Thực trạng và giải pháp nâng cao hiệu quả hoạt động huy động vốn tại phòng giao dịch Nguyễn Chí Thanh, NHTMCP Đại Á, chi nhánh Hà Nội

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  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    1/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    IH A S

    Tml mh` lm t`b ln `b v @m `l) _ht @na n`b th` t`b fl

    tk`b ~s t`m eh` tmht) l`b `bmhz mn mh` h mn t `l `ma tmck ez ll`l tk`b ems vl v t` tm bhh. tml mh` tm`m l`b lmh` il `x) `ms ls

    v v` s t i t i` v lz flm.. Tk`b ~s t`m ta eha v is` lmsx` `bs`

    v`) ll `b` m`b tm`b ah `b vnh t lm lmt) mhs ~s mkt `b msx `b v`

    ln ll `b` m`b l tm tl `b tl thz v a`m a i` tl t`b t`b `` eh`m

    t. Tsx `mh` tk l `m`b fl lmsx` ah lmk `` eh`m t) l`b tl msx `b

    v` ln ll `b` m`b n`b `b tl `mhs tmlm tml) em em` ah.

    @m` tml l ta ~sn` t`b ln mkt `b msx `b v` ln ll `b` m`b

    tm`b ah v ak`b as` ta mhs v ~sx t`m msx `b v` l`b `m tml t`b

    mhs ~s ln mkt `b `x th ll `b` m`b _ht @na) tk`b tmh bhn` eh` tz

    zm`b bhnk dlm @bsx` Lm Tmn`m) @MTALZ h ) lmh `m`m M @h) ca tml

    mh` th `bmh` ls Tml t`b v bhh zmz ``b lnk mhs ~s mkt `b msx `b

    v` th zm`b bhnk dlm @bsx` Lm Tmn`m) @MTALZ h ) lmh `m`m M @h. dh

    | m`b d` ln T\. T` Tm I`b F`m v | bhz `mht t`m t l` f `m`vh` zm`b bhnk dlm.

    _ et ls) th ba < lm`b7

    Lm`b H7 L | i is` v v` v `bmhz v msx `b v` ln @MTA

    Lm`b HH7 Tml t`b mhs ~s msx `b v` th ZBD @bsx` Lm Tmn`m)

    @MTALZ h ) lmh `m`m M @h

    Lm`b HHH7 At | bhh zmz ``b lnk mhs ~s msx `b v` th ZBD @bsx`

    Lm Tmn`m) @MTALZ h ) lmh `m`m M @h.

    Tvn`b >

    mailto:[email protected]://luanvan.forumvi.com/mailto:[email protected]://luanvan.forumvi.com/
  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    2/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    LM@B H7 L \ I IS@ _ _@ _ @BMHZ _ MSX @B _@

    LN @MTA

    >.> @BS@ _@ LN @MTA>.>.> L ls v` ln @MTA

    >.>.>.> _` ln `b` m`b

    I emk` v` tmsl | ms ln `b` m`b -l` bh i v` lm | ms() ` fnk

    ba v` t l v v` lkh `m t l

    n+ _` t l ba7

    ! _` hs i7 I emk` v` tmsl | ms ln `b` m`b) bmh tk`b f` hs i ln

    `b` m`b) l m`m tm`m `bnx t emh `b` m`b tm`b ah l tm`m iz.

    _` hs i l tm dk `m `l lz `s i `b` m`b tm`b ah ~sl dkn`m)

    l tm i v` `b bz ln l `b `s i `b` m`b tm`b ah l zm`.

    ^sx a v` hs i ln `b` m`b i` mnx `m i tx vk ~sx a ln `b` m`b

    v em`b l zmz `m m` v` zmz `m ~sx `m lmk `b` m`b . x i `bs`

    v` dsx `mt `b` m`b l zmz | d`b vk al lm asn |a th |`) tn`b tmht f

    fn` s lmk mkt `b ln `b` m`b v bz v` ih` dkn`m.

    ! ^s d t7 l m`m tm`m t 6 ~s i ~s d t f |s`b v` hs i v

    ~s d t l fht f z h k. Ll ~s `x l tlm t ih `ms` `b m`b `a

    ln `b` m`b.

    f+ _` lkh `m t l7

    _` lkh `m t l fnk ba ll emk` v` ta tmh `m` h ln `b` m`b. x

    i `m`b emk` v` l zm` f lmk `m`b al lm lmh ths `mt `m `m`b ta

    tmh lmn l | d`b) v d7 ih `ms` lm zm` f) th` i`b lmn ` m` tmn`mtk` mkl ll ~s lmsx` d`b lmn l | d`b ` `m ~s emc` tm`b) ~s zml

    ih) ~s ems mnk th |` l `m

    >.>.>.6 _` msx `b

    n+ Th` bh em`b e m`

    I ikh th` bh a `bh bh th` l tm t n ft l il `k. Th` bh em`b e

    m` l tk`b ll th emk` v`b inh. @bh bh th` l tm bh tma th` vk mkl

    t n ft l il `k `` d`b th` `x lm l m`b ih |st t tmz mkl em`b l

    Tvn`b 6

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    3/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    `b` m`b t ih `m`b h ih `bh bh th` l m`b ll dlm v tmn`m tk` ~sn

    `b` m`b. Ll `b` m`b tma lm l` xs ls dsx t at | d th tmhs t` th

    emk`.

    Ms mt th emk` v`b inh s d`b th emk` l em ``b zmt m`m |l) tl i`b` m`b lmk zmz `bh lm th emk` l zmz zmt m`m |l tmn`m tk`. Lm`b

    tm`b t` th ll d`b |ns7

    ! Th emk` |l

    ! Th emk` @KR -i`m t th` l tm lmsx` `m`b(.

    ! Th emk` th` bh tm t`b th` t -AADN|(

    ! Th emk` NT\ -Nstkanthl tn`|oc |x|tca nllks`t(

    f+ Th` bh l e m`

    I ikh th` bh a `bh bh lm l t n |ns at tmh m` `mt `m t at vh

    tm`b ` vh `a. Al ih |st ln th` bh l e m` tm`b lnk m` th` bh em`b

    e m` `m`b `bh bh th` em`b l m`b dlm v tmn`m tk` ~sn `b` m`b. Al

    lm lm xs ln `m`b `bh bh th` i ix ih.

    _ `bsx` tl) th` bh l e m` em`b l t n tl tmh m` |k`b tms mt

    emlm m`b) ll `b` m`b v` lmk zmz t tl m`. Tsx `mh`) `bh bh th` t

    tl m` | zmh lms at emk` zmt) lm`b m` lm l m`b ih |st f`b ih |st

    em`b e m` mkl em`b m`b ih.

    ll `l zmt th`) th` bh l e m` tm`b dh d`b ll lm`b lm th` bh

    -Lcthohlntc ko dczk|ht LD() l` _ht @na tm`b dh mnh d`b7

    ! Th` bh l e m` tmck th emk`

    ! Th` bh l e m` dh m`m tml zmt m`m e zmhs `b` m`b.

    l+ Th` bh tht ehaI emk` th` bh d`m ln l `m` l bh vk `b` m`b `ma al lm

    m`b ih tmck `m e. Ll al ih |st t`b `b vh t`b e m` l `b` m`b

    l`b f |`. Ll e m` tm`b i >) 6 tm`b mkl m` > `a. M`m tml zm

    fh` v l h` `mt ln th` bh tht eha i ikh th` bh tht eha l |. Emh bh th`)

    `b` m`b lz lmk `bh bh at ls` | d`b bmh `m` ll emk` th` bh vk v

    th` t n. ^sx` | `x `b tmh l bh t `m at lm`b tm }l `m` v emk` th`

    Tvn`b

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    4/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    bh. @bkh n) l` l `m`b m`m tml eml `m lm`b lm tht eha v th zmhs tht

    eha.

    _ht @na) th` bh tht eha fnk ba fn ikh |ns7

    ! Th` bh tht eha em`b e m`7 x i ikh th` bh tht eha a `bh bh th`l tm bh vk v t n tmck `ms ls | d`b a em`b l` fk tl lmk `b` m`b.

    @b` m`b t ih lmk ikh th` bh `x `m`b t tmz. Ikh th` bh `x b` bh`b vh

    th` bh em`b e m`) lm eml i ` is` l m`b ih) `m`b h ih em`b l

    m`b ll dlm v tmn`m tk` ~sn `b` m`b. Bh th` d`b `x `ma a fk n` tk`

    lmk emk` th`) d zm`b lmk ll `ms ls lmh ths tk`b tmh m` `b`) `b tmh l

    m`b at lmt ih tmz.

    ! Th` bh tht eha l e m`7 I ikh th` bh tht eha l tmh m` bh l `m

    tl. Ikh th` bh `x l`b t`b t `m th` bh l e m` ll ha i em`b l

    zmz t tl m` -`s t tl m` | zmh lms zmt `m lm l m`b ih |st

    em`b e m` mkl tma lm em`b l m`b ih() l m`b ih lnk m` ll d`b

    th` bh em`b e m` v em`b l m`b ll dlm v tmn`m tk` ~sn `b` m`b. _h

    d`b th` bh `x) `bh bh lm l bh th` vk at i` v t n at i` l v` i`

    ih emh ` m`. Ah i` bh l lkh i at emk` th` bh h`b fht. Al th tmhs ln

    ah i` bh th` dk t`b `b` m`b ~sx `m.

    ! Th` bh tht eha l al lm7 I m`m tml tht eha ts`b v dh m` `ma

    al lm }x d`b `m . @bkh m`b ih) tm `bh bh th` l` l `b` m`b lmk

    vnx `ma f |s`b tma v` lmk al lm }x d`b `m . Al lmk vnx th n f`b |

    d th` bh tht eha.

    Th` bh e m` v tht eha e m` i `bs` v` ~sn` t`b `mt ln `b` m`b

    tm`b ah. x i `bs` v` t`b h ` `m v `b` m`b `a l `m`b e is`lmsx` ln v`) v vx `b` m`b l tm d`b lmk vnx `b` m`) ts`b m` mkl dh

    m` s l.

    _` th` bh i `bs` v` lmha t t`b lnk `mt tk`b t`b | `bs` v`) i

    `bs` v` lm xs `b` m`b eh`m dkn`m. @ zm` `m f` lmt ln `b` m`b i h

    vnx lmk vnx. Lm`m v vx a `bh tn bh `b` m`b tm`b ah i `b` m`b bh

    th`.

    >.>.>.< _` h vnx

    Tvn`b 4

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    5/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    n+ _nx t @MTR

    Ft e `b` m`b tm`b ah `k emh l @MTR lmk zmz tm`m iz mkt `b

    s m`b ~sx` vnx th` th @MTR tk`b t`b mz tmhs d t mnx ~s tmhs th`

    at. @MTR lz t` d`b lmk ll `b` m`b tm`b ah lm xs dh mnh m`m tml) i7

    ! Lmht ems mnx th lmht ems ll lm`b t l bh.

    ! Lmk vnx tm lmz mnx `b tl.

    Dk vx) th` vnx @MTR l` bh i th` lmht ems mnx `b tl.

    Mh` `nx) @M@@ _ht @na z d`b < m`m tml lz t` d`b |ns7

    ! Lmht ems) th lmht ems tm`b zmhs v ll bhx t l bh `b` m` eml.

    ! Lmk vnx l a fk f`b la l tm`b zmhs v ll bhx t l bh `b` m`

    eml.

    ! Lmk vnx ih tmck m | t` d`b. Tm`b i ll m | t` d`b m t tmck xs

    ls ln `` eh`m t) `m tms asn i`b tml) ``b |`5 d t vt t) `bsx` ihs5 |`

    }st m`b mn }st ems tmsl dh` s th`....

    f+ _nx `b` m` ll emk` d t t ll TLTD eml

    Al lm lm`m ln ikh vnx `x i `ma a fk d t ft fsl tmck ~sx `m

    ln @MTR. Tk`b ~s t`m mkt `b) at | `b` m`b tm`b ah l `m`b `bx

    lmk vnx `mhs ~s d` ` | tmhs mt d t ft fsl th @MTR. Tk`b emh ih l

    at vh `b` m`b tm`b ah eml tmn d t. a fk d t tmck ~sx `m ln

    @MTR) `b` m`b tm`b ah tmhs mt d t | vnx ln `b` m`b tm`b ah l d

    t d tmn. Tmh m` ln ikh lmk vnx `x t `b`) tm`b em`b ~s at ts`.

    l+ _nx t ll l`b tx

    ll `l zmt th`) `b` m`b tm`b ah l` l tm vnx tl thz t ll l`btx f`b ll m`m tml.

    ! _nx `b` m` f`b ll Mz `b asn ih7 Mz `b asn ih i mz `b tk`b

    `b` m`b f` ll t` zmhs emk fl a ah`m n`b `a bh lmk ll t lml eh`m t

    n`b ta tmh tmn th` at) ea tmck hs emk` asn ih | t` zmhs |ns at vh

    `bx mnx at vh ts` vh al bh lnk m`. _ tml lmt) x i at l`b l vnx `

    `b` m` -tm`b em`b ~s mnh ts`( ln ll `b` m`b tk`b | d`b t` zmhs emk

    fl ia vt tm lmz. I`b th` at tms l t mz `b asn ih l }ca `m at

    Tvn`b 3

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    6/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    emk` vnx ` `b` m`. ll `l zmt th`) tmh bhn` th n ln mz `b `x

    tm`b em`b ~s mnh ts`.

    ! _nx t l`b tx a7 ll `l zmt th`) at l`b tx mkl at tz k` eh`m

    dkn`m l tm i lm ln at mkl `mhs `b` m`b tm`b ah. Emh `b` m`b tm`bah zmt m`m th zmhs mnx bhx ` vnx th` t tm t`b) ` | lms | ~s` i v

    `b fsl ln @MTR v d t) ih |st v tm tl5 tk`b emh ) `s l`b tx a tml

    mh` hs `x) ` em`b lms ll `b fsl v f` tm` ` em`b zmh i at `b`

    m`b tm`b ah. Dk vx) ll l`b tx a ln `b` m`b tm`b tmnx tm ` zmt m`m

    th zmhs) l zmhs l`b tx mkl ll ikh tm`b zmhs msx `b v`) |ns lmsx`

    v` msx `b l v lmk `b` m`b mkt `b dh m`m tml lmk vnx ih.

    d+ _nx t tm t`b th lm`m tk`b `l

    Ll `b` m`b tm`b ah l tm vnx t tm t`b th lm`m tk`b `l tm`b ~sn

    zmt m`m ll lm`b t l bh `m7

    ! Lm`b lm th` bh l em ``b lmsx` `m`b -@LD|(7 Ll lm`b lm th` bh

    l a`m bh i`) l tm asn h f` ih t` tm t`b emh lmn k m`. Tmh bhn` k

    m` ln ikh lm`b lm `x tm`b em`b ~s ? tm`b e t `bx zmt m`m.

    ! Th zmhs `b` m`b7 At l`b l vnx ` dh m` ln `b` m`b t` tm t`b

    lm`b emk`. Tmh m` vnx tm`b t 6 `a t i`. Ikh `x l tm asn h f` ih t`

    tm t`b lm`b emk` emh lmn k m`.

    c+ _nx `l `bkh

    Ll `b` m`b tm`b ah l`b l tm ta eha `bs` v` mkt `b t vhl zmt

    m`m zmhs ` vnx th` `l `bkh. Dk ikh th` | d`b tk`b tmn`m tk` ~sl t

    mh` `nx i S\D `` vnx th` `l `bkh tm`b vnx f`b S\D.

    `mhs `l -M` ^sl) _ht @na) Tmh In`...( vhl zmt m`m ikh th zmhsCsk Dkiin| -th` bh f`b S\D ll `b` m`b mkl lmh `m`m `b` m`b em`b

    tmsl `l A( lm l bhh m` vk at | `b` m`b l fht `m @b` m`b `bkh

    tm`b) @b` m`b }st `mz ems.

    >.>.>.4 Ll `bs` v` eml

    ! _` th t) v` s t zmt th`) v` x tml s t lmk vnx tmck ll lm`b

    t`m) d ` }x d`b)...

    Tvn`b ?

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    7/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    ! _` m`m tm`m tk`b ~s t`m mkt `b ln `b` m`b) v d `m t`b `bmhz

    v ~sn ih `b `bmhz) tk`b `bmhz v ts`b bhn` ln `b` m`b -th` e ~s ln

    emlm m`b a fk tmn`m tk` tk`b zm`b tml tmn`m tk` tk` t` d`b lm`b t

    ! I+L(.>.>.6 _nh t ln v` tk`b mkt `b ln @MTA

    L`b `m ah ` v eh`m dkn`m eml) as` mkt `b eh`m dkn`m `b` m`b

    tm`b ah zmh l l | s th` i v`. _` `b vnh t v l`b ~sn` t`b tk`b

    mkt `b ln @MTA.

    Tm `mt) v` i l | ft e at ikh m`m dkn`m `bmhz `k l tm th` m`m

    mkt `b eh`m dkn`m. M` `n) vh l t`b ln mkt `b `b` m`b) v` em`b lm

    i zm`b th` eh`m dkn`m a l` i h t`b eh`m dkn`m lm xs. T` tml t) `b`

    m`b `k l emh i`b v` i` m` tm `b` m`b l ih tm l`m tn`m m` tk`b

    eh`m dkn`m.

    Tm mnh) v` `m m`b tl thz ` ~sx a ll mkt `b ln `b` m`b tm`b

    ah. _` `m m`b i` ` vhl a `b mnx tms mz t` d`b) mkt `b fk i`m)

    eh`m dkn`m `bkh t mnx tk`b mkt `b tmn`m tk` ln `b` m`b tm`b ah.

    Tm fn) v` i xs t ~sxt `m ``b il tmn`m tk` v a fk sx t` ln `b`

    m`b t` tm t`b. Eh`m dkn`m th` t i at i`m vl eh`m dkn`m lmn `b t `mhs

    h k) fh vx sx t` h vh emlm m`b i v l`b ~sn` t`b h vh emlm m`b. Msx

    `b v` tt v | d`b v` mhs ~s) a fk em ``b tmn`m tk` lm`m i fhs mh`

    tm mh` lm t` v tk `ha th` ln `b` m`b lmk emlm m`b.

    @m vx) v` `b vnh t lm lmt) ~sxt `m ``b il l`m tn`m v mhs ~s

    mkt `b eh`m dkn`m ln `b` m`b.

    Tk`b l ls v` ln `b` m`b) v` t l lm lmha emk`b >:# l` ih i v`msx `b v ll `bs` v` eml. @m vx) v` t l bh vnh t ~sn` t`b tk`b vhl

    tm`m iz `b` m`b) `m`b |ns emh h vk mkt `b) v` msx `b `b vnh t v

    l`b ~sn` t`b tk`b mkt `b eh`m dkn`m ln `b` m`b. ^sx a `bs` v` msx

    `b ~sxt `m th ~sx a s t) lmk vnx) v `m m`b i` ` tms `mz ln `b`

    m`b. _` msx `b l lkh `m i ` fx eh`m dkn`m v mhs ~s mkt `b msx

    `b v` i at tk`b `m`b xs t ~sxt `m ` | tm`m fh ln `b` m`b tm`b

    ah tk`b i`m vl eh`m dkn`m th` t.

    Tvn`b 2

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    8/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    >.6 MKT @B MSX @B _@ LN @MTA

    >.6.> Emh `ha v mkt `b msx `b v` ln @MTA

    Mkt `b msx `b v` ln ll `b` m`b tm`b ah i mkt `b a tk`b

    ll `b` m`b `x ta eha `bs` v` em d`b t ll lm tm eml `ma a fk |v` m`m f`m tm`b) mhs ~s ln f` tm` ` tmck `b ll ~sx `m zmz ist

    @bmhz v msx `b v` an`b ih `bs` v` lmk `b` m`b tml mh` ll `bmhz

    v eh`m dkn`m eml. Em`b l `bmhz v msx `b v`) @MTA | em`b l v` th

    t lmk mkt `b eh`m dkn`m ln a`m. At eml) tm`b ~sn `bmhz v msx `b v`)

    @MTA l tm k i`b l | t` `mha ln emlm m`b h vh `b` m`b.

    >.6.6 Zm` ikh ll m`m tml msx `b v`

    >.6.6.> L` l tmck tmh bhn`

    n+ Msx `b v` `b` m`7

    x i m`m tml msx `b lm xs tk`b ll `b` m`b tm`b ah tm`b ~sn

    vhl zmt m`m ll l`b l ` `b` m` t` tm t`b th` t v ll `bmhz v `m`

    th` bh `b` m`) th` bh tmn`m tk`... Dk tmh m` `b` `` ih |st msx `b `b`

    m` tm`b tmz) tsx `mh` t`m ` `m ih ea..

    f+ Msx `b v` ts`b m`7

    Msx `b v` ~sn zmt m`m ll l`b l ` ts`b m` t` tm t`b v` mkl

    `m` th` bh ts`b m` -t > ` 3 `a(. _` msx `b `x `b` m`b l tm | d`b

    t`b h dh v tms` th`) tsx `mh` ih |st tm`b lnk m` `bs` `b` m`. @bs`

    ts`b m` t ~sn` t`b v l` tmht `b` m`b tml mh` ll mkt `b s t) tmnx

    h l`b `bm v lmk vx ts`b) dh m` vh ih |st lnk.

    l+ Msx `b v` dh m`7

    Mkt `b msx `b v` dh m` t` tm t`b v`) vh `bs` msx `b `x`b` m`b l tm | d`b d d`b) l t`m ` `m lnk -t 3 `a t i`() dk vx ih |st

    a `b` m`b zmh t l`b t lnk.

    v dh m`7 msx `b v` ts`b v dh m`) @MTA l tm zmt m`m e zmhs)

    l zmhs) th zmhs.

    >.6.6.6 L` l tmck h t`b msx `b

    n+ Msx `b v` t d` l

    Tvn`b =

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    9/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    x i at ems vl msx `b x tha ``b lmk ll `b` m`b. @b` m`b msx

    `b ll emk` th` `m` h ln d` lm`b v |ns lmsx` ` lmk `m`b `bh l`

    v` a `b s t) eh`m dkn`m. @bs` msx `b t d` l tm`b em ` `m.

    f+ Msx `b v` t dkn`m `bmhz v ll t lml } mhx i `bs` msx `b l `m bh i t i`) lmha t t`b lnk tk`b t`b

    `bs` v`. tht eha tmh bhn` v lmh zm tk`b tmn`m tk`) ll dkn`m `bmhz d i`

    mnx `m s l th emk` tk`b `b` m`b. Dk lms e t th` ln ll dkn`m `bmhz v

    ll t lml } mh em`b bh`b `mns `` `b` m`b is` l tk`b tnx at emk` th`

    i` | d`b at llm t`b h tms` ih. Tsx `mh`) i` ln emk` th` `x zm

    tmsl vk ll dlm v) th` lm a `b` m`b an`b ih emh emlm m`b | d`b dlm v.

    hs `x emh` lmk vhl msx `b v` t ll dkn`m `mhz v t lml } mh b` ih` vh

    vhl a `b) lh th` ll dlm v `b` m`b.

    l+ Msx `b v` t `b` m`b v ll t lml t` d`b eml.

    Emh }st mh` vhl tmhs mt d t mnx em ``b tmn`m tk` f c dn) ll `b`

    m`b tm`b ah l tm vnx i` `mns tm`b ~sn ll th emk` th` bh l a i` `mns

    ll `b` m`b. @b` m`b ts`b `b i `bh lmk vnx lsh l`b ls ll `b`

    m`b tm`b ah l `bsx l zm |`. Msx `b v` t ll `b` m`b v t lml t`

    d`b eml tsx em d d`b `m`b | i`b tm`b em`b `mhs v lmh zm msx `b lnk

    m`. Dk vx) m`m tml `x ll `b` m`b | d`b em`b `mhs.

    >.6.6.< L` l tmck f` lmt ll `bmhz v msx `b v`

    n+ Msx `b v` ~sn `bmhz v `m` th` bh

    ! Msx `b th` bh em`b e m`

    ! Msx `b th` bh l e m`

    ! Msx `b th` bh tht eha l e m`! Msx `b th` bh tht eha l tmh m` dh

    f+ Msx `b v` ~sn `bmhz v h vnx

    ! _nx t ll t lml t` d`b

    ! _nx t `b` m`b ts`b `b

    l+ Msx `b v` ~sn zmt m`m ll l`b l `

    vnx t` tm t`b) `b` m`b l tm zmt m`m th zmhs `b` m`b v e

    zmhs.

    Tvn`b 8

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    10/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    ! Th zmhs `b` m`b7 I at bhx t l bh) }l `m` emk` ` ln emlm m`b

    h vh `bh lm `b` m`b vh `m`b lna et `m tmn`m tk` at | th` }l `m

    vk at `bx }l `m tk`b t`b inh vh tmh m` }l `m lmk tl. Th zmhs l

    zmt m`m tk`b tk` f m tm`b `b` m`b) lm xs i msx `b v` ts`b v dhm`.

    ! E zmhs7 I at ikh bhx t l bh `b` m` dk `b` m`b zmt m`m `ma msx

    `b v` tk`b d`) lm xs zml v lmk `m`b e mklm eh`m dkn`m }l `m ln

    `b` m`b `m at d `) at lm`b t`m eh`m t...

    d+ Msx `b v` ~sn ll m`m tml eml.

    t`b l`b msx `b v` `m` h t d` l) ll t lml eh`m t) ll dkn`m

    `bmhz) ll `b` m`b tm`b ah l` | d`b ll m`m tml eml v dlm v } mh7

    ia dlm v fk i`m) h i zmt m`m lm`b emk`) ts`b bhn` tmn`m tk`) s ah

    tk`b mz `b th t....

    >.< MHS ^S MSX @B _@ LN @MTA

    >. Emh `ha v mhs ~s msx `b v`

    Mhs ~s msx `b v` l tm mh` em ``b z `b lnk `mt `ms ls |

    d`b v` ln `b` m`b. i | z `b at llm ez tmh) x `ms ls | d`bv` al lmh zm mz i `mt.

    >.. Lmh zm msx `b v`+ t`b v` msx `b.

    Lmh zm msx `b fnk ba lmh zm ih -t`m dn t` ih |st `b` m`b l`b f lmk

    emlm m`b( v lmh zm `bkh ih -lmh zm eml ih` ~sn` ` mkt `b msx `b v`

    `m7 lmh zm ~s` i) lt bh) fk ~sn`) i`b l`b `m` vh`)....(.

    @m vx) emh }ca }t mhs ~s msx `b v`) lmh zm lmk at `b v` zmh mzi) a fk ll emk` tms `mz l tm f z l lmh zm `x v l ih `ms` lmk

    `b` m`b. Lm ths `x l`b tmz tm msx `b v` l`b l mhs ~s. Tsx `mh` l`b

    zmh tmx `b bha lmh zm msx `b v` tm zmh bha ih |st v l ll lmh zm ih`

    ~sn` al th s `mt. _hl n n at ih |st mz i i t ~sn` t`b) ih |st em`b

    ~s lnk a fk ih lm `b` m`b) l`b em`b ~s tmz tms mt l emlm

    m`b. `b tmh bha ll lmh zm `bkh ih l`b | ``b lnk mhs ~s msx `b v` ln

    `b` m`b.

    Tvn`b >:

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    11/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    >....882() Zmz i`m `b` m`b) mz tl } v l`b tx th lm`m

    ->88:() Ist `b` m`b @m `l _ht @na ->88=() ll lm tm) tm`b t..... Tk`b ~s

    t`m msx `b v`) ll `b` m`b zmh tsxt h ts` tm ll ~sx `m `x.

    f+ T`m m`m lm`m t) eh`m t) } mh tk`b v `bkh `l

    T`m m`m lm`m t tk`b v `bkh `l l tl `b t v a`m a ` mkt

    `b `b` m`b. Lm`m t ft ` is` ek tmck t`m t`b mkt `b v` ln `b` m`b

    f t t fh `bh d` at i`b th`. @bl ih) | ` `m tk`b f ax i`m k | iall `b` m`b tm`b ah msx `b v` d d`b m`.

    l+ Ta i) tmh ~sc` ths d`b ln `bh bh th`

    Tz ~s` ths d`b ln `bh d` l ta `m m`b ~sn` t`b th vhl msx `b

    v` ln `b` m`b. Emh `bh d` l tmh ~sc` bh th` vk `b` m`b tmnx v lt t

    th` at tk`b `m) vhl msx `b v` ln `b` m`b | d d`b m` t `mhs. F`

    l`m ) tmh ~sc` tmn`m tk` emh asn m`b l`b bz zm` ia t`b bha `bs` v`

    msx `b. `m`b `l d` lm`b ~sc` vh vhl tmn`m tk` f`b th` at lm

    Tvn`b >>

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    12/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    em`b tmn`m tk` ~sn `b` m`b vhl msx `b ll `bs` v` `b` m` f`b th emk`

    tmn`m tk` ln `b` m`b l`b bz `mhs em em`.

    >.

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    13/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    6.> T@B ^SN@ _ ZM@B BHNK DLM @BSX@ LM TMN@M) @MTALZ

    H ) LMH @M@M M @H

    6.>.> ^s t m m`m tm`m v zmt th`

    n+ @b` m`b TALZ h @b` m`b TALZ h -DnhN fn`e( l tm`m iz v h vk mkt `b t `bx

    88 t `b v`

    hs i) ` `nx h @b` m`b th ~sn >= `a zmt th` vt fl. _h v` hs

    i7 :: t `b v a`b ih mkt `b ba 32 lmh `m`m v Zm`b bhnk dlm t` l

    `l

    f+ @b` M`b TALZ h !ZBD @bsx` Lm Tmn`m

    n lm dkn`m `bmhz7 >>= @bsx` Lm Tmn`m) Z. I`b Tm`b) ^. `b n) M

    @h

    h` tmkh7 -=4!4( >= @bsx` Lm Tmn`m) ~s` Fn `m.

    T`m ` mh` th @b` m`b h Lmh `m`m M @h l >4 ha bhnk dlm

    tk`b l :> lmh `m`m v >< Zm`b bhnk dlm tl tmsl. @m vx) tl zmt th`

    a`b ih ZBD ln @b` m`b h i t`b h tt.

    L`b vh ll lmh `m`m) zm`b bhnk dlm eml tk`b m tm`b DnhNFn`e) zm`b

    bhnk dlm @bsx` Lm Tmn`m ! lmh `m`m M @h mkt `b vh ll lml ``b7 @m`th` bh f`b _@) `bkh t5 lmk vnx zml v |` }st) eh`m dkn`m v ths d`b5 dlm

    v tmn`m tk`) lmsx` th`) lmsx` th` `mn`m Rc|tc` S`hk`5 tms h `bkh t5 dlm v

    NTA ZBD `x l et `h tl tsx` vh mh | v tt l ll lmh `m`m) zm`b bhnk

    dlm tk`b m tm`b. Emlm m`b l tm bh th` v t th` ah `h tk`b m tm`b

    DnhNFn`e) l ls`b lz ll dlm v ~sn `b` m`b h` t -\A\ fn`eh`b) h`tc`ct

    fn`eh`b...(.

    6.>.6 L ls t lml v ~sx a

    Tvn`b >

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    14/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    Ah l tm`m iz t s `a 6::8) ZBD @bsx` Lm Tmn`m l l ls t lml `

    bh` `m`b mhs ~s. ZBD ba 2 l` f `m` vh`7 > Bha l) > Eha |kt vh`) 6

    L` f ~sn` m emlm m`b) 6 Bhnk dlm vh` v > ^s` i t` d`b.

    Bha l7 @bh l ~sx` m` lnk `mt ZBD) `bh l fn` bha l `b`m`b x ~sx` tl thz ~sxt `m) tml mh` vhl e et ll mz `b) v` f` ih`

    ~sn` ` mkt `b ln ZBD.

    Eha |kt vh`7 Eha tn t`m mz zmz) ts`b tml) l` t`b ln `m` vh`

    tk`b ZBD5 tma `m fk lk et ~s mkt `b eh`m dkn`m v ll fk lk eml tl

    emh t`m i` lz t`5 eh` `bm vhl |n h) f |s`b l ls ~s` i) hs m`m l`b

    vhl eh`m dkn`m ln ZBD.

    L` f ~sn` m emlm m`b7 Ta eha v a `b ~sn` m vh emlm m`b) fnk

    ba l mkt `b msx `b v` v lmk vnx. Tma `m m | t` d`b ln emlm m`b

    vnx v`) ta eha v dsx t `bs` v` msx `b.

    Bhnk dlm vh`7 Tml mh` ll bhnk dlm th` at th ~sx lmk emlm m`b l `ms

    ls) tml mh` ll dlm v lmsx` th` tk`b v `bkh `l) `m` th` bh) ia tm tl

    a | tht eha) a th emk` tm lmk emlm m`b)....

    ^s` i t` d`b7 ^s` i t`m t`b ` ln emlm m`b -` ~s m`) ` }s)...(.@ml `m emlm m`b v tmh m` t ih vnx v v` bl) eha |kt t`m m`m | d`b

    v` ln `bh vnx -vhl | d`b v` vnx `b al lm) `b ~sx t`m)...(

    6.>.< Et ~s mkt `b eh`m dkn`m.

    T`m m`m mkt `b eh`m dkn`m ln ZBD |ns mnh `a mkt `b -6::8!6:>:(.

    ` v7 Ths `b

    Lm ths @a 6::8 @a 6:>:

    T`b t`b 6::3 +

    6::4 -#(

    Msx `b v` 3>.43= ?6.6>)>?

    @h t 4 34.?62 >64)23

    @bkh t 2.??2 2.2>= >::)?2

    \ d`b v` 4=.3:: 33.8>: >>3)6=

    @h t 46.86: 48.=8: >>?)64

    @bkh t 3.3=: ?.:6: >:2)=8

    Tvn`b >4

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    15/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    @bs`7 Zm`b ~sn` m emlm m`b) ZBD @bsx` Lm Tmn`m) lmh `m`m M @h) `b`

    m`b TALZ h

    @m vx) |k vh `a 6::8) t`b | v` msx `b v | v` | d`b f`b _@D v

    `bkh t -lm xs i S\D( ln ZBD s t`b. Tk`b ) tl t`b ln v` msx `bi i` m`) emk`b >6:#) tl t`b t`b t` d`b al emk`b >3:#. \ t`b

    t`b `x lm xs i `m t`b t`b tk`b msx `b v | d`b v` f`b _@D) t`b

    t`b h vh `bkh t ms `m em`b `b e.

    Ih `ms` t l

    Lm ths

    @a 6::8 @a 6:>:

    \ d-ths `b(

    Zm` ta-#(

    \ d-ths `b(

    Zm` ta-#(

    T`b dkn`m tms ?.:3= >::):: =.28: >::)::

    Tms t ih t` d`b 4.64> ?8)32 3.2>4 ?3):>

    Tms t dlm v >.=>2 )6> 3.3== =3)::

    Lmh zm ls`b lz

    dlm v8=)28 8=? >3)::

    Ih `ms` tl

    tms>.>:= >.=:) ZBD @bsx` Lm Tmn`m) lmh`m`m M @h) `b` m`b TALZ h .

    Tk`b `a 6:>:) t`b dkn`m tms) lmh zm v ih `ms` tl tms s bhn t`b tm

    mh` at | t`b t`b v ~sx a mkt `b ln ZBD @bsx` Lm Tmn`m. T i ih

    `ms` tl tms |k vh dkn`m tms ln ZBD vk emk`b b` 6:#) x i al em lnk

    |k vh at f`b lms`b ln `b`m.

    Dkn`m tms ln ZBD l `b bz lm xs f`b `bs` tms t ih t` d`b) `a

    6::8 `bs` `x lmha th 2:#) |n`b `a 6:>: t i `x bha }s`b l` ?3#5 `bs`

    Tvn`b >3

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    16/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    tms l` ih i t zm dlm v `m dlm v tmn`m tk` ~sl t) tms t lm`m ilm t bh) zm

    lmsx` th`)... Lmh zm ih lmha zm` i` tk`b t`b lmh zm ln `b` m`b) =># tk`b

    `a 6::8 v =3# tk`b `a 6:>:) `bsx` `m` ln | bhn t`b t t`b `x zm` i`

    i v at f`b ih |st `a 6:>: t`b `b e |k vh `a 6::8 et mz vh | bhn t`bln `bs` v` msx `b l ln ZBD5 zm` lmh zm l` ih i t lmh zm zmt |h`m

    tk`b ~s t`m ls`b lz dlm v lmk emlm m`b `m lmh zm at f`b) lmh zm h`

    `l) lmh zm `m` vh`) ..... emk`b t m` 6:# tk`b t`b lmh zm.

    6.6 TML TV@B MHS ^S MKT @B MSX @B _@ TH ZM@B

    BHNK DLM @BSX@ LM TMN@M) @MTALZ H .

    6.6.> L ls `bs` v` msx `b

    6.6.>.> Tl t`b t`b v` msx `b.

    @a 6::8 l`b i `a s th` h vk mkt `b) t`b `bs` v` msx `b l

    ln ZBD @bsx` Lm Tmn`m i 3>) 43= t `b. \ns at `a) | v` `x t`b i`

    ?6)> t t`b `b vh m` 6>#. x l }ca i at tm`m l`b

    i` h vh at ZBD ah l tm`m iz.

    6.6.>.6 L ls msx `b v` tmck h t`b msx `b

    ` v7 Ths `b

    Lm ths

    @a 6::8 @a 6:>:

    \ dT t`b

    -#(\ d

    T

    t`b -#(Th` bh ln ll

    t lml eh`m t>?.63: .3= 64.66> 3

    Zmt m`m lll`b l `

    : : : :

    T`b 3>.43= >:: ?6.::@bs`7 Zm`b ~sn` m emlm m`b) ZBD @bsx` Lm Tmn`m)lmh `m`m M @h)

    `b` m`b h ls`b lz

    @bs` v` ln ZBD @bsx` Lm Tmn`m lm xs i t mnh h t`b lm`m i ll

    t lml eh`m t v emh d` l. L`b `m ll `b` m`b tm`b ah eml) `bs` v`

    lmha t t`b lnk `mt tk`b t`b | v` msx `b i t ems d` l) lmha m` ?=#

    vk `a 6::8 v ?># `a 6:>:. Thz tmck i `bs` th` bh ln t lml eh`m t) lmha

    Tvn`b >?

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    17/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    emk`b >+< t`b v` msx `b ln ZBD. Zm`b bhnk dlm ms `m em`b zmt m`m ll

    bhx t l bh mnx ll l`b l ` v m` lm v ~sx a.

    Tk`b `a 6:>:) | d th` bh ln l 6 ems vl msx `b s t`b lm`b t |

    tm`m l`b tk`b vhl t`b ~sx a msx `b th` bh ln ZBD. Tsx `mh`) l | tmnxh tk`b l ls. T t`b th` bh t ems d` l bha emk`b 2#) `bl ih `b bz

    ln th` bh t t lml eh`m t t`b emk`b 2#) ZBD v` lmn tml mh` vhl zmt m`m

    l`b l `. @m vx l | t`b t`b tk`b ~sx a v` msx `b v | lmsx` dlm

    `m tk`b l ls v` tmck h t`b emlm m`b msx `b ZBD @bsx` Lm Tmn`m)

    lmh `m`m M @h ln @MTALZ h .

    6.6.>.< L ls msx `b v` tmck e m`

    ` v7 Ths `b

    Lm ths

    @a 6::8 @a 6:>:

    \ dT t`b

    -#(\ d

    T t`b

    -#(_` em`b

    e m`4.?8< 8)>6 3.=68 8).?2= .

    T`b 3>.43= >:: ?6.::@bs`7 Zm`b ~sn` m emlm m`b) ZBD @bsx` Lm Tmn`m)lmh `m`m M @h)

    `b` m`b h ls`b lz

    Tmck e m`) `bs` v` ZBD @bsx` Lm Tmn`m l lmhn tm`m v` em`b e

    m` v v` l e m`. M`m tml e m` ZBD t n d`b z `b `ms ls bh th`

    ln emlm m`b. Ll al e m` ba l >) 6) < ts`) >) 6) 6) >=) 64 v `a lmha t t`b

    Tvn`b >2

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    18/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    i` `mt) emk`b b` 8:#. x l`b i l ha lms`b ln ll `b` m`b tm`b ah

    eml) `bs` v` `x lmk zmz ZBD tz ts`b vk ll emk` t` d`b `b` m` v at

    zm` lmk vnx ts`b v dh m`. _` ts`b v dh m` i `m`b `bs` v` l e m` t`

    > `a) i`b v` `x t t) lm lmha emk`b 6 ` < # ZBD @bsx` Lm Tmn`m)x i `bs` v` t ` `m) l tm | d`b ih`m mkt lmk `mhs al lm eml `mns v

    l tm | d`b lmk vnx mkl s t dh m`.

    \ns mnh `a mkt `b) l at | tmnx h `m tk`b l ls e m` v` ln ZBD.

    T t`b v` em`b e m` v `b` m` t`b `m) emk`b :)6# h vh v` em`b e

    m` v :.=# h vh v` e m` `b`. Tk`b emh ) v` ts`b v dh m` bha m` >#.

    Tsx tmnx h `x em`b i` `m`b l`b tm mh` em em` mh` `nx ln ll `b` m`b

    tm`b ah _ht @na `h lms`b v ln ZBD `h h`b tk`b v` tms mt `bs` v`

    ts`b v dh m` tml mh` ll emk` t` d`b v s t is dh m`.

    6.6.>.4 L ls msx `b v` tmck ikh th`

    ` v7 Ths `b

    Lm ths

    @a 6::8 @a 6:>:

    \ dT t`b

    -#(\ d

    T t`b

    -#(

    @h t 4 =3)>: 34.?62 =2)?6

    @bkh t ~sx

    h n `h t2.??2 >4)8: 2.2>= >6).43= >:: ?6.::

    @bs`7 Zm`b ~sn` m emlm m`b) ZBD @bsx` Lm Tmn`m)lmh `m`m M @h) `b`m`b h ls`b lz

    Tmck ikh th`) `bs` v` msx `b fnk ba `h t _@D v `bkh t -lm xs i

    S\D(. ZBD @bsx` Lm Tmn`m msx `b v` lm xs i t _@D) `bs` `x lmha

    m` =3# tk`b `a 6::8 v b` ==# tk`b `a 6:>:. T t`b v` `h t msx `b

    t`b t`b `b vh v` msx `b f`b `bkh t bha }s`b) t >4)8# `a 6::8 l`

    >:.

    Tvn`b >=

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    19/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    6.< Lmh zm msx `b v`

    6. Ih |st msx `b

    n+ Ih |st msx `b _@D

    Tmh bhn` vn ~sn) l`b `m ll `b` m`b tm`b ah eml) a fk em``b l`m tn`m t` tm t`b th` t) `b` m`b h th` m`m t`b ih |st. Ih

    |st msx `b _@D t`b t al dh >:#+ `a vk s `a 6::8 ` emk`b

    >>)3#+ `a vk lsh `a 6:>:. Mh` `nx) ih |st i b` >4# v ZBD @bsx` Lm

    Tmn`m n`b z d`b fhs zm ih |st msx `b `m |ns7

    @bs`7 Rcf|htc lm`m tml ln `b` m`b h

    mttz7++rrr.dnhnfn`e.lka.v`+Dconsit.n|z};lti1/tnf1/lhd1>>8/zhd13,onbac`t!2:

    f+ Ih |st msx `b `bkh t S\D

    s `a 6::8) ih |st msx `b S\D ln `b` m`b h vk emk`b ?2 >4.::::6 ts` >.>?2 >4.::::< ts` >.>?2 >4.:::

    E m` > tm`b >.>?2 >4.:::E m` 6 tm`b >.>?2 >4.:::E m` < tm`b >.>?2 >4.:::E m` ? tm`b >.>63 >.>63 >6 tm`b >.>?2 >4.:::

    E m` >< tm`b >.>?2 >4.:::E m` >= tm`b >.::: >6.:::E m` 64 tm`b >.::: >6.:::E m`

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    20/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    @bs`7 Rcf|htc lm`m tml ln `b` m`b TALZ h

    mttz7++rrr.dnhnfn`e.lka.v`+Dconsit.n|z};lti1/tnf1/lhd1>>8/zhd13,onbac`t!2>

    6. ts` :.:=< >.::::6 ts` :.:=< >.::::< ts` :.:=< >.:::

    E m` > tm`b :.>?2 6.:::E m` 6 tm`b :.>?2 6.:::E m` < tm`b :.>?2 6.:::E m` ? tm`b :.>?2 6.:::E m` 8 tm`b :.>?2 6.:::E m` >6 tm`b :.>?2 6.:::E m` >< tm`b :.>?2 6.:::E m` >= tm`b :.>?2 6.:::

    E m` 64 tm`b :.>63 >.3::E m`

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    21/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    :) t`b b` >> t

    `b) t`b `b m` 6># |k vh `a 6::8.

    ! M`m tml msx `b v` ln ZBD l`b t n d`b) zm mz vh `ms ls) tm

    mhs emlm m`b. Zm`b bhnk dlm tms mt l `mhs h t`b emlm m`b f`b ll

    e m` bh th` zmk`b zm -em`b e m`) ts`) tm`b) `a)...() ih |st ih`m mkt `m`b

    v` tk`b zma vh l zmz ln @MTR et mz vh ll m`m tml t`b ~s) emsx`

    ah emsx` emlm `bh bh th`. ZBD tm`m l`b tk`b vhl vn tms mt l

    emlm m`b ah a v` a fk xs ls mhs ~s tk`b eh`m dkn`m zmt th` `

    `m is dh.

    ! ZBD ia tt l`b tl tms lmh th` at v tmn`m tk` `mn`m `mx) n` tk`)

    lm`m }l tmck xs ls ln ll ` v eh`m t. @m vx) t i v` msx `b t ll `

    v eh`m t t`b t .3=# `a 6::8 ` :) t`b `b

    emk`b b` = t `b

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    22/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    LM@B HHH7 BHH ZMZ @@B LNK MHS ^S MSX @B _@ TH

    @MTALZ H ) ZM@B BHNK DLM @BSX@ LM TMN@M) M @H. `m m`b msx `b v`

    ! Tk`b `m`b `a th) ZBD @bsx` Lm Tmn`m l` l fht ~sn` ta x a`m

    l`b tl `bs` v`7 l b`b dsx t v t`b t`b `bs` v` mh` l) lm `b `bmh`

    ls tm t`b l zm`b ` ah mz i. Tk v` tm`b ~sn ll `bmhz v tmn`m

    tk` i m`m tml msx `b v` mhs ~s `mt) fh em`b lm l lmh zm t ih tmz a

    l` an`b ih `bs` tms dlm v `b e lmk @b` m`b.

    ! Tml mh` lmh` il msx `b v` zmh is` h h vh lmh` il | d`b v`)

    `s em`b | bx z il i` v lmh zm v ia bha mhs ~s mkt `b msx `b v`.

    ! Thz tl n d`b mn ll m`m tml bh th` vh ll al ih |st ih`m mkt v mz

    d` emlm m`b tms mt `bs` v` t `mhs tm`m zm` eh`m t) `mhs h t`b

    emlm m`b.

    ! ]x d`b m`m `m z ln ZBD tk`b i`b emlm m`b tk d`b `ha th` v

    ah ~sn` m is dh) tk ih tm l`m tn`m h`b l h vh ZBD) ll lmh `m`m `b`

    m`b eml.

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    23/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    L e mklm tsx` d`b v k tk `m` vh` bhh -k tk lmsx` a`) e ``b

    aa) `bkh `b)...() l lm h `b tm`m tlm lms`b emsx` emlm `m` vh`)

    t`b mhs ~s l`b vhl

    ! ]x d`b v` mn dkn`m `bmhz7 _` v` mn dkn`m `bmhz i at tk`b`m`b xs t l f` tl `b `mhs ` et ~s eh`m dkn`m `h lms`b v et ~s msx

    `b v` `h h`b ln `b` m`b. ]x d`b v` mn dkn`m `bmhz i`m a`m) tmh

    ln `m` vh` `b` m`b ilm |) `b al lm`m i }x d`b f at) sx t` ln ZBD

    h vh emlm m`b) l fht i h vh at ZBD ah l tm`m iz `m ZBD @bsx`

    Lm Tmn`m. @ | i th |` v m`m) i `bs` il tk n ih tm l`m tn`m) tk `ha th`

    lmk emlm m`b ` bh th`) tml x t`b t`b `bs` v` msx `b.

    Lm h `b l`b f`b) emc` tm`b dn t` mhs ~s l`b vhl.

    Lm t`b ll mkt `b k` tm `ma tk ah ~sn` m b` f bhn l` f)

    `m` vh` tk`b ZBD v tk em`b em tmkh ah |ns bh ia lmk `m` vh`.

    Tvn`b 6

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    24/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    ET IS@

    @bmhz v msx `b v` is` i at tk`b `m`b `bmhz v l f`) ~sn` t`b

    `mt v tl `b tl thz ` et ~s eh`m dkn`m ln `b` m`b tm`b ah. L`b tl`bs` v` l tml mh` tt v t mhs ~s lnk tm ah l tm ia bhn t`b ih `ms`

    v a fk | zmt th` ` `m) f` v`b lmk ll `b` m`b. Fh vx) l`b tl `x

    is` `m` l | s t) lm t`b ln zm`b bhnk dlm @bsx` Lm Tmn`m) @MTALZ

    h ) lmh `m`m M @h. ^sn ~s t`m eh` tz `a ts` zm`b bhnk dlm) th `m`

    tmx) h vh ZBD @bsx` Lm Tmn`m) tmh bhn` tm`m iz v h vk mkt `b m` mnh

    `a em`b zmh i dh `m`b ZBD t l `m`b tm`m l`b `b e tk`b mkt

    `b msx `b v`. Al d l` t` th at | em em` `m`b tk`b t`b inh) l`b

    tl msx `b ln zm`b bhnk dlm mn m` | bt mh `mhs tm`m l`b m` `n `m |

    ~sn` ta `b al t lz t` l`b `m ` il ln l` f `m` vh` `b` m`b.

    TH IHS TMNA EMK

    Tvn`b 64

  • 8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM

    25/25

    Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka

    >. Bhk t`m @b` m`b tm`b ah[ ZB\. T\. @bsx` _` Th`

    6. Bhk t`m `bmhz v eh`m dkn`m `b` m`b [ Ml vh` `b` m`b

    :(4. Rcf|htc lm`m tml ln @MTALZ h 7 mttz7++rrr.dnhnfn`e.lka.v`+

    3. At | th ihs eml

    F@B E MHS _HT TT

    >. @MTA7 @b` m`b tm`b ah

    6. @MTALZ7 @b` m`b tm`b ah l zm`