thực trạng và giải pháp mở rộng huy động vốn từ dân cư tại phòng giao dịch định công chi nhánh ngân hàng nông nghiệp thăng long

Chuyên đề thực tập Nguyễn Thị Quỳnh
Nga
TRƯỜNG ĐẠI HỌC KINH TẾ QUỐC DÂN
KHOA NGÂN HÀNG TÀI CHÍNH


CHUYÊN ĐỀ THỰC TẬP
Đề tài:
Thực trạng và giải pháp mở rộng huy động vốn từ dân cư tại
phòng GD Định Công chi nhánh NHNo&PTNT Thăng Long
Giáo viên hướng dẫn : TS. Đặng Ngọc Đức
Sinh viên thực hiện : Nguyễn Thị Quỳnh Nga
Lớp : NHK10B
Trường Đại Học Kinh tế Quốc Dân Khoa ngân hàng tài chính

Chuyên đề thực tập Nguyễn Thị Quỳnh
Nga
HÀ NỘI - 2010

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a89A0280180]Y0b8989
?5p@S2T8890`HNO?8904=>?896@85PQD8AF5I2;0_8992CQ`A0%`80a89A02
80180]Y0b8989
%@26R280E8FRA
J/T5t4…8u
†
DANH MỤC BẢNG BIỂU
U89GAw4894L86@804=>?895I289D80E89  ‡OOOˆXo‰oOo8Aop4OAo85‰48Q
U89Jd800d80pvQ<896@85I2;0_8992CQ`A0%`80a89A0280180]Y
0b8989  ‡OOOˆXo‰oOo8Aop4OAo85‰48Q

U89/T534U0I5>?89S280QC805I2;0_8992CQ`A0%`80a89A028018089D80E89
]Y0b8989  ‡OOOˆXo‰oOo8Aop4OAo85‰48Q
U89U8904=>?8952789v252T5S2:HS0a89S€0I85PQD8AF5I2;0_8992CQ`A0%`80
a89A0280180]Y0b8989  ‡OOOˆXo‰oOo8Aop4OAo85‰48Q
U89r4=>?8952789v252T5S2:HA{S€0I85PQD8AF5I2;0_8992CQ`A0%`80a89A02
80180]Y0b8989z
U89u4=>?895P52789v252T5S2:Hf…A50C895I2;0_8992CQ`A0%`80a89A0280180
]Y0b8989J
Trường Đại Học Kinh tế Quốc Dân Khoa ngân hàng tài chính

Chuyên đề thực tập Nguyễn Thị Quỳnh
Nga
U89 4=>?8952789v2QD8AF50a8934C;0150E8092w=5ŠA{921‡OOOˆXo‰oOo8Aop4OAo
85‰48Q
U89†d800d8004=>?896@8p6R2ST0IA0  ‡OOOˆXo‰oOo8Aop4OAo85‰48Q
2e4>Ld800d8004=>?896@85I2;0_8992CQ`A0%`80a89A0280180
]Y0b8989‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹
2e4>LJd800d8004=>?896@86EA06C=5I2A0280180]Y0b8989
  ‡OOOˆXo‰oOo8Aop4OAo85‰48Q
DANH MỤC CÁC THUẬT NGỮ VIẾT TẮT
ˆ9D80E8950FG89HI2
Œˆ9D80E895O489FG89
ˆKA0lA5}8Q<89
/ˆKA0lAS2805T
ˆ9D80E8980E8FRA
%ˆ4=>?896@8
//ˆ2789v2S0a89S€0I8
/ˆ2789v2A{S€0I8
Trường Đại Học Kinh tế Quốc Dân Khoa ngân hàng tài chính


Chuyên đề thực tập Nguyễn Thị Quỳnh
Nga
•Ž%•
•896R2p•>K2HR2ABC>w58FRAm89E8089D80E89>xA04=e8Hd80>e;0•
0h;6R2878S2805Tm5P89fFRA0E8502:8675KA0lAmAGA0T8902:;6<0E80Aa89
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Trường Đại Học Kinh tế Quốc Dân Khoa ngân hàng tài chính
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Chuyên đề thực tập Nguyễn Thị Quỳnh
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5E895O89QD8AF
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6EQI=fU5…85d80ABC50n=9212T8p™%y899kA%lAA•896R2p•92”;>š34C8
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Trường Đại Học Kinh tế Quốc Dân Khoa ngân hàng tài chính
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Chuyên đề thực tập Nguyễn Thị Quỳnh
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CƠ SỞ LÝ LUẬN VỀ HOẠT ĐỘNG HUY ĐỘNG VỐN TỪ DÂN CƯ CỦA
NGÂN HÀNG THƯƠNG MẠI
1.1.Khái quát về nghiệp vụ huy động vốn của ngân hàng thương mại
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6R20I5>?89A0B=T4m50FŠ89’4=s8tE80…852789v26R25O1A0802:H0E85OU6Epv
Q<89p@5278>{>eA06C=m>n45F6E50•A02:8A1A8902:;6<50C80518m8902:;6<
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S01A00E89
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A0lA8b89>274A0˜806EA0lA8b890I5>?89@85•A{fC9LHˆ
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502e4;0U2f‘896@8;01;>`80
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pN0„450o80274;0FG8950lAS01A80C4m5•=504?A6E>274S2:8A<50e894L86@8
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0I5>?89m>e
Trường Đại Học Kinh tế Quốc Dân Khoa ngân hàng tài chính
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Chuyên đề thực tập Nguyễn Thị Quỳnh
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0E89mHNO?890C=5040•;34=HaO895K89894L86@8ABC89D80E8950FG89HI2

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fC9LHˆ
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5FmB=501AAw;;015mB=501A92U289D86E5040?‹
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1.2. Mở rộng huy động vốn từ dân cư tại ngân hàng thương mại
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1.4. Các nhân tố ảnh hưởng đến hoạt động mở rộng huy động vốn từ dân cư
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pvQ<896@81A5KA0lAA1AQC808902:;50dA{>274S2:8;0155O2e8mA_8A1AA1
Trường Đại Học Kinh tế Quốc Dân Khoa ngân hàng tài chính
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Chuyên đề thực tập Nguyễn Thị Quỳnh
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Chuyên đề thực tập Nguyễn Thị Quỳnh
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Kết luận chương 1:c4CA0FG89H?550w=O‘89894L86@8A02TH6C25O_Ow534C8
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Trường Đại Học Kinh tế Quốc Dân Khoa ngân hàng tài chính
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Chuyên đề thực tập Nguyễn Thị Quỳnh
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CHƯƠNG II
TÌNH HÌNH HOẠT ĐỘNG KINH DOANH VÀ THỰC TRẠNG MỞ RỘNG
HUY ĐỘNG VỐN TỪ DÂN CƯ TẠI PHÒNG GIAO DỊCH ĐỊNH CÔNG
CHI NHÁNH NHNo&PTNT THĂNG LONG
2.1. Tổng quan về phòng giao dịch Định Công chi nhánh NHNo&PTNT Thăng
Long
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Trường Đại Học Kinh tế Quốc Dân Khoa ngân hàng tài chính

Chuyên đề thực tập Nguyễn Thị Quỳnh
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2.2. Đánh giá khái quát hoạt động kinh doanh của phòng giao dịch Định Công

NHNo&PTNT Thăng Long
2.2.1. Tình hình huy động vốn
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( Số liệu chép trong máy tính phòng giao dịch Định Công năm 2007-2009)
Trường Đại Học Kinh tế Quốc Dân Khoa ngân hàng tài chính
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Chuyên đề thực tập Nguyễn Thị Quỳnh
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5T5b895OFN89HI80mtFh8952788E=A0B=T45…;5O4896E52789v2ABC5KA0lAS2805Tm
A1AQC808902:;tEHb8A{tx28s8804An450C8051834C89D80E89Aƒ8980274ts8
2789v2A{S€0I8§J50189ˆ0š86EfU89p@t2:45C50w=52789v2tI28E=
92UHHI80bHJ†>I5zr5|>L8992UHJ5|>L895FG89l896R25@A>?92UHtE
Jm¦p6R28bHJ.bHJz>I5r5|>L8992UH5|>L89p6R28bHJ†
5FG89l896R25@A>?92UHtE.m†¦
2789v2S€0I8¨©J50189ˆbHJ†92UH80F89>T88bHJz5b89HI80
A<50etEbHJ†>I5z.5|>L8992UHr5|>L89p6R28bHJ.5FG89l896R2
5@A>?92UHmz¦bHJz>I5.m.5|>L895b89J.m.5|>L89p6R28bHJ†
5FG89l896R25@A>?5b89tEJ†JmJ¦
0F>x;0D85}A0N5Os850dA0˜A{52789v2S0a89S€0I8tE5b89HI8034CA1A
8bH5O89S0252789v2A{S€0I8tI292UHHI808{’4w5;015H?5;0n8tEQtx2p4w5
04=>?895O4896EQE20I8AC80F89A0FC>B>e5b89p•0w;Q–8>@26R2A1AQ_896@8
5O89878S2805Ts8AI80>{5Os850`5OFŠ89A{Ow580274>@250BAI805OC80p280tŠ2
AC80Ffw5>?89pU8m6E89m50`5OFŠ89A0l89S018‹040”5HI80A1A80E>n45Fm
>yAf2:5tE80„8980E>n45FFCHI02eHmA0w;80…8OB2OAC>2>a26R2p2s4th2
804…8
2.2.1.2. Cơ cấu nguồn vốn theo loại tiền
@804=>?89f‘89%: bHJ.>I5zrmJ5|>L89bHJ†>I5†5|
>L8992UH mJ5|>L89p6R28bHJ.5FG89l896R25@A>?92UHtErm†¦bH
Jz>I5r††5|>L895b89J.5|>L89p6R28bHJ†5FG89l896R25@A>?5b89
†mz¦6R28bHJ.tFh89527804=>?89f‘89%92UHQ52789v2ABC5KA0lA
5}8Q<895O898FRA9v25I289D80E8992UHbHJztFh896@804=>?895b89A0B
=T45…;5O4896E52789v2S0a89S€0I894L86@88E=5b895OFN89S0a89K8>`80m
Trường Đại Học Kinh tế Quốc Dân Khoa ngân hàng tài chính
.
Chuyên đề thực tập Nguyễn Thị Quỳnh
Nga
8{tE894L86@834C85Ok89A0B=T4ABC89D80E89A02TH5|5Ok89tR85O895K89
894L86@8

@804=>?89f‘8989I25:34=>K2:94L86@88E=A02TH5|5Ok8980›6E
S0a89K8>`80bHJ†>I5rJ5|>L895b89rmJ5|>L89p6R28bHJ.5FG89
l896R25@A>?5b89uum.¦bHJz>I5.5|>L895b89†r5|>L89p6R28bH
J†5FG89l896R25@A>?5b89umr¦bHJ†tx2p4w504=>?89f‘8989I25:
5b89Q–85R26@804=>?89f‘8989I25:5b89bHJz>L895OFh5921p6R2
A1A89I25:S01A89FŠ2QD8}5A{804An48“H92„tD40G8m50sH6E>{tx2p4w5
ABC34=>K2OC50dp¡S0a89ACf‘89tx2p4w5%8s8S01A00E89A0B=T45…;
5O4899v2f‘89%
2.2.1.3. Cơ cấu nguồn vốn theo thành phần kinh tế
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0C2894L834C85Ok896EA0B=T40d8050E808s8894L86@8ABC89D80E89m6EtE>@2
5Fh89S01A00E8950FŠ89’4=s8ABC89D80E89
2789v25KA0lAS2805Tm5KA0lA’x0?2: bHJ†>I5zJ5|>L8992UHz
5|>L89p6R28bHJ.5FG89l896R25@A>?92UHzm.¦bHJz>I5z5|
>L895b89J.5|>L89p6R28bHJ†5FG89l896R25@A>?5b89J†mu¦ 89D8
0E890b8989A1A894L86@88E=A1A5KA0lA9v2A0B=T4tE>e50C80518mA04=e8
S0U8m6E;0n8tR8tE9v2S0a89S€0I8>e;0<A6<ST0IA0A0252s4ABCHd80m80„89
894L86@8A04=s8Q•89HES01A00E8934U8t~O2s89c4C;0D85}A05C50w=894L8
6@88E=S0a89K8>`80mA02TH5|5Ok89tR85…;5O489NH?5p@S01A00E8934o8m8s8
A0˜An8A{H?5p•50C=>K280›NH?56E25KA0lAtEAƒ899D=OCp•f2T8>?89tR8A0
5K89894L86@8ABC89D80E89
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p6R28bHJ.5FG89l896R25@A>?5b89†m¦bHJz>I5J†u5|>L895b89
†5|>L89p6R28bHJ†5b895FG89l896R25@A>?5b89um.¦Fh8952789v2
8E=5b89tEQ89D80E89>x1;Q<890d8050lA52T5S2:Hf…A50C89A{8027452:8}A0
80F9v25278H?5tn8A{50eO”56@8m6E9@A80274tn8S02A{804AD450o5O_850189m
S01A00E89O”56@85I250Š2>2eH8E50d>FhA5}80tx2N50Š2>2eH>{‹%Š2p@89ABC
89FŠ2QD8AE89>FhA8D89AC8s8p@527880E8OŸ20kp¡>oH9v25I289D80E896d6…=
62:A5b89894L86@804=>?895PQD8AF5IK8>`80A0894L86@8S280QC80ABC
89D80E89tEH?562:AtEH0T5plAAn8502T5

Trường Đại Học Kinh tế Quốc Dân Khoa ngân hàng tài chính
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Chuyên đề thực tập Nguyễn Thị Quỳnh
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]Y0b8989
0ofU89f2e4>LC50w=8bHJ.5K89894L86@804=>?89>FhArJ5|
>L89bHJ†6@804=>?89tE.5|>L8992UHJ5|p6R28bHJ.bH
Jz6@804=>?89tE.Jr5|>a895b89rr5|>L89p6R28bHJ†c4C>{5C50w=
894L86@8ABC89D80E895b8992UH34CA1A8bHm894L86@804=>?89tE894L86@8
Trường Đại Học Kinh tế Quốc Dân Khoa ngân hàng tài chính
z
Chuyên đề thực tập Nguyễn Thị Quỳnh
Nga
S280QC80ABC89D80E89d6…=80„898bH34C89D80E89S0a8989P898D89AC
Aa8951A04=>?896@85IH50Š280E8OŸ25O89QD8AF6EA1A5KA0lAS2805T’x0?2
yAQ•6…=8{A{p•f2T8>?89S0a89K8>`80
bHJ†878S2805TA{80274f2T8>?89ˆ%L8992UH921m921Qn45b89ACm
50sH6E>{tE5O8992C2>I88E=50`5OFŠ89A0l89S018;0155O2e8f•898K92„C
8bHJu>x5040”5>FhAH?5S0@2tFh896@8tR8S0K89tL5PA1A80E>n45F5O896E
89E28FRA800FN89tR8>T8Aa8951A04=>?896@892UHJum¦p6R28bHJ.
bHJz89D80E89>xf2T5S0C2501A6EpvQ<896@8H?5A1A002:434Um5I>FhA4=
5}8>@26R2S01A00E89%D=Aƒ89tE8bHHE50`5OFŠ89A0l89S018f2T8>?8950b895OnH
5Os850`5OFŠ892:5CHmA0˜p@‡¢A{t”Ats8>T8>˜80>2eH.m.u>2eH89E=
JqqzEpC4>{>274A0˜8092UHQn8’4@89HlA9n8>2eHm50w5fI25O8950`5OFŠ89
A0l89S018>xA{8027489FŠ2O”5S0›250`5OFŠ89A0l89S0186E9v252786E89D80E89
4=>?896@8ABC89ž80E89>FhAHNO?89m5b89rr5|>L89p6R28bHJ†
JJJd800d80pvQ<896@8ABC89D80E89
U89  J  d80  0d80  pv  Q<89  6@8  5I2  ;0_89  92C  Q`A0  %`80  a89  A02  80180
]Y0b8989

 %G86`ˆ5|>L89
Năm
Chỉ tiêu
2007 2008 2009
Số tiền Tỷ trọng
(%)
Số tiền Tỷ trọng
(%)
Số tiền Tỷ trọng
(%)
K89QF8h5}8Q<89ˆ
9“80I8
O4896EQE20I8
J.
r
JJ

.
J†u
J†
JJ
u

.†
J.
zu
u
r

.J†

J.J
Jh’w4   J . r 
( Số liệu chộp trong máy tính phòng giao dịch Định Công năm 2007-2009)
K89QF8h5}8Q<89ˆbHJ.>I5>FhAJ.5|>L89bHJ†>I5J†5|>L89
92UHu5|>L89g92UHmJ¦jp6R28bHJ.bHJz>I5zu5|>L895b89Jr
5|>L89g5b89.umr¦jp6R28bHJ†
0o5d800d8050•A5T894=s880D8tEQ8bHJ†S0B890U89S2805T50T92R2m
S0a89A0˜O2s896R28FRA5Cm>l895OFRAp•fw5K8m502s85C2mQ`A0f:8089D80E89>x
50…85Ok890G85O89Aa8951AA06C=80‘H92UHfR580„89OB2OHE878S2805T
>oHtI206C=A0B=T4tE89“80I8m>T88bHJzQF8hAU89“80I8m5O4896EQE2
Trường Đại Học Kinh tế Quốc Dân Khoa ngân hàng tài chính
J
Chuyên đề thực tập Nguyễn Thị Quỳnh
Nga
0I8>745b890d86EfU89p@t2:48bHJ.A06C=89“80I8tEr5|>L89A02TH
5|5Ok89.m¦5K89QF8hbHJ†>I5JJ5|>L89A02TH5|5Ok89.†m¦5K89QF
8hbHJztE
u5|>L89A02TH5|5Ok89.Jm†¦mQF8h5}8Q<89A{’450TAC80F895b89S0a89
H?5A1A0LI5HE5P5P34CA1A8bH
F8h5}8Q<895O4896EQE20I8ˆbHJ.tEJJ5|>L89A02THJ†mu¦5K89
QF8hm8bHJ†tEu5|>L89A02THJm.¦5K89QF8hm8bHJztEr5|>L89
A02THJ.mJ¦5K89QF8h
h’w4ˆd800d808h’w4A{f2T8>?8934CA1A8bH80F896–85O895nHS2eH
p15bHJ.8h’w4tE5|>L89A02THm¦m8bHJ†A02TH5|5Ok89AC80w5
tE.m¦
gJ5|>L89jbHJz80ŠA{f2:8;01;8D89AC5}8Q<89>n45FA{A0k8tkAmA0˜
>n45F6E80„89Q•1850•Ap•A{02:434U‹6d6…=5|5Ok89>x92UH6E8h’w4tEmr
5|>L89A02THm¦5K89QF8h
JJ/T534U0I5>?89S280QC80ABC89D80E89
U89/T534U0I5>?89S280QC805I2;0_8992CQ`A0%`80a89A028018089D80E89

]Y0b8989
 %G86`ˆ5|>L89
Năm
Chỉ tiêu
2007 2008 2009
2008/2007 2009/2008
Số tiền Tỷ lệ
(%)
Số tiền Tỷ lệ
(%)
K8950480…; ru uz r †z r†  u†
04tx2 r. uu JJ zz † .u r†J
0489E2tx2   J†  .. Jr †
JK89A02;0} rz . zur ur u Ju .
Trường Đại Học Kinh tế Quốc Dân Khoa ngân hàng tài chính
J
Chuyên đề thực tập Nguyễn Thị Quỳnh
Nga
02tx2 . rJ r z Jz .†
0289E2tx2 uz † zr  urJ J uu
h2804…8 J rr †r .u uz  †r
(Số liệu chép trong máy tính phòng giao dịch Định Công năm 2007-2009)


K8950480…;ABC89D80E89A{’40FR895b89HI8034CA1A8bHbHJ.
tEru5|m8bHJ†tEumz5|>L895b89†mz5|>L89p6R28bHJ.5FG89l896R25@A
>?5b89r†¦m8bHJztEr5|>L895b89m5|>L89p6R28bHJ†5FG89l89
6R25@A>?5b89tEum†¦bHJ.504tx2rm.5|>L89A02THz.mu¦bHJ†>I5
umu5|>L895b89zmz5|>L89p6R28bHJ.5FG89l896R25@A>?5b89†m¦bH
Jz>I5JmJ5|>L895b89.mu5|>L895FG89l896R25@A>?5b89r†mJ¦p6R28bH

J†C50w=504tx26–8A02TH5|5Ok89tR834CA1A8bH6d5O890I5>?89S280
QC8089D80E896–8A0B=T4A06C=tEA0}80mA1AQ`A06<S01A80FfUtx80mS280
QC8089I25:A0FC;0155O2e80489E2tx28bHJ.>I5m5|>L89m8bHJ†
>I5m5|>L8992UH5|>L89p6R28bHJ.5FG89l896R25@A>?92UH ¦bH
Jz>I5Jm†5|>L895b89Jmr5|>L89p6R28bHJ†
K89A028bHJ†>I5.m5|>L895b89umr5|p6R28bHJ.5FG89l89
6R25@A>?5b89mu¦bHJz>I5zumr5|>L895b89Jum5|>L895FG89l896R2
5@A>?5b89.m¦p6R28bHJ†
O89>{ˆ02tx28bHJ†tErJm5|>L895b89p6R28bHJ.tErm5|>L89
5FG89l896R25@A>?5b89mz¦bHJz>I5 5|>L895b89Jmz5|>L895FG89
l896R25@A>?5b89.m†¦p6R28bHJ†mA0289E2tx2A02TH5|5Ok8980›0G8Ow5
802748bHJ†tE†m5|>L895b89m5|>L895FG89l896R25@A>?5b89urmJ¦
p6R28bHJ.bHJz>I5zmr5|>L895b89mJ5|5FG89l896R25@A>?5b89
umu¦p6R28bHJ†94=s880D8A0B=T4tE04=>?896@8A{S€0I88s85OUA0
tx2p4w5ACmHEtx2p4w504=>?895b898s8A02;0}5OUtx2Aƒ89;0U25b8950o
h2804…8S0a89K8>`80m8bHJ.tx2tEJm5|>L8980F898bHJ†tŸrmr5|
>L89m8bHJztx2†mr5|>L89m894=s880D8tEQ0I5>?89S280QC80A0B=T4ABC
89D80E89tE5}8Q<89m>D=tE894L8504>oHtI2th2804…8AC80F89>2SªH50o8{tE
OB2OAƒ89Ow5AC8T4S0a8934U8t~QF8h5}8Q<895@5
Trường Đại Học Kinh tế Quốc Dân Khoa ngân hàng tài chính
JJ
Chuyên đề thực tập Nguyễn Thị Quỳnh
Nga
2e4>LJd800d8004=>?896@86EA06C=5I2A0280180]Y0b89
89
Trường Đại Học Kinh tế Quốc Dân Khoa ngân hàng tài chính
J
Chuyên đề thực tập Nguyễn Thị Quỳnh
Nga
Ta thấy nguồn vốn huy động đã đáp ứng được nhu cầu cho vay của chi

nhánh nhưng số vốn chưa sử dụng hết còn nhiều, đặc biệt là năm 2009 có số vốn
huy động vượt quá tổng dư nợ vốn huy động là 725 tỷ đồng và dư nợ tín dụng là
496 tỷ đồng và còn nhiều lý do khác khiến cho ngân hàng sử dụng vốn chưa được
hiệu quả.
%e5O180tx89;0}894L880D8t•Am89E262:A0FN89tx2p4w5>2740_C6@8ABC
]Y2:5CHm89D80E89>xA0B>?895b89AFŠ89A1A0I5>?89S280
QC80S01A>L8950Š2HNO?895}8Q<89mA0B>?895dHS2THS01A00E896C=6@8
2.3. Thực trạng mở rộng huy động vốn từ dân cư tại phòng giao dịch Định Công
chi nhánh NHNo&PTNT Thăng Long
2.3.1. Về hình thức mở rộng huy động vốn từ dân cư
2.3.1.1. Huy động tiền gửi tiết kiệm không kỳ hạn từ dân cư
Trường Đại Học Kinh tế Quốc Dân Khoa ngân hàng tài chính
J
Chuyên đề thực tập Nguyễn Thị Quỳnh
Nga
U89U8904=>?8952789v252T5S2:HS0a89S€0I85PQD8AF5I2;0_8992CQ`A0
%`80a89A0280180]Y0b8989
 %G86`ˆ5|
>L89
Năm
Chỉ tiêu
2007 2008 2009 2008/2007 2009/2008
Số
tiền
Số
tiền
Số
tiền
Số
tiền

Tỷ lệ
(%)
Số
tiền
Tỷ lệ
(%)
K8952789v2QD8AF J .† J†u

r† † † u.
278  9v2  52T5  S2:H
S0a89S€0I8
. †   r. † 
( Số liệu chép trong máy tính phòng giao dịch Định Công năm 2007-2009)
c4CfU89A050w=ˆK8952789v2QD8AF8bHJ.tEJ5|>L89m8bHJ†
>I5.†5|5b89r†5|>L895FG89l896R25@A>?5b89†¦p6R28bHJ.m8bH
Jz>I5J†u5|5b89†5|>L895FG89l896R25@A>?5b89u.¦p6R28bHJ†
bHJ.04=>?895P52789v252T5S2:HS0a89S€0I8tEm.5|>L89m8bHJ†
>I5m†5|>L895b89m5|>L89p6R28bHJ.5FG89l896R25@A>?5b89r.m¦
bHJzS0a8904=>?89>FhA
2789v252T5S2:HS0a89S€0I8A{p@QFOw550w;6ES01A00E89S0a89’1A>`80
>FhAA0}80’1A50Š292C8Q•8952788s8>x9v26E89D80E89>e>UHfUC85E8A{
50eO”5OCfw5Alt”A8E50…HA0}p189S01A00E899v25278A0274;015p280804An4A02
5OU50C805180kA{50e>T889D80E89O”55278s8AI80>{>D=Aƒ89tE894L86@8A{
A02;0}04=>?8950w;80w55O89A1AtI252789v280F8989D80E89tI2S0a89A0B>?89
>FhA5O8962:AO”55278ABCS01A00E89mOB2O5O8962:A50C80518tEOw5tR88T4
89D80E89S0a89A{A02T8tFhAQ•5O„50}A00h;
2.3.1.2. Huy động tiền gửi tiết kiệm có kỳ hạn từ dân cư
Trường Đại Học Kinh tế Quốc Dân Khoa ngân hàng tài chính
Jr