1. N NGHIP V NGN HNG 1 i hc Cng ngh TP. HCM Khoa KT TC NH HOT
NG TN DNG TIU DNG TI NGN HNG AGRIBANK CHI NHNH K LK Nhm 7-
12DTDN06: 1. Phan Thanh Hng 1211190428 2. Nguyn Tn Hng 1211190432
3. Th Vng Trm 1211191069 4. Trn Th Nh Tuyt 1211191206 5. Trung Tn
1211191553
2. Kt cu ti: CHNG 1: KHI QUT V NHNN&PTNT CHI NHNH K LK CHNG
2: THC TRNG HOT NG TN DNG TIU DNG TI CHI NHNH NGN HNG CHNG 3: BI HC
KINH NGHIM i hc Cng ngh TP. HCM Khoa KT TC NH
3. i hc Cng ngh TP. HCM Khoa KT TC NH CHNG 1: KHI QUT V
NHNN&PTNT CHI NHNH K LK 1.1.Gii thiu khi qut v chi nhnh ngn hng
1.1.1.Lch s hnh thnh PGD i Tn thuc chi nhnh NHNN&PTNT k Lk hin
nay l PGD trc thuc s qun l ca NHNN&PTNT tnh k Lk. Ngy
20/10/2006 Tng gim c NHNN&PTNT Vit Nam ban hnh Quyt nh s
209/Q-NH n ngy 27/07/2009, Gim c NHNN&PTNT tnh k Lk ban hnh
Quyt nh s 847/TCCB
4. i hc Cng ngh TP. HCM Khoa KT TC NH 1.1.2.Thun li v kh khn
1.1.2.1.Thun li V tr thun li v v tr mt bng tr s i ng CBNV tr trung,
nng ng Ha nhp vo c ch th trng nh hng XHCN Hnh lang php l an ton cho
cng tc kinh doanh tin t
5. i hc Cng ngh TP. HCM Khoa KT TC NH 1.1.2.2.Kh khn Trc y, mt
s nhn vin ti PGD c tuyn dng vi trnh nghip v cn hn ch. Ngun vn trung
v di hn ca ngn hng huy ng khng p ng nhu cu ca khch hng. Ha nhp vi
xu th hi nhp kinh t quc t, gp nhiu thch thc v kh khn.
6. i hc Cng ngh TP. HCM Khoa KT TC NH 1.2.Chc nng v nhim v
1.2.1.Chc nng Trc tip kinh doanh a nng trn a bn tnh, thnh ph T chc
kim tra, kim sot theo y quyn ca gim c 1.2.2.Nhim v Huy ng vn Cho
vay Cung ng cc dch v thanh ton v ngn qu Kinh doanh cc dch v ngn hng
khc
7. i hc Cng ngh TP. HCM Khoa KT TC NH 1.3.S t chc Ch thch: Quan
h chc nng Quan h trc tuyn GIM C PH GIM C T TRNG TN DNG T K TON V
NGN QU T TN DNG T HNH CHNH
8. i hc Cng ngh TP. HCM Khoa KT TC NH CHNG 2: THC TRNG HOT NG
TN DNG TIU DNG TI CHI NHNH NGN HNG 2.1.C cu cho vay tiu dng ti chi
nhnh 2.2.nh gi hot ng cho vay tiu dng ti chi nhnh
9. 2.1.1.T trng cho vay tiu dng trong tng d n cho vay Bng 2.1:T
trng cho vay tiu dng trong tng d n cho vay n v tnh: Triu VN Ch tiu
2011 2012 2013 D n cho vay tiu dng 1.088.681 1.516.315 1.750.130
Tng d n cho vay 3.871.438 4.700.313 6.348.243 T trng(%) 28,12 32,26
27,57 Ngun: Bo co tn dng tiu dng PGD i Tn
10. 2.1.1.T trng cho vay tiu dng trong tng d n cho vay Biu 2.1:
D n cho vay tiu dng trn tng d n cho vay 2011 - 2013 0.000.000
1.000.000 2.000.000 3.000.000 4.000.000 5.000.000 6.000.000
7.000.000 2011 2012 2013 D n cho vay tiu dng Tng d n cho vay 0 Triu
ng Nm 1.088.681 3.871.438 1.516.315 4.700.313 1.750.130 6.348.243 T
trng(%) 28,12 32,26 27,57
11. 2.1.1.T trng cho vay tiu dng trong tng d n cho vay Bng
2.1:T trng cho vay tiu dng trong tng d n cho vay n v tnh: Triu VN
Ch tiu 2011 2012 2013 So snh (12/11) So snh(13/12) % % D n cho vay
tiu dng 1.088.681 1.516.315 1.750.130 427.634 39,28 233.816 15,42
Tng d n cho vay 3.871.438 4.700.313 6.348.243 828.875 21,41
1.647.930 35,06 T trng(%) 28,12 32,26 27,57 Ngun: Bo co tn dng tiu
dng PGD i Tn
12. 2.1.2.T trng d n cho vay tiu dng theo mc ch cho vay vn
67.35% 31.07% 1.58% 2011 66.41% 31.23% 2.36% 2012 65,12% 33,49%
1,39% 0 2013 Mua, xy, sa nh Mua t Khc 338.253 17.201 733.227
473.545 35.785 1.006.985 586.119 24.327 1.139.685 VT: Triu ng
13. 2.1.2.T trng d n cho vay tiu dng theo mc ch cho vay vn
67,35% 31,07% 1,58% 2011 66,41% 31,23% 2,36% 2012 65,12% 33,49%
1,39% 2013 Mua, xy, sa nh Mua t Khc
14. 2.1.3.T trng d n cho vay tiu dng theo thi gian Bng 2.3: C
cu d n cho vay tiu dng theo thi gian n v tnh: triu VND Thi hn 2012
2013 So snh D n TT(%) D n TT(%) % Ngn hn 1.012.140 66,75 1.175.737
67,18 163.597 16 Trung, di hn 504.175 33,25 574.393 32,82 70.218 14
Tng d n 1.516.315 1.750.130 (Ngun: Bo co tn dng ti PGD i Tn t
2012-2013)
15. 2.1.4.T trng thu li v li nhun cho vay tiu dng trn tng thu
li v li nhun t hot ng cho vay Bng 2.4: Thu li cho vay tiu dng trong
tng thu li tn dng chung n v: Triu VND Thi hn 2012 2013 So snh Thu
li TT(%) Thu li TT(%) % Thu li cho vay tiu dng 37.484 37,15 37.827
32,74 343 0,9 Thu li tn dng chung 100.897 115.550 14.653 14,52
(Ngun bo co thng nin 2012-2013)
16. i hc Cng ngh TP. HCM Khoa KT TC NH 2.1.5.T l n xu trn tng d
n cho vay tiu dng Nm 2013 t l n qu hn/tng d n chung ca ton h thng l
1,54% th ring trong cho vay tiu dng t l n qu hn l 1,15%.
17. 2.2.nh gi hot ng cho vay tiu dng ti chi nhnh Th nht, kin tr
mc tiu phn u tr thnh ngn hng bn l hng u Vit Nam D N 2012 tng 39,28%
2013 tng 15,42% LI NHUN 2012 l 37.484 triu ng 2013 l 37.827 triu
ng
18. 2.2.nh gi hot ng cho vay tiu dng ti chi nhnh Th hai, cho
vay tiu dng c s lng khch hng ln Tc tng trng cho vay tiu dng 2013 l
15,42%, khch giao dch khong 30.000 ngi Gin tip lm tng kh nng huy ng
vn v cc dch v khc L lc lng qung co tt nht cho PGD
19. 2.2.nh gi hot ng cho vay tiu dng ti chi nhnh Th ba, cht lng
tn dng ca cc khon cho vay tiu dng vn km. T l n xu cho vay tiu dng
vn mc cao: 1,15% CBTD kim tra d n nh k, c thc khch hng tr n ng
hn.
20. 2.2.nh gi hot ng cho vay tiu dng ti chi nhnh Th t, cc bin
php hn ch ri ro tn dng ca ngn hng cng t ra rt hiu qu. - Quy trnh tn
dng cht ch, r rng. - Thi gian thm nh tng i nhanh -H thng mang tnh
phn on - H thng mang tnh thng k: + Thn nhn lai lch + Ti chnh + Ti
sn m bo
21. CHNG 3: BI HC KINH NGHIM 3.1.Hn ch v nguyn nhn 3.1.1.Hn ch
Nhiu ngi cha c h khu k Lk. Mc cho vay tiu dng ca PGD cn thp. C cu
cho vay tiu dng b mt cn i. D n bnh qun cho vay tiu dng ca PGD cn
thp. Sn phm cho vay tiu dng ca PGD cn qu ngho nn Cho vay tiu dng ca
PGD cha c m rng ph hp vi u th ca mt ngn hng bn l truyn thng. Cht
lng tn dng ca cc khon cho vay tiu dng vn km.
22. 3.1.2.Nguyn nhn Xut pht t pha ngn hng T trng cho vay /gi tr
ti sn m bo cha linh hot. c im sn phm cho vay tiu dng cha hp l. Cha
c chnh sch khuyn khch hp l vi cn b cng nhn vin Cha c cc b phn h tr
tn dng. Cng ngh ngn hng cn yu km, h thng mng ni b t ra qu ti Vn iu
l ca PGD cn thp. Hot ng Marketting cha thc s pht huy hiu qu
23. 3.1.2.Nguyn nhn Nguyn nhn t mi trng v m: Mi trng php lut S
phi hp gia cc c quan Nh Nc v qun l ti nguyn mi trng vi cc TCTD khng
ng b. Tin cp giy chng nhn quyn s hu nh v s dng t trn a bn phn ln cc
tnh, thnh ph cn rt chm. H thng php lut cho hot ng cho vay tiu dng
cn thiu v cha ng b. Mi trng kinh t Mi trng vn ho- x hi
24. 3.2.Kin ngh
25. i hc Cng ngh TP. HCM Khoa KT TC NH 3.2.Kin ngh
