Định hướng phát triển hoạt động cho vay tiêu dùng có tài sản bảo đảm tại ngân hàng Việt Nam

BÁO CÁO THỰC TẬP GVHD: Ths LƯU THU QUANG

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C VIT NAM B O
I H H 

C TP TT NGHIP
ĐỀ TÀI
N HONG
CHO VAY N BO M TI
VIT NAM THNG
N THNH M LI, QUN 2,
N 2014 - 2017
SVTT : NGUYN TH 
LP : 
MSSV : 030127110232
GVHD: T
Tp. H   2014



BÁO CÁO THỰC TẬP GVHD: Ths LƯU THU QUANG

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NHN C THC TP

 c tc tp ca
 :
Xut sc
Tt

u
u
N C THC TP
BÁO CÁO THỰC TẬP GVHD: Ths LƯU THU QUANG

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DANH MC T VIT TT

T vit tt

NH TMCP
i c phn
TML
Thnh M Li
VPBank
t Nam Thng


 tin t Vit Nam
CP
C phiu.
TNHH
m hu hn
KHCN


n bm
CSKH


BÁO CÁO THỰC TẬP GVHD: Ths LƯU THU QUANG

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DANH MC BNG BIU
Bng 2.1.1: ng vnh M Li
n 2011-2013 6
Bng 2.1.2: nh M l
2011, 2012,
2013 7
              
 12

 1.2n tr   3
  2.5:   p v       n bo
m 11
 
    -
2013 12

BÁO CÁO THỰC TẬP GVHD: Ths LƯU THU QUANG

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LI M U
Trong thi k i mi Ch 
c c hi t ng quc 
t tin bi s
i nhiu mng loi ng tri nhu cu ca
 kh n cho tt
c u mua sm cm bc nhu cu mua sm c
n sn phn bm
nhm th t nhu cu cSn ph trin
mnh m trong thi gian qua, mang li nhiu ti
nhp i C phn.
i C phn Vit Nam Thnh M
L  so vi nhi   
n rn bm
m vt d
i s ch n dt ct
nh M lc nhiu kt qu kh quan.
u kin ct gi
m hiu bit cao c n sn ph
n bm u qu  h n. Xu m
i mong mun hiu bi thc trn
a sn phn bm ti t
Nam Thnh M Li. T 
trin ho       n b m t   t nam
Thchun Thnh M Li, qun 2014-

2017c tt thc tp tt nghi


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MC LC
Danh mc t vit tt
Danh mc bng bi
M u
 GII THIU TNG QUAN V I
C PHN VIT NAM THNG. 1
1.1 Gii thiu tng quan v i c phn Vit Nam Thnh
ng 9
1.1.1 Lch s n. 9
1.1.2  chc: 10
1.2 Gii thiu v nh M Li, Qun 2. 10
1.2.1 Lch s n. 10
1.2.2 n tr   11
1.2.3 M 12
1.2.4 m v  vt cht b. 12
 5
 THC TRNG HO      
N BM TNH M LI. 6
2.1 ng kinh doanh cnh M li. 6
2.2 n ph 16
2.2.1 a ch 8
2.2.2  8
2.2.3 Cho vay du hc. 9
2.2.4  9

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2.3 n bm. 17
2.3.1  17
2.3.2  hn ch. 10
2.4 u bm trong hong cho vay ca
NHTM 18
2.5 p v n bm. 19
2.6 m bo.
20
2.7 u t n hom
bo tnh M Li. 22
2.7.1 u t  22
2.7.2 u t ni b. 26
2.8 m mm yc cho hong cho
n bnh M Li. 29
2.8.1 m mnh (Strengths) 29
2.8.2 m yu (Weaknesses). 29
2.8.3 i (Opputinities) 30
2.8.4 c (Threats). 30
 23
  XUT MT S GI     U
QU HOM BO TI PGD
TML 31
3.1 Gi  ng ho   
 31
3.1.1 i v 31
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3.1.2 i vng. 32
 25





















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 GII THIU TNG QUAN V I C
PHN VIT NAM THNG.
1.1 Gii thiu tng quan v    i c phn Vit Nam Thnh

ng.
1.1.1 Lch s n.
            

.
.
.
.
Slogan: 






           


 

             
               
BÁO CÁO THỰC TẬP GVHD: Ths LƯU THU QUANG

SVTH: NGUYỄN THỊ DUYÊN – 030127110232 Trang 10 / 33
 





            

                  


               ,
                 
             

1.1.2  chc:
       t Nam Th   i s.
i nghip v, Hi s qu    mi bao g
Giao dch, ch trong c c.
1.2 Gii thiu v  Thnh M Li, Qun 2.
1.2.1 Lch s n.
 Thnh M Lch Thnh M Li  trc
thuc VPBank   H        
ti 638-640 Nguyn Th ng Thnh M Li, Qun 2, TPHCM.
BÁO CÁO THỰC TẬP GVHD: Ths LƯU THU QUANG

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     ch Thnh M L   c tr 
 Thnh M li hoc lp, chu s a hi s.
n,  Thnh M Ln chim
ch v ch
v t c ng li ca
 Thnh M Ln tng vng cht tri
lai.
1.2.2 n tr  
 n tr  .

Hu h  t sc
nhim v  t i hc tr 
 n tr kinh doanh.
 Nhim v c
c: kic, x ng c
cm bo c  hong hiu qu c cho s 
trin cc tip tin.
P. c
P. c
P. Quan h KHCN
P. Giao d
Ki
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m  H tr c trong mt s nghip v
ng ca b phn giao d
   KHCN:     n dch v    
phc v n thng, thc hin thnh v xut
c      o, ki   ng d   c hi 
 hng.
 Thc hip v  vi

 n, thu chi, chuyn khon, gi

1.2.3 M
M    t sc nhim v    i nhu   
VPBank,  Thnh M Li tng
dch v         . V    
nghing thon, gii nghip v Tt c o
 t ca Chi u ca VPBank.
HoNhn tin gi bi t
vay phc v sn xu      ch v   n tin;
Chuyn tii ngoi tdch v th quc t  ni
ch v 
1.2.4 m v  vt cht b.
  Thnh M Li ta lc ti s 638-640 Nguyn Th  ng
Thnh M Li, Qun 2, TPHCM. Vi kt cu 2 tng, s dng lu c
c 
dng c 
Nhm to cn nhChi
 Thnh M Lc b p lp m  gh 

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c v c u           
i giao dch t
 m bng ca  Thnh M Li din ra thun l
c trang b c v dng c 
t n
c trang b 1 t lnh phc v nhu cu c
I

ng quan v t Nam Th
t Nam Thn Thnh M Lc
m n b ng kinh d
vt cht b c n ra m quan trng trong vic
t gi phn gia Hi s i hiu qu hong
 phch v cung ng.








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 THC TRNG HO       
SN BM TI  THNH M LI.
2.1 ng kinh doanh ca  Thnh M li.
Bng va  Thnh M
Ln 2011-2013.
  ng

HUY

CHO VAY


CHO

VAY

CHO
VAY/HUY



TRUNG



2011
95,946
8,086
24,662
7,681
40,429
42.14%
2012
76,757
14,533
45,324
6,203
66,060
86.06%
2013
81,554
8,690
54,866
16,330

79,886
97.95%
(Ngung VPBank 2011-2013)
 c 76,757 t ng, gim 20% so
vng gi c
66,060 t  c. Chim t tr cho
vay trung hn, chim 68,61% tc trng nhu cu
mua st dng s
a  p nhi
n kinh t  ng
kinh t Vit Nam c  t ng
thp nht k t ng trc tip tng vn c
ng gi do mt c
v
c cm ngun v ng.
BÁO CÁO THỰC TẬP GVHD: Ths LƯU THU QUANG

SVTH: NGUYỄN THỊ DUYÊN – 030127110232 Trang 15 / 33
 c 81,554 t
 gic 79,886 t 
ng vc ci thing vnh
bng my m
m tin vi  tr ng vn. D n cho vay trung
hn vn chim t trng cao nhi k hn ( ngn ), chim
68,68% t. Ta nhn th ca  
cho thu qu cdng ca  y trin vng trong
 quan.
B      a   Thnh M li trong 3

  ng


DOANH THU


2011
22,178
20,437
1,740
2012
23,287
21,285
2,002
2013
29,109
27,047
2,062




  




BÁO CÁO THỰC TẬP GVHD: Ths LƯU THU QUANG

SVTH: NGUYỄN THỊ DUYÊN – 030127110232 Trang 16 / 33




 

2.2 n ph
2.2.1 a cha 
   khu

 ng khoc
quy ho ng, sa ch
 u kiu kin v nh c
n tr n chc cht phn v
n bm.
 c cho vay: tng ln hoc cho vay tr 
 t c nh hoc th n ng.
 Mc cho vay: theo nhu cu thc tc
d a cha; Hoc t 
2.2.2 
 
 ng kho  chic xe, th hin
p v 

 u kiu kin tr n chc
chn bng hp bm b v
phi 100%).
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 Thi h n, ngu hoch tr n
c
 c cho vay: cho vay tr 

 t: c nh hoc th ni theo th ng.
 M v xe mi,
nu bm bn h mua xe.
2.2.3 Cho vay du hc.
 
hc hoc s hoch du h
 ng kho sung h ng vn du
hc
tp.
 u kin khou kii
vay ph khn tr n chc chn,
ng sn, giy t c chp thu
 Mc cho vay: theo nhu c  n ca ni
 n th chp, hoc 10 y t 
 Thi hn cho vay theo thi gian du h
sut c c th ni vi thi h
2.2.4 
 lon ph
ng nhu cng c 
c v sinh ho lu kin v khon vay,
mc cho vay, thi hc tr n nh ca VPBank.
2.3 n bm.
2.3.1 
-  n li, kh ng cao.
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- Chng t       c do NHNN ho 
NHTMCP thuc danh mc VPBank chp nh
- i 2 t ng, s d

c CBNV c d kinh doanh to thu nhp.
2.3.2  hn ch.
- TS b i quan h rut
tht v
-  qu
- n, th ch
- Quy 
- t bn vn tng.
- Bng s t li, thanh kho
2.4      u b m trong ho ng cho vay ca
NHTM.
t t chc trung gian thc hip v nhn tin gi, cho
 kim li nhun dt
cng. Mt phn tin g d tr bt buc, ph
l cc phi c
dng hiu qu ng mt vn hay n xu, n phi
cung ct bng chng chc chn v kh  n nh
ng bi th ng hay kt qu kinh doanh ct trong nh
 b ti d
n s dc thu hi n 
cu cn thing.

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2.5 p v n bm.
  P V    
SN BM

 Nh i  Hi
c 1 : Tip h n.

c 2 : Tip nhn h n.

    c
hi      p t

c 3 : Th
c 4: Tp hp h 
t.

ng hng th chp/ b

t
h  
d   
h .

c 6: Thc hin gi

c 7 : Kim   vay.

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c ca  r ngi 
c t l n xu, n ng d
 y ra sai lc. Ti  
   c tp,             u
ng hc vi ch i rt
mu phi hp c phc s
tc bi phi hp cng trc ti 
 tr  phi hp c
d .
2.6 m bo.
  2012,  Thnh M L
   hin  s 
ng v s ng ca hoi  
t 66,090 t


 



  







BÁO CÁO THỰC TẬP GVHD: Ths LƯU THU QUANG

SVTH: NGUYỄN THỊ DUYÊN – 030127110232 Trang 21 / 33



NG

T


T
TRNG


TRUNG
HN


2011

95,946
2,718
12,856
3,121
18,695
19.48%
2012
76,757
6,759
31,742
7,762
46,263
60.27%
2013
81,554
8,690
32,920
6,321
47,932
58.77%

Chi
 -2013.






2011

14.53%
68.76%
16.71%
2012
14.61%
68.61%
16.78%
2013
18.13%
68.68%
13.19%
(Nguồn: sao kê tín dụng VPBank 2011-2013)




BÁO CÁO THỰC TẬP GVHD: Ths LƯU THU QUANG

SVTH: NGUYỄN THỊ DUYÊN – 030127110232 Trang 22 / 33
              Chi
 -2013.


2.7 u t n hom bo
ti  Thnh M Li.
2.7.1 u t 
- Chng dch v ng tc cho vay, thi gian
gin

0.00%
20.00%
40.00%
60.00%
80.00%
100.00%
2011
2012
2013
14.53%
14.61%
18.13%
68.76%
68.61%
68.68%
16.71%
16.78%
13.19%
Dài hạn
Trung hạn
Ngắn hạn
BÁO CÁO THỰC TẬP GVHD: Ths LƯU THU QUANG

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- Khong ng dch v:

Khoảng cách 1: Xut hi t gia k vng c
dch v s nhn thc c nhng k v

Khoảng cách 2: Khoc hic
ng dch v.
Khoảng cách 3: Xut hin giao dch v
nh.
Khoảng cách 4: a cht ng dch v thc t  k
vng cng cng
p th.
Khoảng cách 5: Sau khi s dng dch v        t
ng dch v  cm nhc vi chng dch v  vu.
ng tt k vu c
mung cung cp dch v cng thi
 qun trn lin v cp
dch v.
BÁO CÁO THỰC TẬP GVHD: Ths LƯU THU QUANG

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- .




      


              

     



 


- 










BÁO CÁO THỰC TẬP GVHD: Ths LƯU THU QUANG

SVTH: NGUYỄN THỊ DUYÊN – 030127110232 Trang 25 / 33
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

 Sacombank

gi tt: sacombank
Vì cộng đồng – phát triển địa phương”
 BIDV
n Vit Nam.
i tt: BIDV
hia sẻ cơ hội - hợp tác thành công”

 ACB
y 
i tt: ACB
Slogan: “Ngân hàng của mọi nhà”
n th
  li
mt s i th cnh tranh ch ych gn khu vc Chi
 Thnh M L ng cho vay
ng c
cng Nguyn Th  c la
chp cch vi mt v
 