Năng lực cạnh tranh của ngân hàng liên doanh việt nga (VRB) sau khi việt nam gia nhập WTO

c cnh tranh c
doanh Vit Nga (VRB) sau khi Vit Nam gia
nhp WTO


Nguy


i hc Kinh t
Lu ThS.  Kinh t th gi kinh t Quc t
: 60 31 07
ng dn: TS. Nguyn Th Kim Anh
o v: 2012


Abstract.  c ti c cnh tranh ca
c cnh tranh c
n nhng
hn ch n ti trong hong kinh doanh ca VRB, li th t li v 
lc cnh tranh c
c cnh tranh ca VRB trong thi gian ti.

Keywords. Kinh t i ngoi; ; ; c cnh
tranh

Content


 
 









i c c, h thc chun b nhu
kin cn thi tham gia hi nhn kinh t th gin v th ca
Vi ng quc t n vng nn
kinh t ng thc cn pht qua khi
Vi  150 ca t ch



 
nh v m cch v cho khc
m quan trm ci nhp
c cnh tranh ca h th
n chn thc hin sm. Mt trong nhng gi tng
 ch ng mt h th c cnh
n phm, hong hiu qu c hin tt
u tit vn trong nn kinh t.
       t qu c th th hi   a
 c Vi
y quan h hm cao mp bu
 n Vit Nam (BIDV) chim 51% v     
(VTB) (chim 49% vi s mu n tr 
c Vi
n mi hong tp trung

t      tr m c     i, H    ng,
o
  u m c tin quan trng trong vic thit lp mt mi chi
i c nc t t li. Song
i nhng li th sc p
  chc k tha nhm t , vu l bng
ng ngoi tt ti Vit Nam thc hing thi
p ca hai nn kinh t Vi
i mt vi nh








i cn ph c cnh tranh hin ti ca
VRB.


hin ti 





 VRB 

 ? 



























 ?
Vi














 t v cp thi
 c cnh tranh ct Nga sau khi Vit
Nam gia nh
2. :
t nhi c s, hoc hin
u v v c cnh tranh ca h th
ca t khi Vit Nam hi nhp kinh t quc tc bit


 150 ca t chc WTO. Mt s  
- Phm Tn M        n Th 
Th dt v cc cnh tranh c hc
  c trng v c cnh tranh ca t
trong bi cnh kinh t hi nhp, t  c cnh tranh cho
m th
vn dt v c. Do v  k thn dn
v c cnh tranh trong h th thc tin hi nh cp
ti nh  c cnh tranh ct
t v c s ht v chm v

 c cp.
- a Nguyn Thanh Phong (2009), Nguyn Th 
(2008), Nguyn Ngc B u v c cnh tranh c
i ch c cnh tranh ca c h th
u kin hi nhc cnh tranh cho tng lo
c th i qu mi c phn

Hin vu c th c hin vic
cnh cy, vic tiu v c
cnh tranh cn thi c nhm tt
t nhc cnh tranh ca VRB.

3.1.


c cnh tranh ca VRB sau khi Vit Nam gia nh s
 xut gic cnh tranh ca VRB.
3.2.
- 

- 


- 
4. 
- 
- 

5. 
- 



- 

- 

6. 
- 








-  , 















.
7. 
n mc lc, danh m vit tt, danh mng s liu, ph lc,
danh mu tham kho, luc c
 n  thc tin v c cnh tranh ca 
mi sau khi Vit Nam gia nhp WTO.
c trc cnh tranh ca VRB sau khi Vit Nam gia nhp
WTO.
t s gic cnh tranh ca VRB trong
thi gian ti.

1
  



 







Trong cnh tranh s i  nh tranh m nh
tranh yu hoc sn ph nh tranh mnh, sn ph nh tranh
yu. Kh c cnh tranh (NLCT) hay sc cnh tranh.
c cnh tranh cc biu hin bng ti
ch, v o qun tr 

hiu qu hong, s i mi v  n phng yu t n li th
cnh tranh cu c
ng cc qun tr ng dch v tt,
ng sn phm dch v, kh 
  to kh i ca vng thi gim thiu ti
ro trong kinh doanh.
c cnh tranh ca NHTM










Do hot ng cng quc t y bing
bin t y ra  bt c t c ng
c hoc ti ho mi quc gia. u hn cho
c phi cng thn ca th i
nh tranh din ra gay g hy bun phi
 i lc c

ng nhn nhiu mi sng kinh t
i, bao gm c ng ca m
c cnh tranh ca NHT 
ng kinh doanh
b) H th.
1.1.3.3 Yu t 



 :



 





- Năng lực đều hành của ban lãnh đạo ngân hàng
- Quy mô vốn và tình hình tài chính của NHTM
- Công nghệ cung ứng dịch vụ ngân hàng
- Chất lượng đội ngũ cán bộ
- Cấu trúc tổ chức
- Danh tiếng và uy tín của NHTM
- Tác nhân về đặc điểm sản phẩm
- Tác nhân về đặc điểm khách hàng



1.2.1.2 



Th nht, tp trung x  xu.
Th c t honh ra k hou l theo
 quc t 

Th ba, thc hi doanh nghip, thc hin c pht c
phi ng ch
Th y mt hp v
 
Th  qun tr u t chn
quc t.
                

 
 
c cnh tranh qua vic thc hin mt s bi sau:
Nâng cao năng lực tài chính
Nâng cao trình độ công nghệ
Phát triển, đa dạng hóa sản phẩm, dịch vụ
Phát triển nguồn nhân lực, kỹ năng quản lý, điều hành
Xây dựng, phát triển thương hiệu

2



t - Nga (Vietmam - Russia Joint Venture Bank, VRB) t
 i  p theo Gi   11/GP-NH do Th 
c Vip bi 
n Vit Nam (BIDV)  ANK) ca
- VTB vi s mu n tr i
c Vi 
t - Nga (VRB) ng.
n mi hong tp trung ti
 trm ci, H 

            
u bc tin quan trng trong vic thit lp mt mi c
nc t t li.


c nhng din bin phc tp ca th n t ng l
m b
c t m bo  thng.
-2010, Tn c ng mnh v  t
6.088 t  u qu s
dn li gim da s st gii
p d n li nhu 2010 st
gim mnh. So vi ch 
ROE ct thn phu li ho
hiu qu s dng ngun v c li nhun cao.

Ngun vng DC-TCKT c
hong. Tng ngun v

T trng vng ngun vn DC-c ci thic theo
ng hn DC ch t 7.85%/ tng DC-n 2010 t tr

u ngun vn theo loi tin t th hin s tri sa VRB trong huy
n 2007-2009 t trng ngun DC-ng
ng  mc 65% - n 2010, t l ng ngun DC-TCKT ch t 48.93%.
 bt h k hn vc st gim c v
 trn 31/12/2010 t trng vn TDH/ tng ngun DC-TCKT ch t 1.65%.

ng cp nhin bin phc
tp ca th ng tin t c bing vn

nh, cnh tranh gay gt cng v
vu l  ng chm so vi k hoch. - T ng
T p vi tc
 ng chung c
ng:
Ving theo ch 
y mnh cho vay bng ngoi tu cho vay theo k hm b cho
vay ngn hn ph n.
- Chng: N n c s tuyi t 661.696
tring (31/12/2010).
T l n x bing mnh, m t l n x
n thm cui vic khi n t
 u li n p vi ti n c
vy, t l n x mc 4,09% (tương ứng với số tuyệt đối là 257.008
triệu đồng) -  p  l n x

n CNTT ca VRB- n
in to ti cho vic m rng mn phm dch v ca
VRB hic bin phm dch v gn vi k thu
ngh  th 
2.2.2.1 Cng c h th
2.2.2.2 Qu th h tng CNTT
2.2.2.3 H tr ng dng ni b
2.2.2.4 Tri thng hi ngh truyt n Ni 
Moscow

i s n cng, s  ca VRB
  ng nhu cu ho ng c 
thng ci so v
V    trung c 

trung h t  i trong h thng
 i hc tr 
V  ngoi ng: Ly tit hp t l tip do
t - u t  C tr 
 bit tim bo hong ca m

2.2.4 N
Ngay t c t chc vi mt cn theo nh
bn sau:
- ch cho doanh thu", "quu t
chc;
- Qup trung cao v Hi s c s 

- Hi s i thc s mnh vi b    v
hiu qu   thng;

Hin ti h thng VRB bao gm S giao dch trc thuc
         h   n ti
 cung cp dch v i Vii Nga.
h thng mi c l c
nc kinh t trm ut, tuy s 
hn ch (7 PGD).

Ngo mnh sp ca hai nn kinh t
n phm, dch v ct s
cn phm VRB cung cu h
u cung c
So vi c
i nhanh v s ng song li t
 dng nhiu dch v c y dng

sn phm tin gi.


i Vim
ng trong chic ph yn theo chi
trm. Mvc
nhng li th s s t trong sn phm ci gian va qua vn tp
trung khai tn th ng cung cp nhng sn phm dch v  
 cnh tranh ch ych v.
S hu hn ch
                 
  i s h tr c     
p trung ch yc h tr trong dch v 
 tr trin dch v c tn dch v th, h tr
ngun v m bo nhu cu thanh khon kp thi. V
thng m tp trung  mt s  l hn ch rt nhiu cho
VRB trong vin dch v 


t mng h t
  trong 5 ni, c th:
- Thit lc tc bing RUB/VND vi th ng
LB Nga.
-  giao dch t
 i Moscow.
-  thng CoreBanking hii, th quc t VISA.
-  tr   i hi hc)

- Tim lu hn chn vn nh hp, hiu qu s
dng vcao:

+ Vn t  so vi Vit nam.
n vn t Hi s  
nhng giu hiu nhm bo ta VRB.
 i gia ngun v dng v
dp vi kh ng vn, nhn vng t
u loi tip vi ngun vng.
- ng cm n nhiu rn phm mt hiu qu
 hoch.
-  ch u bt cp.
- Cn tr n ch, mt s   ng gii quy
c c th, chp  lut k  ng. Nhi o
 cao cp ca VRB thiu tc, m.
-  vt ch hong  
 h th s t Hi s n
nh, ch yi hn ngn. Vim
c bin phn t, th 

C
 


3.1.1. 
a) -
“Xây dựng VRB thành Ngân hàng bán lẻ hiện đại - hoạt động theo thông lệ quốc tế, dựa trên
nền tảng công nghệ Ngân hàng tiên tiến”

“ Trở thành ngân hàng hiện đại - uy tín – chất lượng trong hệ thống, là cầu nối góp
phần thúc đẩy thương mại, hợp tác, đầu tư giữa hai nước Việt nam - Liên Bang Nga”
c) Mn cn 
 ng v  ci thin kh m bo hong

bn v
 c qun tr ri ro trong ho
 Cung cp dch v chng cao cho th ng ma chn
mi sn phm dch v.
 ng nng chng tn nghip v 
l.
  quc t tt nht trong qun tr i.
    ng nguriu- 
m bo lng.
 n h th ng ti trin phm dch v
ting nhu c
3.1.2. 












 
 kin s 
3.1.3. 










- a Vii
trong phc v mrin kinh t i gic.
- Nhu cu ci vn phm dch v 
t l n khu,
- Hi nhp kinh t quc t  to ti n cho nn kinh t, Hot
ng ngo i ngo ri ln cho s n kinh
t - i mi hop vi chun m
 quc t,
- H thng th chc ci thi p v
l quc t c th ng cho hong ca doanh nghi

- n ch, hiu qu kinh doanh, kh i thp.
- t hu v   qu- qun tr doanh nghi
c ln nht.
- i nhc c 
nh ch 
- u cht ch ca NHNN trong vic qun tr n   p
 m bo h s          
chun m quc t,
-  chic th ng mc cnh tranh t 



3.2.1.1 




3.2.1.3 











3.2.2.1 






- 
- 









3.2.2.2 
- 








- 














- 

















- 






- 





















3.2.4



.


3.2.7.1 
- Tăng cường kênh phân phối, chất lượng kênh phân phối
- Chăm sóc khách hàng


Gic hin:
Gi v rng th phn.
ng hong.
 nh tranh.
Gim ch
ng hc t

a Vi



     





.



,  , 
 , 
 . 

  



 

 : G








; 


 , 

, , 


References
u Ting Vit:
1. Nguyn Th ng vn kinh t ca h
thTạp chí Kinh tế và dự báo, (420), tr.25-
27.
2.     a ACB, VCB, BIDV, AgriBank, Eximbank, OCB,
       

3. 
4. Bao Bng kt hong kinh doanh c
2010.
5. Nguyn Ngc B nh tranh ci
Vi.1  7.
6.  c cnh tranh trong hi nh
huy li thTạp chí Tài chính doanh nghiệp (172), trang 47 - 58.
7. K hoch chin 2010  2014 (2009).
8. Nguyc cnh tranh ci Vit
u kin hi nhp kinh t quc tTạp chí Phát triển Kinh tế s 223.
9. Nguyn Th Quy (2005), Năng lực cạnh của các Ngân hàng thương mại trong xu thế
hội nhậplui.

10. Trn Su (2006), Năng lực cạnh tranh của doanh nghiệp trong điều kiện toàn cầu
hóai.
11. Nguyi nhp quc t t
Tạp chí ngân hàng, (15), tr.14  20.
12.  Quản trị ngân hàng thương mạii.
13. y ban quc gia v h quc t u v dch v 
trong bi cnh hi nhp quc t Quc gia.
14. Vin Khoa hc Vit Nam  Vi yu hi tho Khoa
hc quc t  Vit Nam  ch s - hin trn v
i.
15. Vi  u khoa h      c c  
i Vit Nam trong cnh tri nhp quc t yu hi tho khoa
hc, Nxb Thi.
u Ting Anh:
16. Chase R.B, Aquilano N.J, Jacobs R.F (2000), Operations management for competitive
advantage, McGraw  Hill Higher Education.
17. Malcolm Harper, Sukh Winder Singh Arora (2005), Small customers, big market:
Commercial banks in Microfinance, TERI Press.
18. Pearce, D.W. (1986), the Mit Dictionary of Modern Economics, Third Edition.
19. Porter, M.E. (1998), Competitive advantage, The Free press, New York.
20 Wessels, W.J. (2006), Economics.
o:
21. www.agribank.com.vn
22. www.acb.com.vn
23. www.bidv.com.vn
24. www.cafef.vn
25. www.lao-vietbank.com
26. www.vnbaorg.info
27. www.sbv.gov.vn
28. www.vrbank.com.vn

29. www.vietcombank.com.vn
30. www.vietinbank.vn
31. www.techcombank.com.vn
32. www.sacombank.com.vn
33. www.habubank.com.vn
34. www.vsb.com.vn
35. www.vidpublicbank.com.vn
36. www.shinhanvina.com.vn
37. www.indovinabank.com.vn