hoàn thiện và phát triển các dịch vụ ngân hàng của các ngân hàng thương mại trên địa bàn thành phố hồ chí minh
Bạn đang xem bản rút gọn của tài liệu. Xem và tải ngay bản đầy đủ của tài liệu tại đây (483.86 KB, 68 trang )
!"#$%&'#"#()
*+,-.,"/#0123$
1343567)(58/#&
/9*:;(1<=>-&
?:$,(@:$1>+6=1
1"#18*A>
BC+,"D($1--
3+0#12E17F(6,
GH&I9!<!H(1$$)$7JK8
L-$MN/O*1J4/P&NO
QRS1#>$3Q!8976+5$
-TUMI/P(1343-$1;
=(V$J"D+
18**1J4$(4
:()31).,"
#&W#QR1(X1*,1
!"#$ %"&'#
(#$$)
W#$1Y1"*(X*,V11";1";
Z[K*435\
'$$617JK8*1J
4/P&NODZX"#5Z]X.,
/" / #( 5 1 1$ $ : $ 1 - )
. , /" # ^_/`a R 6 1 8
&
'$ $ : $ 1 + 6 : $ 1 3
" -1#18*1J4
b
Nc+O&'cD(*4:c(9*
817JK8*1J4(L
.,"/#&d5 1!8976+5$
$3$$17JK8*1J4&
e89 76 1J "# 3 $ $ 7J K 8
@;#LL9*%6(118*
1J4K$4:(1)1
"#*+,-/.,"#&
*&+ $) ,-dX * ,
17JK8-$//I-9-$MN/O
*1J4Nc+O&
.&/0$)
1dX5f7K;"$1J";(*11$
$(8+$1-)_/`1#18
*1J4/P&NO&
ge8976)$h*\1J+1J";(5f7K
;Zbh*9(>"$55$ 1 * 4 : $
1-1#18^8+1J+(4$5$
$h*1J";11$$a&
[
'23!4
'356789!:;<=':>!4?!@!4:@&A""BCD!
<=':>!4?!@!4"BE!4F8A"BG!HC!9&
IJ+K!"#
IJ
/<91J3[']d$/.,+7KLM8
"L81";6)3$1
8$17$<91J-d$/.
,+7KVK*;&
M8"^MN/OaM87J6
#$>9(!+)(.,$8(4V$
f()(c5f7K5119(($
")$,7JK8$1";
*&
MN/OM8 5";# .4
&?6Y-MN/O%$1-!2
12,V\i18)MN/O$(L 156
$#1-g!2&
d M8 "# * # 1 V\ MN/O
:.,+#)K"D!9*
f->j7"#L,Q$(Y7"#$L,$(
5f 7K c 6 1 $ ) K ( + 7K
+&
M"9(VMN/O1J+
S4J"D&MD)1J
+ 9 $ c V 3 $ !2
1";91((1cD5f7K511+7K
$.,($81$!2&
]
(+K /0+
d $ /. , + 7K ^//Ia k 1J\ lM8
L//I1";6)3$1-M8<
91J-d$//Im^/<3b']d$//Ia&
/1(18)7(,"D
!9*Y5)K5189\
gMf\1-.,($87"#L
,f>n(fn(f)($
,hf(n(+$L,f$
<9*o31%91-(2"Df<3
&
g + 7K\ ) 3 1 . ,( $ 8 5f 7K
3YH5f7K3<9*o
34V)K9((*+(4
$(4328$)K+7K$&
g,7JK$3\),"
)$p6)7JK$5H()(q)(D
(q)(r8("+7K$7JK$$
$>3-$&
(!LMJ0%NJ
(I%OPQ
/9V(1911+7K12
:)3#g!2&M"h7=
1(L"1-($MN/O%1$,3$%-$
*118&'),7JK8&
s
IJ K M8 6 3 1 - MN/O& /9
*( < 9 ( "D E 56 8 4) : 1 +
7K#7JK8&
IJK8Zb\
IJK89 :7J K 121";$8
6)=:;43-8(12c=8
$)7%@#56$-)8&
M:7JK94c\
g N91\f>n(n-$8.
,.,&
g IJK$8t\ 3($"#
(9(u
g /+7K"1(91%"531J(+7K
;76$(4328&
g /+7K*7@> $L9"(
!89g5f(!<(u
g /+7K;74153(7,$&
g IJK$\433$(-9$1Q("+&
•
IJK8)1:7JK1";8
$76*3>)S)1(,76*
>)1)f(L9(:7JK91";S7JK
81)f&IJK81)fH$
9=!8Vo4o$>*
118(6)$7J#8>
") > ) 1 > % 31%97J"
"#189&M$$(7JK81)f)%
v
+H$L(o4o>+8
(Y6)Y1";$7JK+8
*(>))$9+-L#)
$9+-8(Y>$")9>)
1>789$&IJK8)11Y+\
gw>9$7JK9+
=3=$7JK9&
gxo#56$(4->)>)
1&
•
IJK8)1C1";S7JK81)f
^<g4a(D56$#1->)>&
N)9 "#*#(7JK81)f12$
.4&$53y7JK81)fc$
53y-95189\
gN<4\
W#7J K8 ^<4a($7J
#8"4^z<a78!89
76*&$7J1";>)$9+
#)$9+-8&/>7JK<4(
$6)$7J9()*7J(q
$(25(4$M;(4$u'5f7K1";7JK<4$
h%$9+^YK5 a#)$9+
-M8>7<(1cD$31XQ51)
h : 5 1) 9 # 1"; # )
<4-M8&
gz<<4\
IJKz<<4j$9*>
$3A"5$$1-$39&
'($9 {<45<-86)
|
7J+(9>%&/>j(1
=7J-$A":>$8
&w$A9${<45<$1
6)$#8&/9*(<<L8
3)431-11#-*
%&'89 #L1%")43H&
gP<4\
'8953y>81)
61&I61*$>1";1J"#(4c
>q$1$(25($,$(>$8
$"57"3()*57J@*
3($>4$#uN)A61f}!$
9*%$ >*&N)9( <4(
>1";($#"#189$h>-
9>"#&
gO4<4\
dL,$691)71(5
#",$<<1D<<
$1-3*~Z&P",91DV
39$%$$7J$JBY:7J
K61>"DKK&O7JK9($
%1XQ1 *+,1S
: > 43 "\ 5 1) 7 1( 3 $ 8
7@$&?1($1";,7JK
$9 2 5 1J 7 ^zIa& O2 5 9>
351)5•1";9217$*1)
71(j)>$$
(+!$13$4J1%-14$
9,7JK&@#251J7$C1";
€
25$8^PzMa1$!$7J$
7JK$9*%&?$7JK%
L$5•*+,1-1)1$
>1)71&
g<<\
I3Q7:)*$34n
$ES51)1J-8911";
S>>$8&w$#<4
h $ > Y 3 D $ o o - $ &
M";1-<<3"D6b]•b]D&
gIJK869\
gIJKr1J(ru
!"#$%&
M"12* *(7JK8631-
MN/O&',*1-$(L7JK83
$53 y8 $1 ;+
$(6)$9*%-$&
M"9 7J KM8 3$ 18
VKK;+$85•"
1";c+7JK>),$7JK$
&
M)K8 \ M) K8L‚ ',*
1-8(L83:116
),X+-&$11
$)K-M8"&$$$
)K-MN/O>$)K+"5\M)K
c()K5f7K()K&
~
M"9(M)K8$8"1
6)C(,X-MN/O&C
7JK81$53y7JK-8
VKK%-$5f7K7JK
-8&
((RS
IJK8L‚M17JK8("D"D
o#1Y1\
\'$7JKh$8#:"
-#6)1";$Sƒ1%91-&
„-MN/O1";)$15189\
… ) "# $ o( > :
"#C $"#&
…)#>9(!+)(.,u71(
o4o1";LL53! 7(LL +-$
$ K ( 58 5o( 4 : 1 ( 1 9 - =
$&
…4J)>)1(1cDo
4o 1"; > L L ( +( )( $ 3( q
$(u7F4-*J"D"#&
'$7JKo#18>
:HMN/O6)$9*%-$(C
;+61MN/O6),X-MN/O&
IJ K 8 MN/O $ > h
%j91" c7JK+(9X7;
8(7JK8A$7K;$Y
1+-MN/O"#1+7K&WL9($
MN/Oh,$7JK*118&
Z
(*: T
$8"W)M124o1%81y9
)1(,7K:4-S>)$
J"D4$r(X"D#$$8.,
$&w*$7JK8($85•
J"D#(X$X*3X8$-
7&IJK87JK";(9
1$ , 1"; % % - !2 & w $
"D†<%(+7K$7JK$1
1y9+);>"#"#(++53!
17$53y!2&
IJK91+7K%#X"
xIPVX-"#4 >7JK9(89
==5(7K1";$3
!2=S%#78"(.,(5f7K3
9$.,$%911%"($
53!(1753y(*>X)1(
c#!2&IJK8C*>-
"#(>$7JK8"5*91S(
"#12$ > ) 8 "; $7K(1
)5*†1S8578L11S&?6
);9=8Cj$7))1";
D(=153!)+)3&
IJK$-8j34#";7J
4VY(X";7J4V93(19
3+(9(433))+
7J$(1y9$L89($7)
) D 7 9( 1y9 $ L 4> 4$( 1 3
",$1343($4V93
Cj7)5$7C89$7J(=
1"7F75$+&I1Y1)581
!2(56$-7JK8C†
<56$-$7JK+$"$(
$(1.(43(432u&'Y4)R6!yA
1";" ;+=7JK$-8"
7%#$7J$J#($>h
6C*#(19%j1y9
"#j1y9$)"++7K
$&
(.'M
/!"#$>=-(1Y4)5
W)M+,_/`($7JK+"6"
7JK8(1Y4)$7JK91f91
7$(*L,7JK#&$-
A 174c8^"#8"#
a(t1%"(>943(4"+($.,u
(U'OV
IJK81";,-9KK%-[1
";+\
+-\1";J"D%91
$c6+1$$K*(!2>
$+-(Y3$+1
$ . , \ d 1 "; 5f 7K 7J K 8
S&$.,=1C"D
8(="D%5f7K11%"&MC5f
7K7JK8$"$("(432u&
b
I8"\1";5f7K7JK8S(-9
R6f)(f$(43(
9*7@(1%",$u
(W'ONX
M"12*(M8L.,9*)R
6$7JK3Qt>j(1cD
A6)C$&/>-M8
KX6)!$1J$7JK
+!2%(6)$7JK1$)3
4$j,$&W999!2%:7J
KL=+M8‚IK53y7JKM8
$)* $53y7JK5\
' "(&)*
N911";143(+5C
1#4nMN/O(L19c-9
-$MN/O&xo#)K91-$MN/O$
53y7JK91"5\
1!,JV91";15D(71(
$M812LS$191c9&O
:cS$3f)-$
0t5;1";fM83D
%($(X(1>1";" ,25"1&
/fMN/O4cfn(f1Jn#L
,327E(j$&
$53y91-817(
")n#n22$()4u
1&MYZMN/O914V$
$ 9 D $& $ 9 D $ 1"; MN/O $
17^"n(,hf(,h)($
[
a&'89*91:)1MN/O91c
n&W=53y9($5 :9D$-MN/O
%198YA!
1"#(%4nMN/O&
' "(&)+&,
g ' Y$[
/J5f(%$M81>+69
1#$81L4 LSV$39*7@
9>B#-‡;"171
j *,5D&M"51(1%q~($
M84o1%76f-$1;
: 9 " #& W c( 56 ) )
f9124$M83"##"D
*7@"$X&#:X~bZ0~[Z(
8#12:C+7K*7@#&
?#,(+7K*7@ :
L+7K,X" &OY7@9(1X
" 9 % 189 12 7 + 7K * 7@ 9
* 89 o 12 $ & /9 *(
"D*7@EKc-9-M8
5:cS&
g '\QM/0\ Y/0+M9 Dn
1%($M812"691#
$781J"(:"D4$$3;-$
M819Y&'4"#9="
5961#$$(jS1
76:Y!8976XC4J53!&
g ' Y ]P$ M89 *X
1);+!8976$9#1Y4)$
>)&I-L+7K9"1
]
*j"D1";6)>91%"(*-
>95 :M8(@#56-$1%"$1
5r-&
g ' YM^+)_
g ' YQ %MKON
'- "(&).
g "P ` + dJ 5f 9 V
:7JKM81%*1";6)1.)g1
M81,Y4$99$
" +7JK&/J"D+99(4$)
"Dh7$M8#6)4 L:7J"
9,1-(1cD1CB39*>&
g <Q +M86)>$
7J9(7Jn(7J$1.(7JK9S
)&
'/ "(&)0+10
g"/M_$M8 =8121";$9*
%6)1"+(1Y4))1%"&
g 'Mab/)Q
/*J"D+)9(811
l4$+m656(1-$7JK+
H$B2S%D1&'89
:Q7+$8 4o1%4$ $7J K>
#,$($.($
,$$>3D1"D7,$&
/"D;($8>9>#1
1Y$*7#>9>#&
'23(&).
4< c4c$$r
1Jp1Q$rp*$r&
s
4< Q4c$9
"#p7JK3"$4g>8*p7JK
81)f
'' "(&)$
g dNeN,ZM9=D/.($M8124o
1%6))":$$$$
433&O1 7E $ 9, 7M8Q
$$^$5311";":a1";
""01L,1%*-5Hr+7K&M9
9()K433$J$"D7ClU3
3m-M86)&
g 'MY
/=X9($M8126))3Q53
3 Q 1 + $ 8 7 ) " &
/<1(85•+*5 $J-5399>S
3Q&,X3Q5391";S7JK-9$&N%
$M813\7JK-9$>"D$
81L(-9$"$7)&
g FNfgJS
'M81cQ3Q)>9
7 1%"%Y 7" Y D $ ,
$5;+7Ko1$%Y1
$&
g <$ \%
ˆM8+6$796
S$4J($9%>;1c*(
184J$*&
g 'Mh/!%%a
M:7JK94c!$1JK*;(;>
9(4$,$$(>KO<
v
";($7JK-143)$&$M8A
1J"D4313(;$3;7+->9$
1:$9#+=J"D
679=$.,9$&
ˆG>33S817JK
+"7K+ *YL53
y7JK("367K7JK81X*
&ML+7K3f#11";
$($7JK#"7Jz<<r>
11"; 7J#1";X&ML(7
K$7JK1%9";7M856;
#$&w$B23$
%7JK+-L>8&/6568
12 l4$+m q9*)1&
(iRLK ejK,I"F"\+
K!
56,+789&:6;
()N$L9
$L$&'1Q34 :9*85\
g?6$-St>)(1Y4)S
>)S(F>&
g?6$67$1"^!(ya&
g?6X$7J4*#&
g?6$67$$7C^1%"6$a&
g?6$<J"D %$*
#&
gM%)$-&
|
g?6*9X^$*6(*
9a&
g$)1J(;$5"1"9
&
g?6!$4B$3"+:$&
g/"7JK+12X
CsX(#1X#"$&
g /* %( " 7J K " 1" 3 ‰ $ J
">(sŠgbZŠ"7JK+&
g /" 7J K + 43 V N) 1J
x‹/?-_/`&
g'1$8!y7JK+\
…'<$"#\$MNM8
$ J "D !y1$-$ "#1
;"&
…xY$"#\ $M8 5 $
$-9y-L&
…w$56$4)3Q\$M85
$)3Q ,1$7JK>
1";H L&
…w$;"1)K8^1%"a\$
M87JK+"D"#$
8Y>$t8@;&
5 <% = $ 8 0> & ?
.7@A*9&$7B7
$780>
€
gOY7@+,)67$"
7JK8("*6($+5$E
(%$"7"#$L,\
…$9*%H1Y4)1#$8"#&
…511J1#$8"#&
gw3-1L*b["#*_/`
XbZZv\
… ~s 5b[ 18
&
…[Z5b["E:
,69^+7K\4V$H*5
%a&
…]]5b[491
!f$8"#&
…]b5b[1"JL:
1#5";8"#Y8#&
…]5b[*$,#
.%"#&
…~Z5b[H8
"#8>&
…|~5b[H8
"#8> 8&
…€5b[H8
"#8> $&
$7?>*"B0"
46B
~
…_/`R6+(8\
• N<1JQ1#74V)\U24B
=9_/`&
• N 7 4V MI/\ M# B C s
X7‡4B3"#•b•bZZv&
• N1#$$7J4V
)\!$4B=9p4V1c)#$7
) 0 = 9 •b•bZZ[ # $ 8 g = 9
•b•bZZv&
• Œ* % H 7 4V )\ 12 1
/1";[X(72X*
"#1!H&
• /*+9H14313(>
$7K91J1$,9*%>
Y5";&
…•91J)\
• ? b $ = 1"; H $( MN
"##1"; $$&
• 'M8*7(.,"#
31XQ+qMI/^"1"b
)T?Ia&
• Œ*%174VMI/(#$
>9-/•3=,]ZZ)!C
[ZZ)MI/p#"D/•3=,vZZ)
! C sZZ ) MI/ = •b•bZZv 5• 3 !
CbZZ)MI/&
bZ
• 94V)31";56HY•
&
• ' 71cMI/( C [ X(
$8312X*K&
• $MN"# h1";H9sZŠ
$J53-8*J"D*8
"#&
• Œ*%3:q)"1^ZZ)MI/(
%5#*ya&
• Ž7K$9*%&
• d251#$3f4V)4J&
…/J%.%-MN"#/•\
/$b•bZZs(12|Z8"#1=bZ
12b[€$1/•"hJ
%B\Z(ssŠ$394V)(3(sŠ.53
&
4 0>CDE
…K*\
• x3q)5 :"#$8
• H1%""#.%15&
• O fH8"#1&
…/-M8"#\
• -97"#L,>9
$&
b
• O < $ " L " 8 \ $
1J"D(" ;=)
$8H)3($$
"#&
• N17+121";$ $"#
9184$r(19R
%,J"D"#&
4 0>F3GF<
…O51";79L5\
• N $ ^O95( /$ d( P<5(
?<a&
• N 5 $9 ‹/O ^O95( /$ d
?<a
• w3X#‹/O"#^O95
?<a&
• ?"; $ 8 * "# ^O95( /$ d
z7<5a
• N5 :"#7+"
>9 3 Q 53 ^O95 /$ da( 7J K
*+7JK$^/$da($43
^P<5a&
O95\
• ? : "# $8
"#4J1[ZŠ&
• w>H#$8"#
"##&
bb
• ? :"#$>9434J
#,1sŠ&
• ? :"#$>9,$4J
#,1]~Š&
/$d\
• ? : "# $ 8 # ZZŠ 1";
HH7ZX(51.%7"#
:%3 ,]~Š&
• ? :"#$>94364J
#,1bsŠ&
• w> 5 : "# $ > 9
,$&
?<\
• ? :"# $8"#
#s(bbZŠ%1";/?<O5
>&
• N5";$9H181%9
1-$8"#&
• w>5 :"#$>9
,$>943&
HIJ<KL*@#.MN>$7:6;0"
• MX~~\x38KM?MM!7"#sŠ(3q
)76:4o4!7"#ZŠ&
• MXbZZb\$7K25B&
• MXbZZ[\/M8+5$!2&/6
)q)ZŠ&
b[
• MX bZZ]\ H > 9 + ZZŠ
"#&
• MXbZZv\/67$7J2&
• MXbZZ|\e4B1$>943
ZZŠ "# p H M8
ZZŠ"#&
• MXbZZ€\.%bMN/OM"#^MNM
"MN>"a&
• MXbZ\e4B 18ZZŠ
"#&
I\f,/0
UV:$)13("-X$
$1";7JK8<R%j91"D1S$
L 5 "; 1 7J K 8 - $ MN/O& M (
"-XA*:$)43Nw
*1R68()_/`
-W)M$1117JK8&/=1(
X1""D1S1"b(617JK
8* 1J 4 /P&NO-$ MN/O L N
&
b]
'23!4(
"k'"Bl!4El"RH!4<=':>!4?!@!4'mno
"p!4!"#"lCR=nd@!"&'#"B2q':@5n8"rCIs
HC!9&I"F"
(4bJt!/0+$ %"&'#
@#)MN/O*3"#()MN/O*1J4
/P&NOL5 :(156$
!2*1J4&
()$MN/O*1J4/P&NO>=
X9>1("#1984
o&M()MN/O*1J4/P&NO17=L
5 :19>$>=&K\
g !"
1bZZv0bZZ(1Y4)XbZZ€(bZZ~&K<435)
5&
dN(dNOtf/]"'"<$ %"&'#
'J\11
O.@<A6P
QQ' QQ5 QQR QQS QQ
MN/OM"# b~€
~€
][Z
]~
sZ|
MN/OP [€v
s]
€sv
&Zsv
&]~
MNdI s
s
s
s
s
MN"# b
b|
[Z
[b
[b
9/+ [
v
|
~
~
9// s
€
€
#$%#&'#'()*+,-
/< 43 5 ) * 9 "# - ) MN/O M
"# ) MN/OP > = X( 1Y 4) )
MN/OP&
g,./01$ 2+'89A311";
S(>h%6)$C
16j1y9J"D+*1J4$&
bs
W#:3"*(8+1$$3$
19o#Zb9435\
$1J+$(#$L5 :
+1$!$=+6%1CB-
&M%9X58
&/1.4Lt1%"pt3Qp
*+&&&$&'89A$1+63
-&
>"D1%";\Y7@:4
1-J "D + )"#(7-3+
%(5(-78"(-1%"1#$1J
+E#9" )8&/1X
" -c91=f)78"^*b|Ša5
)6,&U*156X-$1J+
"#W)MA3$>"D1%""#
;(nS#$-)8*
&
(('tK_P\ej
t!"#$ %
PD0T&&LULIB7^$X43
91J-M8M"#1";$MN/O$ 7K$
17JKa\$+5$17JK89
>$(@;#>)121);
$17J#81cDA1)
$8$7JK8&
PD0T$74VW*86!A P/LL!2
-/P&NOZsX()$h*\
