Giải pháp nâng cao chất lượng tín dụng ngân hàng tại Phòng giao dịch Ngân hàng Á Châu – Tôn Đức Thắng – Hà Nội

8/2/2019 Gii php nng cao cht lng tn dng ngn hng ti Phng giao dch Ngn hng Chu Tn c Thng H Ni

1/40

Email: [email protected]

MC LC

DANH MC CC T VIT TT .........................................................................2

DANH MC CC BNG BIU .............................................................................2

LI M U ...........................................................................................................3

Phn 1: C S L LUN V TN DNG NGN HNG V CHT LNGTN DNG NGN HNG ......................................................................................4

TNG QUAN V TN DNG NGN HNG ......................................................... 4Khi nim v c trng tn dng ngn hng ........................................................................4Phn loi tn dng ngn hng ..............................................................................................5Vai tr ca tn dng ngn hng: ...........................................................................................8

CHT LNG TN DNG NGN HNG ............................................................ 9Khi nim cht lng tn dng ngn hng: .........................................................................9Cc ch tiu nh tnh nh gi cht lng tn dng ngn hng: .........................................9Cc ch tiu nh lng nh gi cht lng tn dng ngn hng ....................................10

Cc nhn t nh hng n cht lng tn dng ngn hng: ................................... 14Nhn t t pha ngn hng: ................................................................................................ 14Nhn t t pha khch hng ............................................................................................... 16Nhn t t mi trng kinh doanh ....................................................................................17

Phn 2: THC TRNG CHT LNG TN DNG NGN HNG TIPHNG GIAO DCH NGN HNG CHU TN C THNG HNI .......................................................................................................................... 19

KHI QUT V HOT NG KINH DOANH .................................................. 19Gii thiu v ni thc tp .................................................................................................. 19Hot ng huy ng vn ...................................................................................................21Hot ng tn dng ............................................................................................................ 22Cc hot ng dch v v cc hot ng khc ...................................................................24

THC TRNG TN DNG TRONG THI GIAN VA QUA ............................26Quy trnh nghip v tn dng ............................................................................................. 26Cc ch tiu dng trong thm nh tn dng ......................................................................26

NH GI THC TRNG V NGUYN NHN .............................................. 27Kt qu t c ...............................................................................................................27Nhng tn ti: .................................................................................................................... 28

Sinh vin th c hi n: L Th Minh H nh L p: Anh 5 Ti chnh 2 K47

M sinh vin: 0853030049 1


2/40


Nguyn nhn: ..................................................................................................................... 29

Chng III: GII PHP NNG CAO CHT LNG TN DNG NGNHNG TI PHNG GIAO DCH NGN HNG CHU TN CTHNG H NI .................................................................................................32

S CN THIT PHI NNG CAO CHT LNG TN DNG .......................32Mi trng kinh doanh v p lc cnh tranh ngy cng gay gt .......................................32nh hng v mc tiu kinh doanh ca ngn hng ........................................................32Cht lng tn dng ngy cng tr nn quan trng i vi ngn hng .............................33

GII PHP NNG CAO CHT LNG TN DNG NGN HNG ................33Gii php t pha ngn hng .............................................................................................. 33Gii php v m .................................................................................................................37

XUT PHN HI T C QUAN THC TP ........................................... 38

DANH MC TI LIU THAM KHO .............................................................. 39

DANH MC CC T VIT TT

ACB : Ngn hng thng mi c phn Chu

PGD : Phng giao dchTT : Tng trng

KHCN : Khch hng c nhn

KHDN : Khch hng doanh nghip

BCTC : Bo co ti chnh

DANH MC CC BNG BIU

Bng 1: Mt s ch tiu hot ng ca phng Giao Dch Tn c Thng Ngn hng ACB H Ni t thng 5/2008 n thng 6/2010 ............................ 20


M sinh vin: 0853030049 2


3/40


Bng 2: S liu tng hp v hot ng huy ng vn ca phng giao dch trongthi gian qua (2008 thng 5/2011) ......................................................................21

Bng 3: S liu tng hp v hot ng cho vay ca phng giao dch trong thigian qua (2008 thng 5/2011) ..............................................................................22

Bng 4: S liu tng hp v hot ng cho vay theo k hn (2008 2010) .......23

Bng 5: N tt so vi tng d n ..........................................................................24

Bng 6: S liu tng hp v hot ng dch v ca PGD trong thi gian qua(2008 2010) ...........................................................................................................25

Bng 7: S liu tng hp v li nhun t cho vay ca PGD t 2008 2010 .....27

LI M U

L lun cng nh thc tin pht trin kinh t Th gii cho thy hot ng tn dngng vai tr quan trng trong vic lun chuyn ngun vn t ni tha sang ni thiu vn

ca nn kinh t ni chung v l hot ng xng sng ca ngn hng ni ring. Hot ngtn dng gip bi trn nn kinh t n c th vn hnh hiu qu thc y s pht trinca mi quc gia v ca c Th gii.

Trong xu hng ton cu ha mnh m, Vit Nam ngy cng hi nhp vi nn kinh tkhu vc v Th gii. c bit s kin Vit Nam gia nhp t chc Thng mi Th gii(WTO) vo thng 11/2006 nh du bc ngot pht trin ca kinh t Vit Nam. Ccngn hng Vit Nam ni chung v Ngn hng Chu ni ring ang ng trc thch thci mt vi cuc cnh tranh khc lit v c th phn huy ng vn, cung cp tn dng v

cc dch v trong nn kinh t. m bo cung cp nhng khon tn dng c hiu qu, anton m vn sinh li, ngn hng cn thc hin cng tc thm nh tn dng tt, bi c nhvy, ngn hng mi trnh c cc ri ro gy ra bi nhng khon cho vay khng t tiuchun.

Trong mt thi gian ngn thc tp ti Phng giao dch ACB Tn c Thng HNi, em nhn thy vn cn mt s vng mc tn ti trong hot ng tn dng ngn hng.


M sinh vin: 0853030049 3


4/40


T , em chn ti Gii php nng cao cht lng tn dng ngn hng tiPhng giao dch Ngn hng Chu Tn c Thng H Ni

Bng phng php Thu thp thng tin, tng hp v phn tch s liu, em honthnh bi Bo co vi ni dung gm 3 phn chnh:

Phn 1: C s l lun v tn dng ngn hng v cht lng tn dng ngn hng

Phn 2: Thc trng cht lng tn dng ti Phng giao dch Ngn hng Chu Tnc Thng H Ni

Phn 3: Gii php nng cao cht lng tn dng ngn hng ti Phng giao dch Ngnhng Chu Tn c Thng H ni

Phn 1: C S L LUN V TN DNG NGN HNG V CHTLNG TN DNG NGN HNG

TNG QUAN V TN DNG NGN HNG

Khi nim v c trng tn dng ngn hng1.1.1. Khi nim:

Tn dng ngn hng l vic ngn hng tha thun khch hng s dng mt tisn (bng tin, ti sn thc hay uy tn) vi nguyn tc c hon tr bng cc nghip v chovay, chit khu (ti chit khu), cho thu ti chnh, bo lnh ngn hng v cc nghip vkhc.

1.1.2. c trng:

- Tn dng ngn hng da trn c s lng tin. Ngn hng cp tn dng khi c lng tin vovic khch hng s dng vn vay ng mc ch, hiu qu v c kh nng hon tr n

vay (gc, li) ng hn.- Tn dng ngn hng l s chuyn nhng mt ti sn c thi hn. Ngn hng l trunggian ti chnh i vay cho vay, nn mi khon tn dng ca ngn hng u phi cthi hn, m bo cho ngn hng hon tr vn huy ng.

- Tn dng phi da trn nguyn tc hon tr c gc v li. Nu khng c s hon tr thkhng c coi l tn dng. gi tr hon tr phi ln hn gi tr lc cho vay (gi tr gc),


M sinh vin: 0853030049 4


5/40


ngha l ngoi vic hon tr gi tr gc, khch hng phi tr cho ngn hng mt khon lic gi tr dng b p chi ph hot ng v mang li li nhun cho ngn hng.

- Tn dng l hot ng sinh li nhng cng tim n ri ro cao cho ngn hng. Khi khchhng gp kh khn khng th tr c n ng hn hoc tr ht n, ngn hng s gpphi ri ro tn dng.

- Tn dng phi da trn cam kt hon tr vn v iu kin, bn i vay phi cam kt hontr v iu kin khon vay cho ngn hng khi n hn.

Nh vy, tn dng phi m bo c hai nguyn tc c bn l vn vay phi c sdng ng mc ch, v phi c hon tr c gc v li ng thi hn cam kt tronghp ng.

Phn loi tn dng ngn hng1.1.3. Cn c vo thi hn tn dng:

1.1.3.1. Tn dng ngn hn:

L loi tn dng c thi hn n 1 nm v c s dng b p thiuht vn lu ng tm thi ca cc doanh nghip, phc v nhu cu tiu dng c nhn v hgia nh.

1.1.3.2. Tn dng trung hn:

L loi tn dng c thi hn t 1 nm n 5 nm v s dng ch yu u t mua sm ti sn c nh, ci tin v i mi trang thit b, m rng sn xut v xydng cng trnh va v nh c thi hn thu hi vn nhanh.

1.1.3.3. Tn dng di hn:

L loi tn dng c thi hn trn 5 nm, p ng nhu cu u t di hnnh: xy dng c bn, xy dng c s h tng, ci tin v m rng sn xut c quy m ln.

1.1.4. Cn c vo bo m tn dng:1.1.4.1. Tn dng c m bo:

L tn dng c ti sn cm c, th chp hoc c bo lnh ca ngi thba; p dng cho nhng khch hng khng uy tn, khi vay vn phi c ti sn m bohoc phi c ngi bo lnh.


M sinh vin: 0853030049 5


6/40


1.1.4.2. Tn dng khng c m bo:

L tn dng khng c ti sn cm c, th chp hay khng c bo lnhca ngi th ba; p dng cho nhng khch hng mi, c h s tn nhim khng cao.

1.1.5. Cn c mc ch tn dng:1.1.5.1. Tn dng bt ng sn:

L cc khon tn dng u t vo bt ng sn, bao gm:

- Tn dng ngn hn cho xy dng v m rng t ai.- Tn dng di hn mua t ai, nh ca, cn h, c s dch v, trangtri v bt ng sn nc ngoi.

1.1.5.2. Tn dng cng thng nghip:

L cc khon tn dng cp cho cc doanh nghip trang tri cc chiph nh mua hng ha, nguyn vt liu, tr thu, v chi tr lng.

1.1.5.3. Tn dng nng nghip:

L cc khon tn dng cp cho cc hot ng nng nghip, nhm trgip cc hot ng trng trt, thu hoch ma mng v chn nui gia sc.

1.1.5.4. Tn dng tiu dng:

L khon tn dng cp cho cc nhn, h gia nh mua sm hng hatiu dng t tin nh xe hi, trang thit b trong nh,

1.1.6. Cn c vo ch th vay vn:1.1.6.1. Tn dng doanh nghip (tn dng bn bun):

L nhng khon vay ca doanh nghip c gi tr ln.

1.1.6.2. Tn dng c nhn, h gia nh (tn dng bn l):

L nhng khon vay ca c nhn vi gi tr nh nhm mc ch tiudng.

1.1.6.3. Tn dng cho cc t chc ti chnh:


M sinh vin: 0853030049 6


7/40


L cc khon tn dng cp cho cc ngn hng, cng ty bo him, cng tyti chnh v cc t chc ti chnh khc.

1.1.7. Cn c vo phng thc hon tr n vay:1.1.7.1. Tn dng tr gp:

L loi tn dng m khch hng phi hon tr vn gc v li vay nh kthnh nhng khon bng nhau; p dng cho nhng khon vay ln v di hn.

1.1.7.2. Tn dng hon tr mt ln:

L loi tn dng m khch hng ch hon tr vn gc v li vay mt lnkhi n hn; p dng cho nhng khon vay nh v ngn hn.

1.1.7.3. Tn dng hon tr theo yu cu:

L loi tn dng m khch hng c th hon tr n vay bt c khi no;p dng cho nhng khon vay thu chi, th tn dng.

1.1.8. Cn c vo hnh thi gi tr ca tn dng:1.1.8.1. Tn dng bng tin:

L tn dng c hnh thi gi tr bng tin, cn gi l cho vay.

1.1.8.2. Tn dng bng ti sn: L tn dng c hnh thi gi tr bng tisn chnh l hnh thc cho thu ti chnh.1.1.8.3. Tn dng bng uy tn: L tn dng c hnh thi gi tr bng uytn cn gi l bo lnh ngn hng.

1.1.9. Cn c vo xut x tn dng:1.1.9.1. Tn dng trc tip:

L hnh thc tn dng m ngn hng cp vn trc tip cho khch hngc nhu cu vay vn, ng thi khch hng hon tr n vay trc tip cho ngn hng.

1.1.9.2. Tn dng gin tip:

L hnh thc cp tn dng thng qua trung gian nh: tn dng y thc,tn dng thng qua t chc on th.

1.1.10.Tn dng khc: L cc khon tn dng cha c phn loi.


M sinh vin: 0853030049 7


8/40


Vai tr ca tn dng ngn hng:1.1.11. i vi nn kinh t:

- Vai tr c bn ca tn dng ngn hng l lun chuyn vn t ch th thng d vn sangch th thiu ht vn trong nn kinh t..

- Tn dng ngn hng cn gip phn b hiu qu cc ngun lc ti chnh trong nn kinh tgip tng trng, to cng n vic lm v nng sut lao ng cao.

- Thng qua vic u t vn tn dng v nhng ngnh ngh, khu vc kinh t trng im sthc y s pht trin ca cc ngnh ngh , hnh thnh nn c cu hin i, hp l vhiu qu.

- Tn dng ngn hng gp phn lu thng tin t, hng ha, iu tit th trng, kim sotgi tr ng tin v thc y qu trnh m rng giao lu kinh t gia cc nc.

- Tn dng ngn hng mang li ngun thu ln cho ngn sch Nh nc.- Tn dng ngn hng l knh truyn ti vn ti tr ca nh nc n nng nghip, nng

thn, gp phn xa i gim ngho, n nh chnh tr, x hi.

1.1.12. i vi khch hng:

- Tn dng ngn hng p ng c nhu cu v s lng v cht lng vn cho khchhng.

- Tn dng ngn hng gip nh u t nm bt c c hi kinh doanh, doanh nghip cvn m rng sn xut, c nhn c kh nng ti chnh trang tri cho cuc sng.

- Tn dng ngn hng rng buc trch nhim khch hng phi hon tr vn gc v litrong thi hn nht nh nh tha thun.

1.1.13. i vi ngn hng:

- Tn dng l hot ng truyn thng, chim t trng ln nht trong tng ti sn c vmang li ngun thu nhp ch yu cho ngn hng (t 70 n 90%).

- Thng qua hot ng tn dng m ngn hng a dng ha c danh mc ti sn c,gim thiu ri ro.

- Thng qua hot ng tn dng, ngn hng m rng c cc loi hnh dch v khc, nhthanh ton, thu ht tin gi, kinh doanh ngoi t, t vn


M sinh vin: 0853030049 8


9/40


CHT LNG TN DNG NGN HNGKhi nim cht lng tn dng ngn hng:

Cht lng tn dng ngn hng l phm tr phn nh mc ri ro v sinh li trongbng tng hp cho vay ca mt t chc tn dng.

Cc ch tiu nh tnh nh gi cht lng tn dng ngn hng:

Trong qu trnh phn tch tn dng, cc ch tiu nh tnh l nhng ch tiu c bngip cn b tn dng c c ci nhn tng qut v khch hng xin vay. Cc ch tiu l:

II.1.1. tn nhim ca ngi xin vay:

Cc tiu ch chi tit thng c s dng xem xt ngi vay c thin ch trn khi khon vay n hn hay khng l 6C bao gm: t cch (Character), nng lc

(Capacity), thu nhp (Cash), bo m (Collateral), iu kin (Conditions), v kim sot(Control). Tt c cc tiu ch ny phi c nh gi tt th khon vay mi c xem lkh thi.

II.1.2. Hp ng tn dng phi c k kt ng n v hp l:

Vic cho vay ca ngn hng v khch hng phi c lp thnh hp ng tndng. Hp ng tn dng phi c ni dung v iu kin vay, mc ch s dng vn vay,phng thc cho vay, s vn vay, li sut, thi hn cho vay, hnh thc m bo, gi tr ti

sn m bo, phng thc tr n v nhng cam kt khc c cc bn tha thun.

II.1.3. Ti sn m bo:

Vic ngn hng nhn m bo tn dng s gip ngn hng c ngun thu hi nkhi ngi vay khng th tr n theo quy nh, ng thi to tm l buc ngi t cc(ngi vay) phi c trch nhim nhiu hn trong vic hon tr n vay khi gn nhngti sn gi tr ca mnh.

Bin php m bo tn dng bng ti sn bao gm: cm c, th chp bng ti

sn ca khch hng vay; Bo lnh bng ti sn ca bn th ba; Bo m bng ti sn hnhthnh t vn vay.

Trong trng hp cho vay khng c bo m bng ti sn, t chc tn dngch ng la chn khch hng vay khng c m bo bng ti sn (cho vay tn chp); tchc tn dng nh nc c cho vay khng c bo m theo ch nh ca Chnh ph; T


M sinh vin: 0853030049 9


10/40


chc tn dng c nhn, h gia nh ngho vay c bo lnh tn chp ca t chc on thchnh tr - x hi.

Cc ch tiu nh lng nh gi cht lng tn dng ngn hng

nh gi chnh xc cht lng ca cc khon vay, bn cnh cc ch tiu nhtnh, ngn hng cn phi s dng cc ch tiu nh lng. Cn b tn dng s phn tch nhlng da trn cc ch tiu ti chnh v cc m hnh hin i.

II.1.4. Cc ch tiu ti chnh:II.1.4.1. Cc ch tiu tr n ngn hn:

H s thanh ton hin hnh (current ratio):

H s thanh ton hin hnh =

T l ny cng ln cng tt, cho thy kh nng p ng kp thi cc nhu cu chi trca doanh nghip. T l ny bng 1 c coi l ti u.

H s thanh ton nhanh (quick ratio):

H s thanh ton nhanh =

T l ny phn nh kh nng thanh ton nhanh ca doanh nghip.

Ch tiu vn lu ng rng (net working capital):

Vn lu ng rng = Ti sn lu ng N ngn hn

Vn lu ng rng chnh l phn ti sn lu ng c ti tr bng ngun vn ctnh cht trung v di hn.


M sinh vin: 0853030049 10

Ti sn lu ng

N ngn hn

Tin v chng khon ngn hn

N ngn hn


11/40


II.1.4.2. Cc ch tiu tr n di hn:

Cc ch tiu ny c s dng nh gi kh nng thc hin cc nghav ti chnh di hn ca doanh nghip. Ngoi ra, chng cn phn nh mc s dng cckhon n ti tr cho u t ca doanh nghip so vi mc s dng vn ch s hu.Cc ch tiu ny cng cao th xc sut mt kh nng tr n ca doanh nghip cng ln.

H s n =

H s n trn vn CSH =

Tha s vn CSH =

H s n di hn =

Li nhun trc thu v li vay =

H s EBIT =

II.1.4.3. Cc ch tiu hiu qu:


M sinh vin: 0853030049 11

Tng ti sn Vn ch s hu

Tng ti sn

Tng n

Vn ch s huTng ti sn

Vn ch s hu

N di hn

N di hn + Vn ch s hu

Li nhun trc thu v li vay

Li vay

EBIT + Khu hao

Li vay


12/40


Cc ch tiu ny c s dng nh gi xem cc ti sn ca doanhnghip c qun l hiu qu nh th no. Cc ch tiu ny cng cao chng t hiu qucng ln.

Vng quay tng ti sn =

Vng quay cc khon phi thu =

K thu n bnh qun =

Vng lun chuyn hng ha =

K tn kho bnh qun =

II.1.4.4. Cc ch tiu sinh li:

y l mt trong nhng tiu ch kh xc nh nht i vi cn b tn

dng. Bi mc sinh li c xc nh trn c s k ton b qua ri ro, ng thi khng cchun mc no so snh. Mt doanh nghip c xem l c kh nng sinh li khi mcsinh li ca n cao hn mc m cc nh u t c th t mnh kim c trn th trng tichnh.


M sinh vin: 0853030049 12

Tng ti sn

Tng doanh thu

Cc khon phi thu

S ngy trong mt nm (360)S vng quay cc khon phi thu

Gi hng bn theo gi vn

Gi tr hng tn kho bnh qun

S ngy trong mt nm (360)

Vng quay hng tn kho

Li rng

Tng doanh thu


13/40


H s li rng =

H s li gp =

T sut sinh li ca ti sn (ROA) =

T sut sinh li trn vn CSH (ROE) =

II.1.4.5. Cc ch tiu th gi doanh nghip:

PER =

(P/E)

Thu nhp c tc =

Gi tr th trng c phn so vi gi tr s sch =


M sinh vin: 0853030049 13

Doanh thu

EBIT

Doanh thu

Li rng

Tng ti sn

Li rng

Vn ch s hu

Gi mi c phn

Li nhun trn mi c phn thng

C tc mi c phn

Gi tr th trng c phn

Gi tr th trng mi cphn

Gi tr s sch mi c phn


14/40


II.1.5. Cc m hnh hin i:II.1.5.1. M hnh im s tn dng tiu dng:

Ngy nay, nhiu ngn hng s dng phng php cho im x l ccn xin vay ca ngi tiu dng. M hnh im tn dng thng s dng t 7 n 12 hngmc, mi hng mc c cho im t 1 n 10.

II.1.5.2. M hnh cu trc k hn ri ro tn dng:

y l phng php da trn cc yu t th trng nh gi ri ro tndng v phn tch mc thng chp nhn ri ro gn lin vi mc sinh li ca khong tndng i vi ngi vay c cng mc ri ro.

Cc nhn t nh hng n cht lng tn dng ngn hng:Nhn t t pha ngn hng:

Bn thn mi ngn hng lun c mt nh hng, chin lc ring v hot ng vpht trin cho ring mnh. chnh l nhng nhn t ni ti t pha ngn hng lin quann hot ng tn dng nh: chnh sch, cng tc t chc, trnh lao ng, quy trnhnghip v, kim tra, kim sot v trang thit b.

II.1.6. Chnh sch tn dng:

L ng li, ch trng m bo cho hot ng tn dng i ng qu o linquan n vic m rng hay thu hp tn dng. Mt chnh sch tn dng ng n ph hp sthu ht c nhiu khch hng v m bo li nhun cho ngn hng.

II.1.7. Cng tc t chc ca ngn hng:

Mt ngn hng c c cu t chc khoa hc s m bo c s phi hp chtch, nhp nhng gia cc cn b, nhn vin, cc phng ban trong ngn hng, gia cc ngnhng vi nhau trong ton b h thng cng nh vi cc c quan khc lin quan m bo

cho ngn hng hot ng nhp nhng, thng nht c hiu qu, qua s to iu kin png kp thi yu cu khch hng, theo di qun l cht ch, st sao cc khon vn huy ngcng nh cc khon cho vay, t nng cao hiu qu tn dng.

II.1.8. Cht lng, i ng nhn vin ngn hng:


M sinh vin: 0853030049 14


15/40


i ng nhn vin ngn hng c chuyn mn gii, c o c, c nng lc sl tin ngn hng tn ti v pht trin. c bit l i ng cn b tn dng nhngngi trc tip chu trch nhim thm nh d n, nh gi ti sn th chp, gim st nghav tr n ca khch hng v gii quyt cc vn pht sinh trong quan h tn dng cangn hng gip trnh hoc gim nh ri ro c th xy ra khi thc hin mt khon tn dng.

II.1.9. Quy trnh tn dng:

y l nhng trnh t, nhng giai on, nhng bc, cng vic cn phi thchin theo mt th tc nht nh trong vic cho vay, thu n, bt u t vic xt n xin vayca khch hng n khi thu n nhm m bo an ton vn tn dng. Cht lng tn dngtu thuc vo vic lp ra mt quy trnh tn dng m bo tnh logic khoa hc v vic thchin tt cc bc trong quy trnh tn dng cng nh s phi hp cht ch nhp nhng giacc bc. Quy trnh tn dng gm 3 giai on chnh:

- Xt ngh vay ca khch hng v thc hin cho vay. Trong giai on ny chtlng tn dng ph thuc nhiu vo cng tc thm nh khch hng v vic chp hnhcc quy nh v iu kin, th tc cho vay ca ngn hng.- Kim tra, gim st qu trnh s dng vn vay v theo di ri ro. Vic thit lp hthng kim tra hu hiu, p dng c hiu qu cc hnh thc, bin php kim tra s gpphn nng cao cht lng tn dng.- Thu n v thanh l: s linh hot ca ngn hng trong khu thu n s gip ngn hnggim thiu c nhng ri ro, hn ch nhng khon n qu hn, bo ton vn, nngcao cht lng tn dng.

II.1.10. Kh nng thu thp v x l thng tin :

Thng tin l yu t sng cn i vi mi doanh nghip trong kinh t thtrng cnh tranh gay gt. Trong cnh tranh ai nm c thng tin trc l ngi c khnng dnh chin thng ln hn, vi ngn hng thng tin tn dng ht sc cn thit l c s xem xt, quyt nh cho vay hay khng cho vay v theo di, qun l khon cho vay vimc ch m bo an ton v hiu qu i vi khon vn cho vay. Thng tin tn dng cth c thu c t nhiu ngun khc nhau nh mua thng tin t cc ngun cung cp

thng tin, n c s ca khch hng trc tip xem xt, thng tin t h s xin vay vn.Thng tin cng y , chnh xc v kp thi, ton din th kh nng ngn nga ri ro cngln, cht lng tn dng cng cao.

II.1.11. Kim sot ni b:


M sinh vin: 0853030049 15


16/40


Thng qua kim sot gip lnh o ngn hng nm c tnh hnh hot ngkinh doanh ang din ra, nhng thun li, kh khn vic chp hnh nhng quy nh phplut, ni quy, quy ch, chnh sch kinh doanh , th tc tn dng t gip lnh o ngnhng c ng li, ch trng, chnh sch ph hp gii quyt nhng kh khn vng mc,pht huy nhng nhn t thun li, nng cao hiu qu kinh doanh. Cht lng tn dng ph

thuc vo vic chp hnh nhng quy nh, th l, chnh sch v mc kp thi pht hinsai st cng nh nguyn nhn dn n sai st lch lc trong qu trnh thc hin mt khontn dng.

II.1.12. Trang thit b phc v cho hot ng tn dng:

Trang thit b tuy khng phi l yu t c bn nhng gp phn khng nhtrong vic nng cao cht lng tn dng ca ngn hng. N l cng c, phng tin thchin t chc, qun l ngn hng kim sot ni b, kim tra qu trnh s dng vn vay, thchin cc nghip v giao dch vi khch hng. c bit, vi s pht trin nh v bo vcng ngh thng tin hin nay cc trang thit b tin hc gip cho ngn hng c cthng tin v x l thng tin nhanh chng, kp thi, chnh xc, trn c s c quyt nhtn dng ng n, khng b l thi c trong kinh doanh gip cho qu trnh qun l tinvay v thanh ton c thun tin nhanh chng v chnh xc.

Nhn t t pha khch hng

m bo khon tn dng x dng c hiu qu, mang li li ch cho ngn hnggp phn vo s tng trng v pht trin kinh t x hi th khch hng c vai tr ht sc

quan trng. Mt khch hng c t cch o c tt, c tnh hnh ti chnh vng vng, cthu nhp s sn sng hon tr y nhng khon vn vay ca Ngn hng khi n hn, qua m bo an ton v nng cao cht lng v tn dng. Nhng nhn t ny bao gm:

II.1.13. Trnh kh nng ca cn b i ng cn b lnh o ca doanhnghip:

i ng cn b c trnh chuyn mn , o c tt s c kh nng a rachin lc kinh doanh, cnh tranh ph hp gip doanh nghip ng vng v pht trin

.Doanh nghip lm n tt l iu kin h b p chi ph kinh doanh v v tr n ngnhng c gc v li ng hn, qua gim ri ro v nng cao cht lng tn dng.

II.1.14. Chin lc kinh doanh ca doanh nghip:

Trn c s nhn nh mt cch khch quan, chnh xc kh nng pht trin snxut ca doanh nghip, th hiu ca ngi tiu dng vi sn phm ca doanh nghip mnh


M sinh vin: 0853030049 16


17/40


cng vi nhng yu t thun li, kh khn ca mi trng, doanh nghip s quyt nh khoch chin lc m rng thu hp hay n nh sn xut, t xy dng cc k hoch cth v sn xut, thiu th. Vic xy dng cc k hoch kinh doanh ng n quyt nh nd thnh cng hay tht bi ca ca mt doanh nghip.

II.1.15. T chc hot ng sn xut kinh doanh, t chc cng tc tiu th snphm ca doanh nghip:

Hin nay, cc doanh nghip khng ch kinh doanh b hp trong mt phm vinh, s lng mt hng t m h thng kinh doanh a dng cc mt hng, m rng mngli tiu th ra nhiu khu vc lnh th, t cc tnh thnh ph trong nc ra cc nc trongkhu vc v th gii. S hnh thnh mng li hot ng phc tp nh th i hi cc doanhnghip phi c s t chc sn xut v tiu th hp l . T chc tt vic sn xut v tiu thsn phm l yu t gip qu trnh ti sn xut din ra c thng sut, nhanh chng, tngkh nng quay vng vn, tit kim chi ph v tng li nhun cho doanh nghip. Hiu quhot ng ca doanh nghip l s m bo cho ngn hng nng cao cht lng tn dng .

II.1.16. Vn kh nng ti chnh ca doanh nghip:

C nhiu nhm ch tiu khc nhau biu hin tnh hnh ti chnh, kh nng clp ti chnh ca doanh nghip nh nhm ch tiu v kh nng thanh ton, nhm ch tiuhot ng, nhm ch tiu c cu vn, nhm ch tiu v li nhun. Ngoi ra khi xem xt vtnh hnh ti chnh ngn hng cn quan tm n lung tin vo, lung tin ra, d tr ngnqu...vv. Kh nng ti chnh tt l iu kin doanh nghip c th m rng sn xut kinh

doanh, u t mua sm thit b tin tin, sn xut sn phm c cht lng cao, chim lnhth trng v em la li nhun ln, hot ng tt l iu kin doanh nghip tr n chongn hng .

II.1.17. T cch, o c ca ngi vay:

T cch o c xt trn phng din mun hon tr khon n vay, trongnhiu trng hp ngi vay c mun chim ot vn, khng hon tr n vay mc d ckh nng tr n, iu ny gy ra nhng ri ro khng nh cho ngn hng.

Nhn t t mi trng kinh doanh

Khi nn kinh t n nh s to iu kin thun li cho tn dng ngn hng pht trin.Nn kinh t n nh, lm pht thp khng c khng hong, hot ng sn xut kinh doanhca doanh nghip tin hnh tt c hiu qu mang li li nhun cao, doanh nghip hon trc vn vay ngn hng c gc v li, nn hot ng tn dng ca ngn hng pht trin,


M sinh vin: 0853030049 17


18/40


cht lng tn dng c nng cao. Ngc li trong thi k suy thoi kinh t, sn xut kinhdoanh b thu hp, u t, tiu dng gim st, lm pht cao, nhu cu tn dng gim, vn tndng thc hin cng kh c th s dng c hiu qu hoc tr n ng hn cho ngnhng. Hot ng tn dng ngn hng gim st v quy m v cht lng.

Mc ph hp gia li sut ngn hng vi mc li nhun ca doanh nghip snxut kinh doanh v dch v trong nn kinh t quc dn cng nh hng n cht lng tndng, li tc ca ngn hng thu c b gii hn bi l nhun ca doanh nghip s dngvn vay ngn hng, nn vi mc li sut cao cc doanh nghip vay vn ngn hng khngc kh nng tr n nh hng ti sn xut kinh doanh ca doanh nghip ni ring v titon b nn kinh t ni chung. Hot ng tn dng ngn hng lc ny khng cn l n by thc y sn xut kinh doanh pht trin v cht lng tn dng cng gim st.

Ngoi ra nhng s bin ng v li sut th trng, t gi th trng cng nh hngtrc tip n li sut ca ngn hng. Bi hc t cuc khng hong ti chnh ng Nam cho thy s mt gi ca ng ni t nh hng trc tip n hot ng tn dng ngn hng.


M sinh vin: 0853030049 18


19/40


Phn 2: THC TRNG CHT LNG TN DNG NGN HNG TIPHNG GIAO DCH NGN HNG CHU TN C THNG

H NI

KHI QUT V HOT NG KINH DOANH

Gii thiu v ni thc tp

Ngn hng TMCP Chu (ACB) c Hi s chnh t ti 442 Nguyn Th MinhKhai, Q.3, TP.H Ch Minh. K t ngy 31/12/2010 vn iu l ca ACB l9.376.965.060.000 ng (Chn nghn ba trm by mi su t chn trm su mi lm triu

khng trm su mi nghn ng). Vi nhng c gng, n lc khng ngng ngh, nhiunm qua ngn hng ACB lin tc gt hi nhiu thnh cng: Hun chng lao ng hngNh do Ch tch nc trao tng; C thi ua ca Ngn hng nh nc; Ngn hng tt nhtVit Nam 2009 do The Asset trao tng; Ngn hng tt nht Vit Nam 2009 do The Bankertrao tng; Ngn hng tt nht Vit Nam 2009 do Global Finance trao tng; Ngn hng ttnht Vit Nam 2009 do Asiamoney trao tng; Ngn hng tt nht Vit Nam 2009 doEuromoney trao tng; Ngn hng tt nht Vit Nam 2009 do Finance Asia trao tng; Ngnhng tt nht Vit Nam 2008 (Tp ch Euromoney); Ngn hng tt nht Vit Nam 2007; Cthi ua ca Chnh Ph; "Nh lnh o tr trin vng ca Vit Nam nm 2007" (ng

Minh Ton - Ph Tng Gim c ACB); "Nh lnh o tr trin vng ca Vit Nam nm2007" (ng Minh Ton - Ph Tng Gim c ACB); Dch v Ngn hng bn l chi lng nht nm 2008..v.v

PGD Tn c Thng l PGD trc thuc Chi nhnh H Ni Ngn hng ACB cthnh lp vo ngy 28/05/2008 nhm thc hin k hoch m rng mng li hot ng cangn hng ACB ti H Ni.

Tnh hnh nhn s:

- 01 Gim c PGD- 02 PFC- 01 CA- 02 CSR

- 01 Kim sot vin giao dch- 01 RA- 03 Teller (01 Teller kim th qu)

- 05 Bo v v 01 Tp v


M sinh vin: 0853030049 19


20/40


Di y l mt s ch tiu hot ng ca ngn hng trong 3 nm qua (Tnh n thiim 30/06/2010)

Bng 1: Mt s ch tiu hot ng ca phng Giao Dch Tn c Thng Ngnhng ACB H Ni t thng 5/2008 n thng 6/2010

n v: ng

STTCC CH

TIUNm 2008 Nm 2009 30/06/2010

ICh tiu kinh

doanh1 Huy ng 94,836,000,000 145,029,000,000 147,478,000,0002 D n cho vay 18,857,000,000 47,194,000,000 60,356,000,000

II Thu nhp 1,736,235,814 3,681,196,462 1,584,389,1601 Huy ng 1,279,322,846 2,134,699,101 867,774,8072 Cho vay 143,282,689 761,700,218 448,738,225

3Thu nhp thun

t dch v77,497,403 239,637,467 172,285,225

4Li nhun t

hot ng Ngoihi

15,482,220 24,503,153 0

5 Cc khon thunhp khc

220,668,656 520,656,514 95,590,414

III Chi ph 2,716,987,130 6,144,980,772 2,176,692,477

1Chi ph d phng

(D phng nkh i)

262,232,583 643,795,665 265,439,072

2 Chi hot ng 2,437,681,547 5,501,185,107 1,911,253,405IV Li nhun -982,252,669 -2,466,873,314 -529,303,912

(Ngun: Bo co tnh hnh hot ng ca ACB Tn c Thng t khi thnh lp

n 30/06/2010)

Trong khong thi gian hot ng hn 2 nm k t thnh lp, hiu qu hot ng caphng vn cn thp. Li nhun 6 thng u nm 2010 l ( -529,303,912ng). Tuy nhin,n ht 30/09/2010, con s ny l (-1,753,630,000ng). Theo , tng ly k t ngykhai trng l: (-5,117,610,000ng).


M sinh vin: 0853030049 20


21/40


22/40


iu ny cho thy rng, sau mt thi gian hot ng, PGD ngy cng ch n i tngKHDN song song vi KHCN. Tuy nhin, trong sut khong thi gian nghin cu, ngunhuy ng ca PGD ch yu vn t KHCN vi t trng khong 80%, phn cn li tKHDN. Trong 5 thng u nm 2011, tng huy ng vt hn so vi 2010. Trong , ttrng ca KHCN chim n 85%. Nguyn nhn ch yu dn n vic hin tng ny l do

li sut tng thu ht cc khch hng c nhn i gi tin ngn hn ti Ngn hng.

Hot ng tn dng

Sau khi huy ng c ngun vn, thng qua hot ng tn dng, ngn hngchuyn ngun vn n nhng ch th thiu ht vn trong nn kinh t. Hot ng tndng s gip ngn hng to ra li nhun t vic thu li cc khon vay. Thi gian qua, ngnhng ACB a ra nhiu sn phm tn dng to iu kin ti a cho khch hng tip cncc khon vay phc v cho mc ch ca mnh nh:

- Vay tr gp mua nh , nn nh- Vay tr gp xy dng, sa cha nh- Vay h tr tiu dng l- Vay theo nghip v pht hnh th tn dng- Vay phc v sn xut, kinh doanh v lm dch v- Vay sn xut kinh doanh tr gp- Vay mua xe t th chp bng chnh xe mua- Vay du hc- Vay cm c/ th chp s tit kim, giy t c gi- Vay th tn dng- Sn phm chng khon- Thu chi ti khon ACB Plus 50

Bng 3: S liu tng hp v hot ng cho vay ca phng giao dch trong thi gianqua (2008 thng 5/2011)

n v: Triu ng

Ch tiu Nm 2008Nm 2009 Nm 2010

5/2011Gi tr TT Gi tr TT

D n i viKHCN

12,583 31,094 147.11% 74,109 138.34% 78,826

D n i vi 6,274 14,100 124.74% 26,831 90.29% 26,275


M sinh vin: 0853030049 22


23/40


KHDNT l n qu

hn v n xu- 2.99% 2.84% 2.94%

Tng d ncho vay

18,857 47,194 150.27% 100,940 113.88% 105,101

Trong nhng nm va qua, tn dng ca PGD lin tc tng trng mnh. Trong ,d n KHCN lun chim u th so vi KHDN. D n KHCN trong nm 2009 l 31,094triu ng, tng trng 147.11% so vi khong thi gian ngn ca nm 2008. Sang nnm sau, mc tng trng vn gi mc cao vi 138.34% t 74,109triu ng. Tuy mich i c na chng ng nm 2011 nhng d n KHCN mc cao 78,826triung, cao hn ton nm 2010. So vi KHCN, KHDN c mc tng trng chm hn nhngcng t mc cao trn mt bng chung ca ngnh. Nhng khch hng ny thng vay cckhong vay trung v di hn. Do , PGD rt thn trng trong vic cp tn dng cho nhngi tng ny. Nu nh nm 2009, tng trng d n KHDN tng trng t 124.74% thsang nm sau tng trng gim cn 90.29% t mc 26.831triu ng. D n 5 thngu nm 2011 cng cha vt qua khi mc ny.

Bng 4: S liu tng hp v hot ng cho vay theo k hn (2008 2010)

Ch tiu Nm 2008Nm 2009 Nm 2010

Gi tr TT Gi tr TTVay ngn

hn11,691 26,957 130.58% 50,712 88.12%

Vay trung

hn 3,206 8,023 150.25% 23,095 187.86%Vay di hn 3,960 12,214 208,43% 27,133 122.15%Tng d n

cho vay18,857 47,194 150.27% 100,940 113.88%

T c cu cho vay trn, c th thy tn dng ngn hn lun chim u th, hn50% trn tng d n cho vay nhng tc tng trng khng cao bng vay trung hn vdi hn. Trong thi gian u mi thnh lp (2008), do ngun huy ng cha cao, ch yut ngun ngn hn nn khon cho vay phn ln l cho vay ngn hn. Vay ngn hn s gip

PGD thu hi vn v li nhanh hn. Thi gian sau, khi c mt lng khch hng vngun huy ng nht nh, PGD tm n nhng khch hng vay quy m ln hn v thihn di hn. C th, vay ngn hn trong nm 2009 l 26,957triu ng, sang 2010 tngthm 88.12% t 50,712triu ng. Tuy nhin, t trng ca khon vay ngn hn li gimt 57.12% xung cn 50.24% trn tng d n. Ngc li, vay n trung hn v di hn litng ln lt t 8,023 ln 23,095, t 12,214 ln 27,133 (n v: Triu ng). Trong ,khon vay trung hn tng trng mnh m vi tc 187.86%, tng trng vay di hn


M sinh vin: 0853030049 23


24/40


t 113.88%. Tuy nhin, vi t trng 50:50 nh trn ca PGD l khng an ton, rt d xyra ri ro v n t khon vay trung v di hn gy ra. C cu d n hp l phi nn l70:30, 70% cho vay ngn hn v 30% cho vay trung v di hn.

Bng 5: N tt so vi tng d n

T biu trn, d dng nhn thy, nt tt chim gn nh ton b tng d n, t ln xu v n qu hn vn mc an ton so vi tng d n. Hn na, tng d n cho vaycng c du hiu tng vt t nm 2009 sang nm 2010. Hin tai, cha c s chnh lch rrt gia d n nm 2010 v nm 2011.

Cc hot ng dch v v cc hot ng khc

Ngoi cc hot ng chnh ca phng giao dch l huy ng vn v cho vay, phnggiao dch Tn c Thng cng ch trng n vic pht trin cc hot ng dch v v cchot ng khc ng gp vo li nhun ca phng.

Th mnh ch yu ca phng l dch v chuyn tin quc t thng qua h thng chuyntin quc t Western Union. Tuy nhin, phng giao dch khng chu trch nhim thc hinthanh ton quc t m cc giao dch ny s c chuyn ln chi nhnh. i cng xu hng

vi ngn hng Chu, phng giao dch cng y mnh pht trin cc dch v tin ch (nhPhone Banking, Internet Banking, Mobile Banking, Home Banking, Call Center 247) gipkhch hng c th truy vn thng tin ti khon, sn phm v thc hin giao dch mi lcmi ni. Hin nay, phng giao dch trin khai cc hot ng dch v sau:

- Dch v chuyn tin trong nc


M sinh vin: 0853030049 24


25/40


- Dch v chuyn tin i nc ngoi- Dch v thanh ton mua bn bt ng sn- Dch v h tr ti chnh du hc- Dch v thu i ngoi t- Dch v gi h Tin Vng

- Dch v thu h/ thanh ton t ng tin in- Dch v nhn tin kiu hi Western Union- Dch v chuyn tin i nc ngoi qua Western Union- Dch v Phone Banking, Internet Banking, Mobile Banking, Home Banking,Call Center 247- Th tn dng quc t- Th tr trc quc t- Th ghi n

Bng 6: S liu tng hp v hot ng dch v ca PGD trong thi gian qua(2008 2010)

n v: Triu ng

Trong nm 2009, thu nhp thun t dch v l 239,637 triu ng, tng 209.22%so vi khong thi gian ngn va i vo hot ng nm 2008. Ngun thu nhp ny vn tiptc tng ln trong nm 2010 nhng mc tng gim nhiu so vi mc tng nm 2009 mc6.3%. Li nhun t hot ng ngoi hi cng cng xu hng vi thu nhp t dch v, thmch cn xu hn; nm 2009 tng trng 14.83% nhng sang nm 2010, li nhun bng 0,


M sinh vin: 0853030049 25

Ch tiuNm2008

Nm 2009 Nm 2010

Gi tr Gi tr TT Gi tr TTThu nhp thun t dch

v77,497 239,637 209.22% 254,742 6.3%

Li nhun thun t hotng ngoi hi

15,48 24,503 14.83% 0 -100%


26/40


gim 100% so vi 2009. C th thy, hot ng dch v ca PGD cha c mnh nh cchot ng kinh doanh khc.

THC TRNG TN DNG TRONG THI GIAN VA QUA

Quy trnh nghip v tn dng

Mi cn b tn dng lun phi nm vng quy trnh nghip v tn dng cth hon thnh tt nht cng vic ca mnh. phng giao dch Tn c Thng, quy trnhtn dng c tin hnh theo cc bc nh sau:

- Cn b tn dng s n gp khch hng thu thp thng tin cn thit cho khchhng vay.

- Nhn vin RA (Relation Assistant) s tin hnh hng dn khch hng lp v nhnh s xin vay.- Chuyn vin thm nh ti chnh s thm nh kh nng ti chnh ca khch hng;ng thi, chuyn vin thm nh ti sn s tin hnh thm nh ti sn m bo vtrnh t trnh thm nh ln trng n v hoc trng b phn.- Trng n v (CBL) hoc Trng b phn (PFCL) s chu trch nhim kim soth s.- Chuyn vin quan h khch hng (RM Relation manager) hoc Ban tn dng (tyvo thm quyn) s ph duyt h s.

- B phn php l s ph trch khu th tc php l (k cng chng v ng k giaodch m bo)- Cui cng, nhn vin h tr tn dng (CSR), kim sot vin v nhn vin ngn qus chu trch nhim kim sot chng t v gii ngn.- Thng thng, vic k hp ng tn dng s do Trng n v thc hin vi hnmc di 2 t.- Thi gian t lc nhn h s n lc gii ngn vo khong 5 7 ngy.

Cc ch tiu dng trong thm nh tn dng

Nh cp chng I, cn b tn dng thng s dng cc ch tiu nh tnh vnh lng nh gi cht lng tn dng. Tuy nhin, trn thc t, ranh gii gia hai tiuch ny khng c phn nh r. Ti phng giao dch Tn c Thng, cn b tn dngthm nh tn dng da trn 3 tiu ch:


M sinh vin: 0853030049 26


27/40


- Mc ch s dng vn vay: Nhng khch hng c cho vay l nhng khch hngc mc ch s dng vn vay ng quy nh ca php lut v c giy t chng minh.- Ngun tr n: Cn b tn dng s da trn cc ch tiu ti chnh xc nh cngun tr n ca khch hng xin vay.- Ti sn m bo: gi tr v tnh hp php ca ti sn m bo s c xc nh

thng qua Cng ty Thm nh a c Chu (AREV) l cng ty trc thuc tp on Chu.

Cc iu kin cho khch hng vay s c tng hp vo Bng nh gi tiu ch snphm tn dng i vi khch hng/h s tn dng KHCN hay KHDN.

C th v cch xc nh cc ch tiu trn c cp Chng I bo co ny.

NH GI THC TRNG V NGUYN NHNKt qu t c

L mt n v cn non tr trong h thng Ngn hng Chu, trong hot ng tndng PGD thc hin phng chm tng trng n nh, bn vng, tng trng i km vikim sot v m bo cht lng tn dng, thc hin tt vic nh gi v m bo chtlng tn dng, thc hin tt cng tc thm nh tn dng theo ng yu cu ca Ngn hng Chu. Do , PGD t c mt s kt qu nht nh trong hot ng tn dng ngnhng.

Sau 7 thng thnh lp, PGD t c d n tn dng 18,857triu ng. Trongnm 2009, d n tn dng tng hn 150.27%. Tuy nhin, nu xt v cng mt khong thigian th mc tng s vo khong 42% so vi nm 2008, cao hn 4% so vi tc tngtrng tn dng chung, chng t hot ng tn dng c trin khai hiu qu trong thigian ngn. Cng xu hng tng t, nm 2010 tng trng tn dng kh mnh 113.88%,con s ny cao gp 4 ln tc tng trng chung. Tuy nhin, trong bi cnh li sut angcao, d n tn dng thc t qu I/2011 ch mi t c 77.85% ch tiu k hoch raqu I/2011. Nhn chung, trong 3 nm qua v c u nm 2011, d n tn dng ca PGD c

xu hng tng khin li nhun t cho vay cng c xu hng tng, nm 2010 tng 17.83%,phn nh mt phn ng gp quan trng ca cng tc thm nh tn dng vo hot ngca PGD.

Bng 7: S liu tng hp v li nhun t cho vay ca PGD t 2008 2010

n v: Triu ng


M sinh vin: 0853030049 27


28/40


Ch tiuNm 2008 Nm 2009 Nm 2010

Gi tr Gi tr TT Gi tr TTLi nhun t cho

vay143,283 761,700 431.61% 897,479 17.83%

Mt khc, ch tiu n qu hn v n xu lun c gi mc thp di 3% so vitng d n. Trong nm 2010, t l ny gim t 2.99% xung cn 2.84%. Tuy nhin, trongnm nay, d bo s tng tr li ln mc 2.94%.

Trong sut 3 nm u sau khi thnh lp, li nhun ca PGD c xu hng tngnhng cha thot khi con s m, ln lt l: -982 ; -2,467; -1,546(n v: Triu ng).Tuy nhin, PGD cng n lc ht sc ngy cng nng cao hiu qu hot ng camnh bng vic nng cao h thng c s h tng cng ngh, trang thit b phc v cngvic thm nh tn dng gip cc cn b tn dng c c h thng cng ngh h tr tt (hthng chm im xp hng tn dng ni b). Kt qu, trong 5 thng u nm 2011, li

nhun tch ly ca PGD t 1,242triu ng, tng trng huy ng n thng 5/2011 t19.3% v tng trng d n cho vay t 5.63%.

Bn cnh , c ch cho vay ca PGD cng rt to iu kin cho cc khch hng cth tip cn ngun vn nhanh chng vi thi gian thm nh tn dng trung bnh vokhong 5 7 ngy cho mi khon vay, gip khch hng ch ng trong ti chnh phcv cc mc ch s dng ca mnh.

Ngoi ra, m bo ri ro tn dng c th xy ra, PGD lun trch mt khon d

phng ri ro bng 0.75% mi khon cho vay ra.

Nhng tn ti:

- Nhn chung, xu hng tng lun hin din trn hu ht cc mt hot ng ca PGD.Tuy nhin, nhng kt qu t c so vi mt bng chung ca cc PGD thnh lp cnghoc sau thi im vn cha phi l cao. V vy, chng ta cn phi tm ra nhng mtcn tn ti kp thi khc phc.- ACB Tn c Thng cha khai thc hiu qu li th ca a bn. Tng ti sn (hay

quy m hot ng kinh doanh) ca Phng vn cha ln, i tng ch yu ca Phngl KHCN, KHDN cn cha nhiu. Theo , y chnh l nguyn nhn lm cho hiuqu hot ng ca Phng cha cao. Do , cha khai thc ti a cc sn phm dch vca ngn hng.- Cn b tn dng l ngi trc tip bn cc sn phm, dch v ca Ngn hng nkhch hng i hi cn b tn dng phi am hiu cc sn phm c th a n taykhch hng mt cch hiu qu v nhanh nht. Tuy nhin, vic o to cn b p ng


M sinh vin: 0853030049 28


29/40


nhu cu vn cn chm, mt cn b phi qun l nhiu khch hng vi nhu cu s dngsn phm dch v khc nhau dn n cng tc thm nh cn hn ch.

Nguyn nhn:

Cht lng thm nh tn dng ca PGD Tn c Thng ACB vn cn mt shn ch tn ti m PGD cn phi thng thng nhn nhn c hng gii quyt khc phctrong tng lai sm nht. PGD cn nhn nhn li nhng nguyn nhn khin hn ch vncn tn ti.

II.1.1. Nguyn nhn ch quan:

H thng xp hng tn dng ni b cn mt s hn ch:

Cc ch tiu chm im khch hng trong h thng xp hng tn dng ni b

cn mang tnh qua thn trng, kht khe dn ti vic p dng chnh sch khch hng theotng khch hng c th cn cha c thun li. V d:

Lch s tr n ca khch hng:

tng b chuyn n qu hn trong 12 thng qua: 20 im

Lun tr n ng hn: 100 im

Nn c mt mc tr n trung bnh gia c th dung ha, chng hn:

Khch hng a n k hn khon n u tin: 80 im. Thi gian th thch khon vay bqu hn nn gim xung cn 3 6 thng thay v 12 thng nh hin nay.

Cht lng ca cc cn b tn dng vn cn cha cao

- Hu ht cc cn b tn dng ti PGD cn tr v c tui i v tui ngh. Ngn hngthng xuyn phi b tr cc cn b tr va ra trng i hc nng cao nghip vtrong thi gian 1 2 thng. Do vy, vic thiu ngun nhn lc l khng th trnh khi

khin cn b tn dng trong phng cha p ng khi lng cng vic.- Vic t tm kim, hc hi kin thc ca cc cn b cn gp nhiu kh khn do khilng cng vic nhiu, cc cn b lm cng tc thm nh tn dng thng phi lic quan mun nn cng khng c nhiu thi gian hc thm nng cao trnh .

Chi ph c nh vn cn cao


M sinh vin: 0853030049 29


30/40


PGD ang chu p lc t tin thu nh qu ln so vi quy m hot ng caPGD. Gi thu vn phng ca cc n v trong h thng ACB ti khu vc min Bc nichung v khu vc H Ni ni ring thng dao ng vo khong t 50 80 triu ng/thng. Trong khi gi thu tr s ca ACB Tn c Thng vi mt ta nh 7 tng l 14.800USD/thng. Tuy nhin, phng ch s dng tng 1 v tng 2. Cn li t tng 3 n tng 7

c dnh cho Hi s ACB thu li lm vn phng cho b phn Marketing v b phnThm nh vi mc gi ch 3.500 USD/thng. Nh vy, gi thu vn phng ca ACB Tnc Thng cao gp nhiu ln gi mt bng chung ca cc PGD khc trn cng a bn.

II.1.2. Nguyn nhn khch quan:

Nhng nguyn nhn khch quan nh hng ti hot ng nh gi cht lngtn dng ca ngn hng, nm ngoi tm kim sot ca PGD cn phi c nh gi ng phi hp thc hin khc phc.

Nng lc cn yu km ca cc doanh nghip trong lp v cung cp thng tin

Trnh lp Bo co ti chnh, H s vay vn ca mt s doanh nghip cnyu km dn n vic thng tin a n PGD cn nh git, khng chnh xc. Cha k cccon s trong cc bo co c th b tnh ton sai hoc c tnh nho nn khc xa vi thc t,khin cho qu trnh thm nh ko di khng c li cho c hai bn :Ngn hng v doanhnghip.

Cc KHDN ca PGD phn ln l cc doanh nghip va v nh, khng thchin kim ton Bo co ti chnh. Do , PGD kh pht hin ra sai st trong chp hnh ch k ton ca doanh nghip.

Ngun thng tin cn cha y v cp nht

Hin nay, vic khai thc thng tin qua cc ngn hng bn, cc i tc c quanh lm n vi doanh nghip hay t cc c quan qun l Nh nc v Thu (thu, thanh

tra) gp nhiu hn ch v s lng v cht lng ngun thng tin. Bi l, Nh nc chac mt iu lut mang tnh php l, quy nh trch nhim cung cp thng tin ng n,chnh xc ca cc t chc trn, vic cung cp thng tin n u, mc ng n y n mc no cn ph thuc vo thin ch v li ch ca ngi cung cp thng tin.

H thng cc vn bn hng dn Thm nh tn dng cn gp nhiu bt cp


M sinh vin: 0853030049 30


31/40


Hot ng Thm nh tn dng ni chung c lin quan nhiu n cc vn bnphp lut nh: Lut Doanh nghip, Lut cc TCTD, cc Ngh nh, Thng t hng dn vthi hnh cc Ngh nh v Tn dngCc vn bn ny hin vn ang c sa i v bsung khng th trnh khi nhng rm r v chng cho khng mong mun.

Thiu s hp tc ca cc c quan Qun l Nh nc

Do s quy nh cha r rng ca Nh nc v trch nhim hp tc cung cpthng tin ca cc c quan Nh nc, cho nn vic cung cp thng tin t cc c quan nycn yu km v cha hiu qu.

Hn na, cc c quan Nh nc vi c s h tng, trang thit b cn yu km,mc qun l thng tin v ng dng cng ngh thng tin cn cha tt dn ti vic tmkim thng tin gp nhiu kh khn v mt nhiu thi gian cho c hai bn: bn cung cp vbn nhn thng tin.

nh hng t mi trng hot ng

Trong nm 2010, nhng vn t mi trng hot ng nh hng n hotngn hng nh:

Cn i v m vn cn cng thng

- Ch s CPI trong nm 2010 (11.8%) tng cao so vi mc tiu ca Chnh ph

- Cn cn vng lai thm ht khong 10% so vi GDP, gy sc p ln t gi v lmgim d tr ngoi hi.- Tin ng mt gi: NHNN 3 ln h gi tin ng so vi USD.- Tnh trng 2 t gi v 2 li sut: T gi USD trn th trng cao hn gi nim yt tingn hng c lc n 10%. Tng t l li sut: thng 11 12/2010 trong khi li sut mc 12% th chi ph huy ng thc mc 14 17%. Hin ti, mc huy ng thcthm ch cn ln n 18 20%.- Vn n v u t km hiu qu ca Tp on Cng nghip tu thy Vit Nam

(Vinashin) lm xu i hnh nh th trng ti chnh Vit Nam.Thay i chnh sch:

- Chnh sch tin t v ti kha khng n khp nhau vi 2 mc tiu: tng trng vchng lm pht.


M sinh vin: 0853030049 31


32/40


- Hot ng ca h thng ngn hng chu tc ng mnh bi hng lot quy nh phpl theo hng tht cht nh: Cc t l m bo an ton mi theo Thng t 13/2010/TT-NHNN v Thng t 19/2010/TT-NHNN; Hot ng kinh doanh lin quan n vng bthu hp theo Thng t 22/2010/TT-NHNN.

Chng III: GII PHP NNG CAO CHT LNG TN DNGNGN HNG TI PHNG GIAO DCH NGN HNG CHU TN

C THNG H NI

S CN THIT PHI NNG CAO CHT LNG TN DNGMi trng kinh doanh v p lc cnh tranh ngy cng gay gt

S tng trng nng ca nn kinh t trong thi gian qua to iu kin cho thtrng ti chnh ti Vit Nam ngy cng pht trin, c bit l ngnh ngn hng. ng o

cc ngn hng tr ra i vi cc sn phm, dch v mi u vit khin mi trng kinhdoanh trong hot ng huy ng v cho vay ngy cng tr nn gay gt.

Cc ngn hng nh BIDV, Agribank, Vietcombank, Vietinbank, Sacombank, ul nhng i th cnh tranh mnh ca ACB. Cc Ngn hng quc doanh s c li th hnvi uy tn lu i v lng khch hng c nhn v t chc ln l cc cn b - cng nhn vin chc v t chc trc thuc Nh nc. Bn cnh , phn ln cc ngn hng ny s lknh gii ngn chnh cho cc d n ca Nh nc. Tuy nhin, cc ngn hng thng mili c li th hn trong vic cung cp cc sn phm, dch v c cht lng tt, nhanh chng

- kp thi. V vy, ng vng trong mi trng cnh tranh ngy cng khc lit ny, ACBcn phi nng cao cht lng tt c cc hot ng ca mnh. c bit l hot ng tn dngbi y l hot ng xng sng ca mi ngn hng.

nh hng v mc tiu kinh doanh ca ngn hng

Tt c cc hot ng kinh doanh ca ngn hng khng loi tr hot ng tn dngu phi tun theo nh hng v mc tiu kinh doanh ca ngn hng. nh hng caNgn hng ACB ni chung v PGD ni ring chnh l tng trng bn vng v kinh doanh

an ton hiu qu. t c mc tiu , trong bt c hot ng no, nht l hot ngtn dng hot ng mang li nhiu li nhun v cng nhiu ri ro nht cho ngn hng.Mi cn b tn dng u phi tun th ng cc trnh t ca quy trnh tn dng, chp hnhcc quy nh ca php lut v T l m bo an ton, duy tr t l n qu hn v n xu mc thp v khng vt ngng cho php, hn ch ri ro mc thp nht c th.


M sinh vin: 0853030049 32


33/40


Cht lng tn dng ngy cng tr nn quan trng i vi ngn hng

Cht lng tn dng ca mt ngn hng c tt th kh nng cung ng dch v cangn hng mi cao, p ng c nhu cu ca nhiu i tng khch hng, to thm cnhiu vn t vic quay vng vn tn dng tt, to thm nhiu sn phm phc v c

thm nhiu i tng khc nhau. Cht lng tn dng ngn hng tt s gim chi ph nghipv, chi ph thit hi, tng li nhun cho ngn hng. T to ra uy tn, th mnh v v thcho ngn hng trn th trng. V vy, mi bc i ca ACB ni chung v ca PGD niring u phi lun quan tm n nng cao cht lng tn dng.

GII PHP NNG CAO CHT LNG TN DNG NGN HNGGii php t pha ngn hng

II.1.1. M rng i tng cho vayHin nay, PGD ang v tr c nhiu khu dn c v cc ca hng kinh doanh

bun bn cc loi mt hng. Vic ang dng ha cc hnh thc cho vay s ph hp vinhiu i tng khch hng hn. i vi KHCN, tip cn cc khu dn c xung quanh bngvic pht thanh nhng thng tin v s c mt v cc sn phm tn dng ca PGD. Thngqua nhm khch hng ny, c th y mnh vic cho vay c nhn vi mc ch tiu dng,Cho vay Du hc, Xc minh nng lc ti chnh, u t, tuy nhin cn c s t vn sn phmv ti chnh ph hp t nhn vin PFC. Ngoi ra, i tng h gia nh kinh doanh ti cclng ngh truyn thng cng l i tng tim nng cho mng tn dng c nhn. i viKHDN, PGD cn ch hn n khch hng l cc doanh nghip hot ng trong lnh vcXut nhp khu ko hot ng thanh ton v cho phng.

II.1.2. M rng knh thu thp v nng cao cht lng ngun thng tinII.1.2.1. M rng knh thu thp thng tin:

Trc ht, c th m rng ngun thng tin ca mnh, PGD cn i chiuvi nhng gi ngun thng tin sau tng kh nng thu thp thng tin qua cc knh angc s dng. Ngun thng tin PGD s dng kh a dng:

Thng tin trc tip t khch hng:

- Thng tin t phng vn khch hng

Qua phng vn, cn b tn dng s d dng xc nh c l do xin vay, yu cu xinvay v c p ng c quy nh ca ngn hng khch khng. Cch tr li, thi ca itng c phng vn s sm bc l s lc ban u v t cch v nng lc qun l cngnh tnh hnh kinh doanh, nng lc ti chnh ca khch hng. Mc tht th, kh nngcam kt ca ngi vay cng c th hin phn no trong cch tr li ca khch hng.


M sinh vin: 0853030049 33


34/40


- Thng tin iu tra ni hot ng ca khch hng

Cn b tn dng cn tin hnh tham quan c s sn xut kinh doanh ca khch hng.Vic i thc tin, xem xt tn mt ni din ra hot ng kinh doanh gip cn b nh gic thc t trang thit b, trnh qun l, trnh t chc ca doanh nghip c ng vi

nhng kt qu ca qu trnh phng vn hay khng.

- Thng tin t cc H s php l v BCTC do khch hng cung cp

Trc ht, khai thc ti a ngun thng tin t doanh nghip, PGD cn c s nghimtc trong vic yu cu doanh nghip vay vn cung cp nhng h s php l, giy tchng nhn lin qua cng y BCTC, k hoch sn xut kinh doanh cng nh phngn vay vn Thng tin nh gi chnh thc v tnh hnh ti chnh, sn xut kinh doanh cadoanh nghip c cung cp cho ngn hng thng qua cc bo co ti chnh, mc tin cyca bo co ny cn phc thuc vo tng doanh nghip, bi c nhiu doanh nghip snsng i ph vi ngn hng bng vic c tnh sa cha cc con s tht nhm lm p sliu. Chnh v vy, nu doanh nghip khng cung cp y nhng thng tin m ngn hngcn th cha th tin hnh thm nh tn dng.

Thng tin t bn thn ngn hng

Hin nay, thng tin v lch s giao dch ca khch hng c lu tr trong

h thng thng tin ni b ca Ngn hng Chu. V vy, nhng doanh nghip tin hnhgiao dch hoc s dng sn phm ca ngn hng ti bt k chi nhnh, PGD no, PGD cngu c th d dng truy vn nhng thng tin cn thit cho qu trnh thm nh tn dng.

Thng tin t cc ngn hng khc

M rng knh giao lu, trao i v chia s vi cc ngn hng khc. PGD xydng mi quan h tt vi cc PGD, Chi nhnh ca cc ngn hng khc trn cng a bn cng trao i, cp nht thng tin v cc khch hng tn dng trnh cho vay sai quy nhca ngn hng cng nh php lut.

Thng tin khc


M sinh vin: 0853030049 34


35/40


- Ngun thng tin chnh thc

l ngun thng tin c cung cp rng ri, cng khai d lun bi nhng t chc uytn, nh cc c quan chnh ph, c quan chc nng nh: thu, php lut, bo ch,phng tin thng tin i chng, hay nhng c quan thng k.

PGD cng cn ch ng tm kim cc ngun thng tin mi, ng tin cy nh t cc tchc t vn, cung cp thng tin chuyn nghip.

- Ngun thng cha chnh thc

y l nhng ngun thng tin cha c kim chng v tnh xc thc, xut pht t ccmi quan h, l nhng ngun thng tin tri chiu. chnh v vy, n lun l con daohai li, c th rt c lc cho ngn hng nhng cng c th l mt thng tin sai lchkhin ngn hng b qua nhng khch hng thc s c tim nng. Quan trng l cn b

tn dng bit chn lc, tnh to chn ra nhng thng tin hu ch.

II.1.2.2. Nng cao cht lng ngun thng tin

Mt b phn khng nh cc doanh nghip va v nh khng tin hnhkim ton cc BCTC ca mnh. Do vy, tng chnh xc v trnh ri vo ci by lmp BCTC ca cc doanh nghip, nn chng cn tin hnh t kim tra bng cch vi ln

xung tn c s ca doanh nghip xin vay vn xem xt cn thn k cng tnh hnh snxut kinh doanh ni chung v tnh hnh thc t ni ring. i vi KHCN, cn b tn dngcn n tn ni lm vic, nh thm d kin ca nhng ngi sng gn khch hng thu thp thng tin. Cch kim tra ny tuy mt kh nhiu thi gian v cng sc, ihi cn b tn dng phi c hiu bit v cc nghip v k ton, kh nng giao tip tt vkh nng tng hp s liu, tuy nhin, li em li hiu qu cao. Bi cng vic ny s gipPGD loi b nhng ri ro khng ng c. V th, li ch ca vic ny cng rt nh xemxt, v mt khi ri ro xy ra th thit hi ca n gy ra cn ln hn nhiu ln so vi chi phban u b ra kim tra k cng.

II.1.3. Hon thin ni dung, phng php k thut thm nhTrong tng lai gn, PGD cn iu chnh bng xp hng tn dng ni b theo

hng hp l hn, chia nh v hp thnh cc nhm vi nhng ch tiu ph hp, vi cc cnhn, loi hnh doanh nghip, ngnh ngh kinh doanh v quy m khc nhau trong nn kinht. nh k iu chnh cc tiu chun nh gi cho ph hp vi nhng bin ng thc ttrn th trng v mc tiu, chin lc kinh doanh ca ngn hng.


M sinh vin: 0853030049 35


36/40


Mi tiu ch cng cn c nhng chun mc khc nhau gia cc doanh nghipquy m ln v nh, gia cc loi hnh cng ty sn xut v cng ty thng mai dch v; giacc doanh nghip sn xut v cc doanh nghip xy lp Nh , khi nh gi doanhnghip, cn b tn dng c th so snh c trung bnh ngnh, hoc so sch vi nhngdoanh nghip c cng quy m vn hay loi hnh kinh doanh. Cch nh gi ny s th hin

ch ng ca doanh nghip hin ti u trong lnh vc ny, kh nng s dng vn cadoanh nghip hiu qu cha v doanh nghip c tng lai hot ng khng.

Tham kho h thng cc ch tiu xp hng tn nhim doanh nghip ca cc tchc uy tn nh Moodys, Fitch, Standard & Poor b sung cc ch tiu nh gi c ngha v tin dn ti nhng chun mc quc t.

II.1.3.1. Nng cao cht lng i ng cn b

Khuyn khch cn b t hc

Vic khuyn khch cn b tn dng s dng thnh tho ngoi ng, cbit l Ting Anh (gip trong qu trnh giao tip vi khch hng hoc tra cu thng tinchuyn ngnh) l cn thit. Nhng c nhn c nhu cu t hc thm, nng cao hiu bit cngcn c ban lnh o PGD to iu kin, khen ngi v ng vin nng cao vn hiubit v kh nng chuyn ngnh ca mnh.

Xy dng ch i ng hp dnNgn hng cn c ch lng bng ph hp vi trnh chuyn mn

v nng lc khng ch ca cc cn b tin dng m cn ca ton nhn vin. c bit l l

trnh nng lng hp l theo nng lc v ng gp cho s pht trin ca ngn hng. Saumi hp ng tn dng ln thnh cng, ngha l khon cho vay lnh mnh, thu hi gc vli y , ng hn cn xt thng nng cho cn b tn dng ph trch. Ngoi ra, nhngcn b c mc huy ng hoc tn dng vt ch tiu t ra cng nn c xt duyt khenthng. S i ng v chnh sch lng thng nh vy s khuyn khch cc cn b tndng hot ng c hiu qu hn.

X l nghim nhng sai phm xy raBn cnh thng, PGD cng cn quy nh vic x pht cho nhng sai

phm trong o c hnh ngh ca cc cn b tn dng vi nhng mc x pht c th nhtr lng, thng, buc phi gii quyt ht cc khon n qu hn thuc phm vi trchnhim hoc thm ch l nh ch cng tc, sa thi.

Sng lc cn b thng xuyn


M sinh vin: 0853030049 36


37/40


nh k, PGD cn kim tra cht lng cn b tn dng v c nng lcchuyn mn ln t cch o c, vi nhng trng hp vi phm nhiu ln, ban lnh ocn xem xt c nn c nhn tip tc cng vic na hay khng. iu ny khin chocc nhn vin lun c thc t trau di bn thn v hon thin mnh, trnh b khin trchhoc sa thi.

II.1.3.2. Gim st cht ch tun th quy trnh thm nh tn dngCng tc thm nh tn dng ngn hng c vai tr ht sc quan trng,

nh hng n cht lng mn vay nn vic thc hin n phi c tiu chun ha, coitrng v cn t chc nghim tc trong ton h thng c s kim tra, gim st c th.

m bo quy trnh thm nh tn dng c tun th trit , PGDcn c k hoch tng cng cng tc kim tra, kim sot ni b vi cc nghip v ny.Hot ng kim tra ni b phi c thc hin nh k, t sut v ton din. Mc ch

chnh l nh gi mc tun th cc quy ch tn dng, pht hin kp thi cc sai st cnguy c dn ti ri ro tn dng pht sinh t pha cn b tn dng v cnh bo h qu cc viphm.

II.1.3.3. Tng cng u t c s vt cht k thut, hin i ha cngngh ngn hngNgn hng ACB a vo s dng H thng thng tin ni b Lotus.

Nhn vin trong h thng ACB c th gi th in t, truy vn cc thng tin ni b thngqua mng ni b ny. Tuy nhin, H thng ny vn c th gy tr ngi cho nhn vin nhvic ch c mt s my trong PGD mi c th truy cp mng ny. Ngoi ra, nguy c b

hack cng c th cao bi ti phm cng ngh thng tin ngy cng tinh vi v hin i. Vvy, ngn hng cn khng ngng kim tra, nng cp h thng c th thch ng kp thivi s pht trin nhanh chng ca cng ngh thng tin nh hin nay.

Gii php v mII.1.4. Hn ch thng tin bt cn xngVn thng tin bt cn xng lun tn ti trong hot ng ti chnh, c bit,

i vi ngn hng, hot ng tn dng l hot ng tim n nhiu ri ro v vn thng tinbt cn xng. Bt cn xng ch, ngi i vay c th c t vn hiu r cc sn phm

tn dng ca ngn hng, tuy nhin, ngn hng li kh khn hn tm thy chnh xc vy thng tin v khch hng xin vay.

Hin ti, Trung tm tn dng thuc Ngn hng Nh nc Vit Nam (CIC) l tchc duy nht thc hin cng tc thu thp thng tin ca cc khch hng c quan h tn dngvi cc t chc tn dng. Tuy nhin, CIC c cp nht v cc ch tiu cn chung chung,cng vi CIC cng cha quan tm nhiu n cp nht v chnh xc ca thng tin. V


M sinh vin: 0853030049 37


38/40


vy, cc ngn hng t thu thp lch s khch hng m khng qua CIC. Nh nc cn c su t v quan tm ng n n t chc ny bi tm quan trng v cn thit ca n.

Mt khc, cc thng l chung bt u c p dng to Vit Nam, tuy nhinh thng chun mc k ton ca Vit Nam vn cn nhng im khc bit so vi quc t;

hn na, c mt s doanh nghip va v nh khng b bt buc kim ton. Nhng vn to nn k h gip doanh nghip lch h thng s sch. Vi tnh trng nh vy thngn hng rt kh nhn bit nhng yu km trong hot ng ca doanh nghip.

II.1.5. Hon thin cc vn bn lut lin quan n hot ng tn dngLin quan n hot ng ca ngn hng c Lut cc t chc tn dng 2005,

cc vn bn Ngh nh v Thng t iu chnh. Tuy nhin, th trng ti chnh ca VitNam vn cn non tr v ang trn pht trin mnh. V vy, cc vn bn php lut cnc iu chnh thng xuyn p ng tc pht trin nhanh chng ca th trng tichnh. Nhiu vn bn khng cn ph hp vi tnh hnh hin ti. Tuy nhin, khi c banhnh, cc vn bn c v mi li chng cho nhau, gy nhiu kh khn cho cc ngn hngtrong hot ng. V lu v di, cc vn bn ny cn c h thng ha thnh b Lut ringv Ti chnh Ngn hng cc ch th tham gia c th d dng tra cu v p dng

XUT PHN HI T C QUAN THC TP


M sinh vin: 0853030049 38


39/40


KT LUN

Hot ng Tn dng l mt hot ng kinh doanh to ra li nhun ch yu cho ngnhng. Tuy nhin ri ro m cc ngn hng thng gp l khi cho vay m khng thu hi ccc khon n n hn. Nguyn nhn dn ti ri ro ny phn ln l do ngn hng khng nm

bt c ton b thng tin v tnh hnh sn xut v kh nng ti chnh ca khch hng. Do, nng cao cht lng tn dng ngn hng l mt vn cn c quan tm ng n.

Trn c s tm hiu v nghin cu thc t hot ng tn dng ti PGD trong thi gianthc tp, bi vit ny, em t c mt s kt qu nht nh v: Mt l, tm hiu vnh gi c nhng thng tin hu ch, thc t v hot ng tn dng ti mt PGD; Hai l,c tn mt quan st cch lm vic v quy trnh thm nh tn dng c th ca mt cn btn dng; Ba l, pht hin v tm ra nhng gii php cho cc mt tn ti gip nng caocht lng tn dng ti PGD. Em hy vng nhng kin ca em trong bi vit ny s gipPGD t c kt qu tt hn trong hot ng tn dng, em li li nhun cao cho Ngn

hng.

Cui cng, em xin gi li cm n n s hng dn nhit tnh ca Tin s Trn ThLng Bnh Ging vin khoa Ti chnh - Ngn hng v ch Nguyn Thanh Thy nhnvin PFC ti PGD ACB - Tn c Thng - H Ni trong thi gian va qua. Trong khongthi gian 5 tun, vn kin thc cha nhiu v dung lng bo co c hn, vi tinh thn cuth, em rt mong nhn c s gp ca c hon thin hn kin thc ca mnh.

Em xin chn thnh cm n!

H Ni, ngy 25 thng 7 nm 2011

DANH MC TI LIU THAM KHO

1. PGS.TS. Nguyn Vn Tin (2009), Gio trnh Ngn hng thng mi, NXB

Thng k, H Ni


M sinh vin: 0853030049 39


40/40


2. Phng giao dch ACB Tng c Thng H Ni, Bo co kt qu hot ng

kinh doanh (2008 2010)

3. Khi qut tnh hnh hot ng kinh doanh ca ACB Tn c Thng k t khi

thnh lp v k hoch kinh doanh giai on 2011 - 2013

4. Quyt nh 1627/2001/Q NHNN5. Cafef.vn, i tm vn r vay

6. Peter S.Rose, Qun tr ngn hng thng mi, NXB Ti chnh, H Ni

Documents

Giải pháp nâng cao chất lượng tín dụng ngân hàng tại Phòng giao dịch Ngân hàng Á Châu – Tôn Đức Thắng – Hà Nội