trincho vay tiu dng.

- Ngn hng Nh nc nn ra mt chin lc pht trin chung cho cc ngnhng v hot ng cho vay tiu dng lm ng b ha hot ng ca cc ngnhng, nhm to s thng nht v cnh tranh bnh ng gia cc ngn hng tronghot ng cho vay tiu dng.

- Tng cng cng tc kim tra, thanh tra, gim st hot ng cho vay tiu dngca cc ngn hng thng mi hn ch cc sai phm, gim thiu ri ro cho ngnhng, bo v li ch cho khch hng. ng thi ban hnh cc quy ch x pht vi

phm ca c ngn hng trong qu trnh thc hin.

2.3. Kin ngh vi ngn hng CngThng Vit Nam_chi nhnh Bnhnh

- Kp thi c vn bn ch o, hng dn nghip v khi c cc vn bn mi caNHCT VN, hoc chnh ph v ca cc ngnh c lin quan n nghip v cho vaytiu dng. ng thi kp thi tho g cc vng mc cho cc phng giao dch cvn bn gi ln hi s chnh.

-Tuyn dng thm i ng nhn vin nng ng nng cao cht lng lm vic.

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- Vi mng lui hot ng ca Ngn hng trn a bn Tnh Bnh nh cn rt tso vi a bn Tnh. Cc phng giao dch huyn, x ca ngn hng Cng Thngcn t cha p ng nhu cu cho ngi dn, y l phn hn ch i vi vicm rng th phn vi cc khch hng thuc huyn khc trn khu vc Tnh Bnh

nh. Trong khi , cc phng giao dch thnh ph Qui Nhn li m rt gnnhau ch tp trung mt cm khch hng.

- C chnh sch khen thng hp l i vi nhng n v c kh nng pht trinnhng dch v ngn hng hin i nhm kch thch tinh thn thi ua sng to giacc n v. ng thi x pht i vi nhng cn b lm tri qui nh ca ngnhng.

- Nng cp c s vt cht, u t thit b cng ngh cho cc phng giao dch .

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PHN KT LUNNh vy, qua phn tch trn, hot ng cho vay tiu dng ca Ngn hng CngThng_chi nhnh Bnh nh tuy rng t c nhng thnh cng nht nh

trong khong thi gian gn y nhng vn cha thc s c ch trng v quantm thch ng, t l cho vay tiu dng trn ngun vn cn qu thp v cha h cmt chin lc c th no pht trin hot ng ny. Hot ng cho vay tiudng mang li rt nhiu li ch cho ngn hng, khch hng v cho c nn kinh t .V th ngn hng cn y mnh hn na hot ng ny. T nhng phn tch vmi trng kinh doanh, li th v uy tn, nng lc, c s vt chtta c th khngnh Ngn hng Cng Thng _chi nhnh Bnh nh hon ton c th m rnghot ng cho vay tiu dng. Tuy nhin ngn hng cng cn phi i mt vi rt

nhiu kh khn, thch thc xut pht t bn thn ngn hng v t nhng nhn tkhch quan khc.

Trong tng lai, hot ng tn dng ni chung v hot ng cho vay tiu dng niring ca chi nhnh s t c nhng thnh cng hn na, nng cao mc doanhli, nng cao uy tn cho chi nhnh, s gp phn thc y qu trnh xy dng v imi pht trin ton din nn kinh t nc ta, thc hin cng cuc cng nghip hohin i ho t nc, a nn kinh t nc ta ho nhp vo qu trnh ton cu honn kinh t.

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TI LIU THAM KHO- Nghip v ngn hng Trng i hc Kinh T TP.HCM. Ch bin:

Ts.Nguyn Minh Kiu

- Nghip v Ngn hng Thng Mi Trng i Hc Kinh T TP.HCM.Ch bin: PGS-TS.Nguyn ng Dn.

- Bo co kt qu kinh doanh Chi nhnh Ngn hng Cng Thng Bnh nhnm 2007-2009.

- Cc cng vn v quyt nh ti Ngn hng Cng Thng_chi nhnh Bnhnh.

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