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TI :
''CHO VAY DU HC'' NGN HNG VPBANK
Xu hng du hc nc ngoi ti cc quc gia pht trin nh Anh, M, c,Canada
c khuynh hng ngy cng c a thch, c bit i vi nhng ngi tr n t cc nc ang
pht trin nh nc ta.I) GII THIUpht trin ngoi ngto ch lc quan tch
ccthay i phng php t duym mang kin thcNng cao k nng,kinh nghim sngL
bc cha m, bn mong mun con em mnh c mt nn tng o to tt. L th h tr, bn
c m c hc tp v th thch trong mi trng hin i, nng ng nc ngoi. ??? Tuy
nhin, vi mc thu nhp ca nhiu gia nh ti Vit Nam, th vic cho con i hc
ti cc nc c nn gio dc tin tin (du hc) c th kh khn,vt qu nng lc ti
chnh ca gia nh.=> Gii php cho vn ny chnh l vay ngn hng i du
hc
Vi mc tiu tr thnh Mt ngn hng bn l hng u khu vc pha bc v trong c
nc, VPBank sm cung cp sn phm " Cho vay du hc " (2014) . nhm mc ch h
tr cho cc c nhn v gia nh c nhu cu a ngi thn ra nc ngoi hc tp
1.Gii thiu Ngn Hng VPBankThnh lp nm 12/08/1993, Ngn hng TMCP Vit
Nam Thnh Vng (VPBank) l mt trong nhng Ngn hng TMCP hng u ti Vit Nam
vi hn 200 im giao dch trn ton quc.L thnh vin ca nhm 12 ngn hng hng
u Vit Nam (G12), .VPBank ang tng bc khng nh uy tn ca mt ngn hng nng
ng, c nng lc ti chnh n nh v c trch nhim vi cng ng
1.Gii thiu Ngn Hng VPBankNm199319941996.....201220132014Vn iu
l2070175......5.0505.7706.347
Bng 1.1: Vn iu l ca VPBank qua cc nmn v: T ng
2. Sn phm "Cho vay du hc" ca Ngn Hng VPBank Khi nim : Cho vay du
hc l mt hnh thc tn dng theo ngn hng cp cho khch hng hoc ngi thn ca
h i hc ti mt c s gio dc - o to ca mt quc gia khc mt khon tin theo
mt hnh thc thch hp du hc sinh c th hon thin h s du hc hoc tr cc chi
ph du hc vi iu kin ngi vay phi tr c gc v li ng thi hn
2. Sn phm "Cho vay du hoc" ca Ngn Hng VPBank Cc hnh thc cho vay
du hc 1 cho vay m s tit kim xc nhn nng lc ti chnh 2 cho vay tr chi
ph du hc
2. Sn phm "Cho vay du hoc" ca Ngn Hng VPBank c im sn phm 1Phc v
nhu cu ti chnh cho du hc sinh Thanh ton tin hc ph v cc chi ph khc
pht sinh trong qu trnh hc tp Chng minh kh nng ti chnh, b tc h s xin
phng vn du hc
2Hn mc cho vay Ph hp vi nhu cu vay vn v kh nng tr n ca khch hng
Tng s tin cho vay khng vt qu mc chi ph ca kha hc do nh trng hoc c s
o to nc ngoi thng bo Ti a bng 70% gi tr ti sn th chp do VPBank thm
nh hoc bng 95% gi tr ti sn cm c l giy t c gi hoc ti a 65% gi tr ti
sn cm c l t hoc ti sn khc c VPBank chp thun c im sn phm
c im sn phm 3
4 Loi tin vayThi hn vay Cn c vo thi gian du hc cng thm 1 nm nhng
tng thi gian vay ti a khng qu 10 nm VN, ngoi t
c im sn phm 6 Tr n gc hang thang, cui ky 5 m bo ca khon vay Ti
sn th chp l bp ng sn (nh, t ), ti sn cm c l giy t c gi hoc ti sn cm
c khc c VPBank chp thun m bo cho khon vayPhng thc tr n Tr n
liII.Tnh hnh cho vay du hc 2013-2014v cho vay du hc so vi cho vay
khch hng Bng 2.6. tinh hinh cho vay du hoc trong 2 nm 2013 - 2014n
v: T ngCh tiuNm 2013Nm 2014cho vay khch hang ca nhn22.95036.639cho
vay du hc103,75188,92cho vay du hc/cho vay khch hng0,45%0,51%T l
tng trng cho vay khch hng43,74 %46,75 %T l tng trng cho vay du
hc56,2 %82,1 %(Ngun bo co thng nin cc nm 2013 - 2014)II.Tnh hnh cho
vay du hc 2013-2014v cho vay du hc so vi cho vay khch hng Bng 2.7.
tinh hinh v doanh s cho vay trong 2 nm 2013 - 2014. n v: T ngCh
tiuNm 2013Nm 2014cho vay khch hang ca nhn24.84640.525cho vay du
hc360,58510,3cho vay du hc/cho vay khch hng1,45 %1,26 %Ty l tng
trng doanh s cho vay59,6 %63,1 %T l tng trng doanh s cho vay du
hc25,9 %41,52 %(Ngun bo co thng nin cc nm 2013 - 2014)III) Quy trnh
cho vay1.iu kin vay du hc
C h khu thng tr (KT3) ti a bn c n v kinh doanh ca VPBankC nng lc
php lut v nng lc hnh vi dn s y .C thu nhp n nh, bo m kh nng tr n
vayC ti sn bo mi vi du hc sinh: ang lm th tc hoc c giy t chp nhn vo
hc ca c quan gio dc nc ngoi2. H s vay du hcBn sao CMND,h khu KT3 ca
khch hng, Bn sao giy chng nhn kt hn/chng nhn c thn ca ngi vayBn sao
CMND,h khu/ h chiu ca du hc sinhGiy t chng minh quan h thn nhn gia
ngi vay v du hc sinh (giy khai sinh v h khu)Giy ngh vay vn + phng n
tr n ( theo mu VPBank cung cp )Giy t chng minh chi ph du hc c c s o
to nc ngoi thng bo123452. H s vay du hcGiy chng minh kh nng ti chnh
v ngun ti tGiy t chng minh quyn s hu hp php i vi ti sn bo m.... V
cc giy t lin quan khc.678
Khch hng
Ngn hng tip nhn, kim tra h s vay
Nhu cu vay
Thm nh cho vay
Xt duyt v ra quyt nh cho vay
Hon thin h s v gii ngn (nu c)
Gim st sau khi cho vay v thu hi n, li
Hon tt kh c v lu h s
Bc 1
Bc 2
Bc 3
Bc 4
Bc 5
Bc 6
H s
3. Quy trnh cho vay du hc
7/3/2015III) u im v nhc im 1. u im ca sn phm cho vay du hc i vi
ngn hng
Gip ngn hng gia tng li nhun12Gp phn thc hin ch trng a dng ho cc
sn phm ca ngn hng3To mi quan h tt p gia ngn hng hng khch hng4Gp phn
qung b v ngn hng7/3/20151. u im ca sn phm cho vay du hc i vi khch
hngGp phn gii quyt kh khn v ti chnh12To ra p lc hc tp cho du hc
sinh3Gip du hc sinh thnh cng trong cuc sng
2. Nhc im ca sn phm cho vay du hci tng khch hng c vay du hc ti
VPBank vn hn chThi gian lm th tc vay tin luThi hn vay cha ph hp vi
nhu cu khch hngDanh mc ti sn m bo cha a dngLi sut cho vay khng hp
dn.Chng loi cc dch v h tr du hc cn t123456Cha thit lp c quan h vi
cc trng i hc nc ngoi v t chc t vn du hc trong nc cng nh ngoi
nc7III) Gii php v kin ngh 1.Gii php cho hot ng cho vay du hc ti
VPBank Hon thin chnh sch cho vay du hc
M thm cc dch v h tr du hc khcM rng quan h vi cc trng i hc nc
ngoi v cc trung tm t vn du hc Vit NamM quan h vi cc n v s dng lao
ngNng cao hiu qu hot ng marketing ca ngn hng
7/3/20152.Kin ngh Kin ngh i vi Chnh ph, C quan nh nc v cc B,
ngnhKin ngh 1: Chnh ph cn thc hin cc bin php qun l v m nhm m bo tnh
n nh ca nn kinh tKin ngh 2: Hon thin mi trng php lKin ngh 3: Cn y
nhanh tin cp s v cng khai v cc d n quy hoch t ai.Kin ngh 4: Cn c
nhiu chnh sch khuyn khch, to iu kin cho hc sinh, sinh vin i du hc
nc ngoi.Kin ngh 5: Cn c bin php qun l hot ng ca cc trung tm, t chc
t vn du hc trong nc7/3/2015 Kin ngh i vi Ngn hng nh ncKin ngh 1:
Ngn hng Nh nc cn sm thng qua v trin khai php lnh ngoi hiKin ngh 2:
Ngn hng nh nc nn i x cng bng hn i vi cc NHTMCPKin ngh 3: Cn tng cng
cng tc qun l, thanh tra, gim st hot ng tn dng ca NHTMKin ngh 4:
NHNN cn thnh lp v pht trin h thng thng tin lin ngn hngKin ngh 5:
NHNN cn c nhng k hoch chng trnh nng cao trnh cho cn b ngn hng
