Nâng cao chất lượng cho vay doanh nghiệp vừa và nhỏ trong thời gian qua ppt

Nghien curu
Research
NANG CAO CHAT LUONG CHO
VAY
DOANH NGHIEP
VUA VA
NHO TRONG THOI GIAN QUA:
Thuc tien Vietinbank Hai Duong
Th.S.DAOTHILANANH
Truong Gao
dSng
Kinh
\&
Ky
thu$t
Hai Duong
^ «S^5Ba*„.
Viettn
••f%^
••
y
T
hj trudng
tai
chinh thudng
phan biet
3
loai
lai
suat:
(i)

lai sudt chinh sdch,
la lai
sudt
ma
cac
Ngan hang Trung uong
cd
the kiem soat dupc tryc tiep,
vi du
nhu Fed fund rate
d
My hay
lai
sudt
CO
ban
d
Viet Nam;
(ii) lai
sudt lien
ngan hang,
la lai
sudt
cac
ngan
hang thuang
mai
(NHTM)
cho vay
ldn nhau,

vi
du
LIBOR,
TIBOR,
VIBOR,
(iii)
lai
sudt thuang
mai,
la
lai
sudt
cdc
NHTM
vay
hoac
cho
vay
cdc ddi
tupng khdng phai
la
ngan hang trong
nen
kinh
te, vi du
lai
sudt
huy
ddng,
lai

suat
cho vay.
Ve
CO
bdn 3 loai
lai
suat nay
cd
lien
he
mat
thiet
vdi
nhau
va
tuan
thii
theo nguyen
tdc: (i) < (ii) <
(iii).
Trong
dd, lai
suat
cho vay lai
phai
tuan
thii
theo
bat
phuang trinh:

LI
<
L2 <
L3
<
L4 (vdi
LI la mile lam
phat,
L2 la lai
suat
huy
ddng,
L3
la
lai suat
cho vay, L4
la
ty
suat
Ipi
nhuan binh quan
xa
hdi trong cung
ky
han lai
suat. Trong
mot
vai thdi
diem,
mdi

quan
he
tren
cd the bj
pha
vd tam
thdi, nhung
neu nd bi
pha
vd
trong 1 thdi gian
dai thi dd
la
da'u hieu khdng
tdt
cho
he
thdng
ngan hang
va
chdc chdn ddng vd'n
dang khdng dupc
luu
thdng
mdt
each
ty do va
hieu
qua.
Tac dong

cua
lai
suat
cho vay
cua NHTM
ilol viri
hoat dong cua
cac DNWN
Trong quan
he tin
dung giiia DN
va
Ngan hang,
lai
sudt
cho vay
phan
anh gia ca
ciia
ddng vd'n
ma
ngudi
sii
dyng
vd'n Id cdc
DN phai
tra cho ngudi cho vay
la
cac
NHTM.

Ddi
vdi cac DN,
lai
suat
cho vay
hinh thanh nen chi phi vdn va
la
chi
phi
ddu vao
ciia
qua
trinh
SXKD.
Do dd,
mpi sy
bien ddng ve lai suat
cho
vay
tren
thi
trudng ciing
deu
anh hudng tryc tiep
de'n
hieu
qua
SXKD
hay ndi
each

khdc
la tac
ddng tryc tiep
de'n Ipi
nhuan
ciia
DN
va qua dd
dieu chinh
cac
hanh
vi
ciia
hp cdc
hoat ddng kinh
te.
Khi
lai
sudt cho vay
ciia
NHTM tang
se
day chi
phi ddu
vao va
gia
thanh
san pham tang
len,
lam suy

giam
Ipi nhuan ciing nhu kha nang canh
tranh
ciia
DN, gay
ra
tinh trang thua
Id,
pha
san
trong hoat ddng SXKD.
Xu hudng tang
lai
suat Ngan hang
se ludn
di
lien
vdi xu
hudng
cdt
giam,
thu hep quy md va
pham
vi
ciia
cdc hoat ddng SXKD trong
nen
kinh te. Ngupc lai, khi lai suat Ngan
hang giam
se tao

dieu kien cho DN
giam
chi phi, ha gid
thanh, nang
cao hieu
qua
kinh doanh
va kha
nang canh tranh.
Lai
suat
cho vay
thdp ludn
la
ddng lyc khuyen khich
cdc DN
md
rdng
ddu tu,
phdt trien
cac hoat ddng SXKD
va qua dd
kich thich tang trudng trong toan
bd
nen
kinh
te.
O nudc
ta, do
dilu kien

thj
trudng
tai
chinh chua phat
trien.
KINHTE
CHAU
A-THAI
BJNH
DUONG
56 309(8/2010)
TO'NGHCIP-PHANTlCH-DirBAO
cac
kenh huy ddng vd'n ddi vdi DN
cdn rat han che nen ngudn vd'n
tii
cac
Ngan hang ludn ddng
mdt
vai
trd het
siic
quan trpng, do dd,
lai
suat cho vay cua cac NHTM ludn
cd tac ddng rat ldn de'n hoat ddng
cua cac DN. Trong nam 2008, dudi
siic
ep
cila

tinh trang lam phat tang
cao
va
tac ddng
tii
cac giai phap
chdng lam phat
ciia
Chinh phu,
mat bang lai suat cho vay
ciia cac
NHTM tren thj trudng da cd nhiing
bien ddng bat thudng
va
gay ra
nhieu
xao
trdn trong nen kinh te,
trong dd khu vyc DN la noi chiu
nhieu anh hudng nhat. Cd
le
mai
sau
nay
ngudi ta khdng the quen
dupc canh tupng "ddng ngudi" xep
hang de nit tien
tii
noi
lai

suat thap
sang noi lai suat cao vi lai suat tien
giii
dupc day len lien tuc, cao nhdt
la
19-20%/nam.
Theo dd lai suat
cho vay dupc day
len
diing bdng lai
suat tdi da,
21%/nam.
Nhiing tac
ddng tieu cyc
ciia
lai suat de'n eac
DN trong nam
viia
qua cd the khai
qudt lai nhu sau:
- Do lai suat cho vay tang cao,
hieu qua SXKD
ciia
hdu het cdc DN
da bi gidm
siit,
nhieu DN bi thua
Id,
kha nang tra np bi suy giam.
- Lai suat vay cao, cilng vdi

ngudn cung tin dyng bj han che da
ddn de'n tinh trang hdu het cdc DN
budc
phai CO
cau lai hoat ddng
SXKD, cdt giam viec ddu tu, thu
hep quy md va pham vi hoat ddng.
- Nhieu DN cd quy md nhd, vd'n
it, khdng chiu dyng dupc
miic
lai
suat cap, khdng cd kha nang huy
ddng vd'n de duy tri hoat ddng
SXKD da phai ngiing hoat dpng,
giai the va pha san.
Budc sang nam 2009, bdng
nhieu giai
P^aP
cua
Chinh phu va
Ngan hang Nha nudc Viet Nam,
m'at
bang
lai
suat da lien tuc dupc
dieu chinh
giam,
ngudn cung tin
dung dupc ndi
Idng,

ciing vdi chinh
sach kich cdu thdng qua hd trp lai
suat vay vd'n phuc vu SXKD cho cac
DN, hoat ddng SXKD cua cac DN
trong nen kinh te da cd dau hieu
phuc hdi trd lai, nhu cdu vay vdn
ciia
DN Cling nhu sd tien giai ngan
cho nen kinh te
ciia
cac NHTM da
tang trd lai. Dieu dd cho thay cac
tac ddng tich cyc
ciia lai
suat trong
bdi canh ca nudc dang tap trung
thyc hien
cac
giai phap kich cdu,
chdng suy giam kinh te, ddi phd vdi
cudc khiing hoang
tai
chinh
va
suy
thoai kinh te toan cdu dang dien ra
lan rdng.
Glal phap
xir
ly van de lai suat

Tren co sd phan tich, danh gia
nhiing tdc ddng
cila
lai suat cho
vay ddi vdi hoat ddng
ciia
DN,
tii
dd
cd cdc gidi phap tdi uu nhdm khai
thac cac tdc ddng tich cyc vd han
che cdc tdc ddng tieu cyc
ciia
lai
sudt nhdm dat dupc cdc muc tieu
trong hoat ddng kinh doanh cilng
nhiing hoat ddng dieu tiet nen kinh
te ludn Id yeu cdu dat ra dd'i vdi
ca
cac NHTM, cac DN vd cdc ca quan
qudn ly
vI
md,
Diing tren giac dd
ciia
mdi ben,
cac djnh hudng va gidi phdp cu the
khi
xii ly
van de

lai
suat cdn phai
thyc hien nhu sau:
Dd'i
vdi cae
NHTM
Ngudn thu ve
lai
suat cho vay la
ngudn thu nhap nudi sdng hoat
ddng
ciia
Ngan hang
va
theo ban
nang, Ngan hang nao ciing mudn
cho vay lai suat cao. Tuy nhien, xet
ve ban chat kinh te thi lai sudt tien
vay cd
lai
ngudn gdc
tii
Ipi nhuan
hoat dpng
cila
DN, do dd, cac
NHTM chi cd the "sdng" dupe khi
hoat ddng SXKD
ciia
DN cd hieu

qua va phat trien.
Vi
vay, khi thuc
hien chinh sach
lai
suat, cac NHTM
nen:
- Phan tich va danh gid chinh
xdc
miic
sinh Idi
ciia
DN de
tii
dd
xac djnh
lai
sudt cho vay hop ly,
dam bdo ddi ben ciing cd
Ipi.
- Nang cao kha nang dy bao va
thuc hien tdt vai trd tu van ve lai
suat cho vay dd'i vdi khdch hang de
giiip DN phdng
ngiia va
han che nil
ro cho chinh minh va cho ca Ngan
hang.
- Cung cap cdc san pham phdi
sinh lam cdng cu phdng ngiia nil ro

lai sudt cho cdc DN,
- Thyc hien thudng xuyen
va
kip
thdi cac chinh sach uu dai, chia se
khd khan ve lai sudt vdi cdc khach
hang gap khd khan trong kha nang
ciia
minh, qua dd hd trp khach
hang phdt trien ben viing va gdn bd
vdi Ngan hang.
- Phat huy vai trd
cila
Hiep hdi
Ngan hang trong viec thyc hien
chinh sach lai suat dn dinh, ddng
nha't, de
viia
dam bao Ipi ich kinh
doanh
ciia
Ngan hang
viia
tranh
nhiing
xao
trdn ve mat bdng lai
sudt gay anh hudng de'n nen kinh
te.
Ddi vdi cac

DN
Lai sudt tien vay la chi phi ddu
vao nen de dam bao hoat ddng
kinh doanh cd lai va phat trien ben
viing, DN cdn phai:
- Tinh toan va dy bdo that ddy
dii,
chi'nh
xac
ve chi phi
lai
vay khi
xem xet, danh gia hieu qua va
quye't dinh thyc hien ddi vdi cdc
phuang an/dy an SXKD.
- Tich cyc va
chii
ddng thyc
hien cac cdng cu phdng ngiia nii ro
ve
lai
suat thdng qua viec khai
thac,
sii
dung cac san pham phai
sinh de bao hiem
cac rili
ro do bien
g^
309 (8/2010)

KINH
7t
CHAU
A
- THAI BlNH DUONG
_ES
Nghien curu
Research
ddng lai suat tren thj trudng.
- Trich lap day
dii
cac quy dy
phdng ve tdi chinh trong hoat ddng
SXKD nhdm tao ngudn lyc dy
phdng, giiip cho DN diing viing
trong cdc
cii
sdc ve lai sudt.
-
Sii
dung than trpng
va
linh
hoat cdng cy ddn bay tai chinh
trong hoat ddng kinh doanh nhdm
dat dupc muc tieu gia tang Ipi
nhuan trong dieu kien lai sudt thap,
ddng thdi han che nii ro thua Id khi
lai suat bien ddng ngoai dy doan.
- Thudng xuyen tang cudng

nang lyc ty
chii
ve tai chinh, da
dang hda
cac
kenh huy ddng vd'n,
tranh viec phy thudc qua Idn
vao
ngudn vdn vay Ngan hang.
Mot
SO
van de ve lai suat ngan
hang trong vai nam gan day
Lai suat huy dpng: Lien tuc tang
Vdi
miic
lai suat huy ddng dupc
dua
tii
tren dudi 8%, rdi len 12%,
15%
va nhdm han che tien ra luu
thdng da gdp phdn vao viec chan
diing lam phat
tii niia
cudi
ciia
nam 2008. Tdc dd tang gia tieu
dung da cham lai
tii

thang 6 (neu
thdng 5 cdn tang
3,91%,
thi thang 6
tang 2,14%, thang 7 tang 1,13%,
thdng 8 tang
1,56%,
va thang 9 chi
cdn tang 0,18%) rdi giam lien tiep
trong 3 thang cudi nam (thang 10
gidm 0,19%, thdng
II
giam 0,76%,
thang
12
giam 0,68%).
vao
giua thdng 9/2008, khi tdc
dp tang gia tieu dung giam xudng
Cling la
liic
cudc khiing hoang tdi
chinh va suy thodi kinh te todn cdu
biing phdt, Chinh
phii
da chuyen
hudng muc tieu uu tien
tii
kiem
che lam phdt sang ngan chan suy

giam kinh te. Chinh sach tien te da
chuyen
tii
thdt chat sang ndi Idng,
vdi hang loat
cac
ddng thai, trong
dd cd viec ha nhanh, ha
lien
tuc lai
suat
CO
ban, khien lai suat cho vay
ciia
cac NHTM cilng giam theo,
ddng thdi keo lai suat huy ddng
giam xudng tuong
ling.
Tii
dau
thang 9/2008, cdc NHTM dieu chinh
giam ddn lai suat huy ddng vd'n vdi
miic
giam
til
1- 2%/nam trong mdi
thang, va de'n cudi nam 2008 giam
cdn 8-
10%/nam,
tuong duang vdi

lai sudt thdng 12/2007, thdi diem
trudc khi thyc hien chinh sdch tien
te that chat.
Ly giai sy tang len nay, cac
chuyen gia da dua ra nhiing
nguyen nhan,
tii
ca hai phia ddu
vao
va
ddu ra. O day
chii
ye'u ndi ve
ddu vao.
d
dau vao, cd mdt so ye'u
to tao
siic
ep tang lai suat huy
ddng. Mdt lupng tien kha Idn dupc
giii
vdi lai suat khd cao trong nam
trudc,
nay de'n ky dao han. Hien
nay,
lai
suat huy ddng da giam
manh, mac
dii
vdn cdn thyc duong

(tiic
Id cao hon tdc dd tang gia tieu
dung),
nhung neu khdng dupc tang
len,
thi chdng nhiing khdng
hiit
them dupc lupng tien mdi
ma
cdn
khdng
giii
dupc lupng tien
cil
de'n
ky dao han. Trong khi dd, thdi
diem
nay
dang xuat hien mdt so
yeu to tac ddng khac can trd viec
thu
hiit
tien gui tiet kiem. Cu the:
gid vang lien tyc tang cao; thi
trudng chiing khoan bien ddng
ngoai dy doan; gia tieu diing tang
cao len
va
cd dy bao ve nguy co tai
lam phdt trong tuong

lai
gan. Vi the,
neu khdng tang
lai
sudt huy ddng
thi se anh hudng khdng tdt de'n tinh
thanh khoan
cila cac
NHTM trong
tuong
lai
gdn.
Lai suat cho vay: Dupc
Ipi
nho
nhiing gdi kieh edu
Lai suat cho vay da tang nhanh
d
miic
rat cao
tii
cudi nam 2007
de'n cudi nam 2008 sau mdi Idn
tang LSCB de kiem che lam phat.
Dinh cao nhat theo quy djnh (khi
LSCB d
miic 14%/nam)
se d
miic
tran 21%/nam, nhung

mdt
sd
NHTM da
"lach"
bdng cac phu phi,
nen thyc te lai suat cd the d
miic
cao han, tham chi cd the len de'n
23-
24%. Khi LSCB giam thi lai suat
cho vay cung giam theo. Va khi
LSCB giam xudng cdn 7%/nam thi
lai suat cho vay cao nhat chi cdn
10,5%/nam.
Tuy chi cdn bdng
mpi
niia miic
cao nhat trudc day,
nhung van la cao so vdi kha nang
sinh
Idi cila
doanh nghiep.
De ngan chan suy giam kinh te
trudc tac ddng tieu cyc
ciia
cudc
khiing hodng tai chinh va suy thoai
kinh te toan cau, trong dieu kien
ngudn lyc cdn han che, Chinh
phii

da
lya
chpn
each
lam rieng cd
ciia
Viet Nam, dd
la bii
lai suat.
Gdi kich cdu
thii
nha't vdi quy
md 01 ty USD, tuong duang vdi 17
nghin ty ddng, hd trp lai suat chp
vay vd'n luu ddng, trong thdi gian 08
thang. Gdi kich cdu
nay
trien khai
thuc hien ngay
tii
thang Hai. Vdi
lupng vd'n khdng ldn, nhung da cd
tac ddng kep. Tdc ddng
thii
nhat la
giam dupc lai suat vay vd'n
ciia
doanh nghiep xudng thdp de gidm
chi phi vay vd'n, gdp phdn gidm
dupc gid thdnh, gid bdn, tang tieu

thy
ca
trong
va
ngoai nudc. Tdc
ddng
thii
hai
Id
giiip keo mdt lupng
vd'n tin dyng gdp 25 ldn
tii
NHTM,
gdp phdn cung cap cho doanh
nghiep dang ddi vd'n, giiip gidm
khd khan cho doanh nghiep. De'n
nay, mdt lupng vd'n tin dung len tdi
tren 330 nghin ty ddng da dupc di
vao
san xuat kinh doanh. Ciing
thdng qua gdi kich cdu nay, cdc
NHTM da day manh hoat ddng cho
vay nen kinh te,
giii va
tang dupc
lai
suat huy ddng lupng tien trong
dan cu, nhd lai sudt tiet kiem van
bao dam dupc thuc duong.
KINH

T^
CHAU
A -
THAI
BlNH DUONG So 309
(8/2010)
Tfi'NGHIJT'-PHANTlCH-DpAO
Gdi kich cdu
thii
hai dupc dua
ra cung la cap
bii
lai suat, nhung
la
cap
bil
lai suat cho vay trung
va
dai
han de ddu tu xay dyng, mua sdm
thiet bj san xuat kinh doanh. Gdi
kich cdu nay cung cd tac ddng kep.
Mdt mat giiip cho doanh nghiep cd
dupc lupng vd'n Idn, vdi lai suat
tha'p de dau tu trung, dai han. Mat
khac,
sd vd'n
nay
dupc dung de ddi
mdi ky thuat- cdng nghe,

viia
tranh
thii
dupc gia ca nguyen vat lieu, ky
thuat- cdng nghe dang thap,
viia
nang cao hieu qua
va siic
canh
tranh, ddn ddu khi kinh te phuc
hdi.
Thvc trang tai Vietinbank
Hal
Dirong
Tii
ddu nam de'n nay, Ngan
hang TMCP Cdng thuong
(Vietinbank Viet Nam) chi nhanh
Hai Duong da tap trung ra soat cac
khoan np vay, cd bien phap
xii
ly
kip thdi ddi vdi nhiing trudng hpp
npxdu,
np qua han. Kiem soat chat
che,
hpp ly ca cau tin dung. Tap
trung khai thdc ngudn vdn. Thyc
hien
chii

truong da dang hda hoat
ddng kinh doanh, ngoai cdc san
pham truyen thdng, thdi gian qua,
Vietinbank Hai Duong da md rdng
cac hoat ddng nghiep vu bao lanh,
chi tra kieu hdi, mua, ban ngoai te,
thanh todn qud'c te 7 thdng ddu
nam nay, chi nhanh da thyc hien
chi tra hon 2.600 mdn kieu hdi,
doanh sd mua ngoai te dat gan 9
trieu USD, doanh sd phat hanh bap
lanh dat gdn 2 trieu USD Dich vy
the ATM Cling dupc Vietinbank Hai
Duong dac biet
chii
trpng, de'n nay
da phat hanh dupc gdn 7.000 the
cac loai vdi sd du tai khoan len tdi
hon chuc ty ddng. Den het thang 7
- 2010, tdng ngudn vd'n huy ddng
ciia
toan chi nhanh dat hon 1.600
ty ddng. Tdng du np cho vay dat
1.210
ty ddng,
chii
yeu cho vay
ngdn han. Don vj da ky ket tai trp
vd'n cho mdt sd dy an Idn
ciia

cac
doanh nghiep: Cdng ty TNHH
mdt
thanh vien Kinh doanh nudc sach
Hai Duong, Cdng ty Xi-mang Hoang
Thach, Cdng ty TNHH San xua't vat
lieu
xay dyng Thanh Cdng, Cdng ty
CP Xay
Idp
1
Hai Duong
Vietinbank Hai Duong cdn dang
trien khai Chuang trinh cho vay
ndng nghiep, ndng thdn va Chuang
trinh cho vay doanh nghiep xua't
khau vdi nhiing chinh sach uu dai
lai
suat hap ddn va cac djch vu phu
trp nhieu tien ich. Muc tieu
ciia
chuang trinh nay la thiic ddy sy
phat trien kinh te khu vuc ndng
nghiep, ndng thdn; hd tro
cac
doanh nghiep xudt khau ve nhu
cdu
sii
dung vd'n de tang cudng
hoat ddng xudt khau

vao
cac thi
trudng truyen thdng
va
khai thac
cac th| trudng tiem nang.
cac
doanh nghiep che bien cac
san
pham
tii
ndng nghiep, doanh
nghiep kinh doanh trong
cac linh
vyc cdng nghiep, thuong mai, cung
ling djch vu phi ndng nghiep chi
can cd co sd san xuat, kinh doanh
tren dja ban ndng thdn vd muc
dich vay vd'n de phuc vu cho hoat
ddng
ciia
cac co sd nay cilng thudc
ddi tupng dupc hudng uu dai
ciia
chuong trinh. Ngoai chinh sach uu
dai ve lai suat, Vietinbank Hai
Duong cdn tao dieu kien tdt nhat
de khach hang tiep can vd'n vay
va
cac djch vu ngan hdng hien dai vdi

thii
tuc vay vd'n dan gian, thuan
tien.
Ben canh dd, Chuang trinh cho
vay xudt khdu vdi nhieu chinh sdch
uu dai,
lai
sudt hap ddn cho doanh
nghiep dang dupe thyc hien vdi
lai
sudt cho vay theo Chuang trinh nay
thdp hon
1,5%/nam
so vdi
lai
suat
cho vay thdng thudng
ciia
S6
309
(8/2010) KINHTE
CHAU A -THAI BlNH DUONG
Nghien curu
Research
Vietinbank dang dp dung cho
khach hdng. Ben canh dd, chuang
trinh cdn cd cac chinh sach ho trp
khdc ve sdn phdm, ve cung cap
djch vy trpn gdi va tu van; don gian
hod cac

thii
tyc vay vd'n
Mdt trong nhiing the manh
ciia
Vietinbank Hai Duong la dinh
hudng cho vay khach hang la
doanh nghiep
viia va
nhd, hd san
xuat, tap trung vao nhiing khu vyc
kinh te nang ddng
va
cd tiem nang,
tranh tap trung vao mdt sd khdch
hang Idn nhdm dam bao phan tan
nil ro. Tiep can cho vay nhiing
nganh kinh te cd tiem nang phat
trien nhdm chuyen ddn du np d
nganh cd dp
nil
ro cao sang cac
nganh phat trien dn djnh va an
toan han theo dinh hudng phat
trien cdng nghiep hod, hien dai
hoa
ciia
tinh Hai Duong.
Thdi gian tdi, Vietinbank Hai
Duong tiep tuc nang cao chat
lupng dich vy. Day manh cdng tdc

huy ddng vd'n, tap trung ngudn vd'n
cho
cac
doanh nghiep
viia
va nhd.
Day manh dich vy cham sdc khach
hang va quan tam phat trien khach
hang. Phat trien cdc san pham dich
vu mdi, dua nhieu tien ich mdi vdo
san
pham the nhdm dap
ling
nhu
cau ngay cang cao
ciia
khach
hang
Mot so giai phap nang cao chat
lirpg
cho vay doi
vm
DNWN
De nang cao chat lupng cho vay
doanh nghiep
viia va
nhd
ciia
cdc
ngan hang thuong mai ndi chung

va Vietinbank Hai Duong ndi rieng,
chiing tdi cd mdt so de xuat nhu
sau:
- Khdng ngiing nang cao chdt
lupng ngudn nhan lyc va cd chien
lupc
phdt trien ngudn nhan lyc
cha't lupng cao. Bdi
\'i,
theo nguyen
ly con ngudi la ye'u td quye't djnh.
De dam bao chat lupng djch vy
trudc het phai cd va nang cao chat
lupng ngudi cung cap djch vy. Can
quan niem hoat ddng trong linh
vyc kinh doanh tien te
Id
cung cap
dich vu tai chinh - tien te de hinh
thanh tdc phong va thai dp phyc vu
khach hang tich cyc d cdc nhan
vien
ciia
minh.
Nang cao chat lupng cdng
tac tham djnh tin dung: Doanh
nghiep
viia va
nhd hien nay thudng
cd hai he thdng ke toan rieng biet,

mdt la
de
bao
cao thue va mdt la
tinh hinh kinh doanh thyc te
ciia
doanh nghiep. Bao
cao
tai chinh
de khai thue thudng cd ket qua
tha'p hon so vdi tinh hinh thyc te
hoac de Id. Khi di vay ngan hang thi
doanh nghiep thudng dua ra bao
cao tai chinh dupc
lap
theo bao
cao thue (vi sp bj truy thu thue),
ma can
cii
vao nhiing bao cao nay
thi doanh nghiep se khdng
dii
dieu
kien dupc vay. Chinh vi vay, ngan
hang cdn cd hudng ddn doanh
nghiep
lap
bao cao tai chinh sat vdi
tinh hinh kinh doanh thyc te de
ngan hang dya vao dd ma tham

dinh.
-
Chii
ddng, thudng xuyen tiep
can vdi doanh nghiep de nam bdt
thdng tin ve hoat ddng ddu tu, san
xudt, kinh doanh, nhu cdu vd'n tin
dung
va
giai thich, hudng ddn cu
the nhiing quy dinh
ciia
co che tin
dung ma doanh nghiep chua rd;
tien hanh danh gia,
riit
kinh
nghiem viec cho vay vd'n dd'i vdi
doanh nghiep d cac chi nhanh dia
phuang da cho vay. Tren co sd dd,
cdc td chiic tin dyng can ddi kha
nang
ciia
minh de md rdng quy md
vd'n tin dung va da dang hod cac
hinh thiic Cap tin dung ddi vdi
doanh nghiep (cho vay, bao
lanh,
Cho thue tdi chinh, chiet khau ).
- Hien dai hda cdng nghe ngan

hang. Trinh dp cdng nghe cung vdi
con ngudi
sii
dung cdng nghe dd
ddng vai trd quye't djnh chat lupng
phuc vu khdch hang. Cdng nghe
dem lai nhiing budc tien nhanh va
kha nang dap ling vupt trdi sy ky
vpng
ciia
khach hang.
- Thudng xuyen trao ddi thdng
tin vdi khach hang dudi nhieu hinh
thiic,
dupc thyc hien song song
hoac Idng ghep vdi nhau nhu hdi
nghi khach hdng; cdc chuang trinh
quang cdo, khuyech truang san
phdm, djch vy; td chiic cdc cudc
tham dd, dieu tra nhu cdu
ciia
khach hang; thiet
lap
dudng day
ndng Thdng qua dd, ngan hang
truyen tai de'n khach hang thdng tin
ve sdn pham, dich vu,
xii ly
cdc yeu
cdu

ciia
khach hang va thu thap
cdc y kie'n phan hdi cilng nhu
khieu nai
ciia
khach hang lien
quan de'n
cac
mat hoat ddng ngan
hang. Ngan hang cilng cdn thiet luu
tni
dii lieu
thdng tin tap trung ve
khach hang de thuan tien phuc vu
hoat ddng trao ddi vdi khach hang.
Giai quye't khieu nai
cila
khach hang vi day la tin hieu de
ngan hang khdng ngiing cai thien
chat lupng djch vu.
Cac
nghien
ciiu
cho tha'y khach hang thudng khie'u
nai ve mdt so Idi nhat djnh. Neu
nhiing loi nay sdm dupc phdt hien,
ghi nhan,
tii
dd
siia

ddi kip thdi thi
so vu khieu nai gidm, ddng nghia
vdi dd la
miic
dp hdi Idng vd niem
tin
ciia
khach hang dupc nang cao.
Gidi quyet tdt khie'u nai
ciia
khach
hdng vdn dem lai co hdi cho ngan
hang
giii
chan khach hang. Ddng
thdi han che dupc sy Ian truyen
thdng tin do khach hang khdng
dupc ngan hang giai quye't khie'u
nai dem sy khdng hai Idng
ciia
minh ndi vdi nhiing ngudi khac.
KINHTE
CHAUA-THAI
BINH
DUONG So 309
(8/2010)