Chất lượng cho vay ngắn hạn tại HDBank – Chi nhánh Hoàn Kiếm

Khóa luận tốt nghiệp GVHD: PGS.TS Nguyễn Thị Phương Liên
LỜI CẢM ƠN
 
!"#$ %&'()*+,-.%#./
0$12)3
4561 %7869#':($
,-.;*<&/3
=>+? @AB38BCD8E@ 415
':F06.#+G*<&0;+3
H? 4'(8.5=(/8 I(
9#J.EK$1*&8JLC'.M>
#,-.;%#./0$12)3
H? N&'($#O9$1PQN&*
LR#PS#*#T&#'!"+
M$96G*<&03
R;U? !5(V'+
,-O$1.;5&/0$12)3
SV: Nguyễn Thị Thúy Điệp Lớp: K45H6
1
Khóa luận tốt nghiệp GVHD: PGS.TS Nguyễn Thị Phương Liên
MỤC LỤC
SV: Nguyễn Thị Thúy Điệp Lớp: K45H6
2
Khóa luận tốt nghiệp GVHD: PGS.TS Nguyễn Thị Phương Liên
DANH MỤC BẢNG BIỂU
Biểu đồ 2.1. Sơ đồ bộ máy tổ chức HDBank – Chi nhánh Hoàn Kiếm
Bảng 2.2. Tình hình huy động vốn trong giai đoạn 2010 – 2012 của HDBank –
Chi nhánh Hoàn Kiếm
Bảng 2.3. Tình hình sử dụng vốn trong giai đoạn 2010 – 2012 của HDBank –
Chi nhánh Hoàn Kiếm
Bảng 2.4. Kết quả hoạt động kinh doanh của HDBank – Hoàn Kiếm

Bảng 2.5. Bảng theo dõi tình hình dư nợ của HDBank – Hoàn Kiếm trong giai
đoạn 2010 – 2012
Biểu đồ 2.6. Tình hình cho vay theo thời hạn cho vay
Bảng 2.7. Tốc độ tăng trưởng tín dụng ngắn hạn
Bảng 2.8. Nợ quá hạn ngắn hạn của HDBank Hoàn Kiếm
Bảng 2.9. Phân loại nợ của HDBank Hoàn Kiếm
Bảng 2.10. Nợ xấu ngắn hạn của HDBank Hoàn Kiếm
Bảng 2.11. Bảng tính thu lãi trong hoạt động cho vay của HDBank – Hoàn Kiếm
Bảng 2.12. Vòng quay vốn tín dụng ngắn hạn
SV: Nguyễn Thị Thúy Điệp Lớp: K45H6
W
Khóa luận tốt nghiệp GVHD: PGS.TS Nguyễn Thị Phương Liên
DANH MỤC TỪ VIẾT TẮT
S
TT
VIẾT TẮT NGHĨA

1
HMTD Hạn mức tín dụng

2
HSX Hộ sản xuất

3
NHNN Ngân hàng Nhà nước

4
NHTM Ngân hàng thương mại

5

NXB Nhà xuất bản

6
QHKH Quan hệ khách hàng

7
QHKH DN Quan hệ khách hàng cá nhân

8
SXKD Sản xuất kinh doanh

9
TMCP Thương mại cổ phần
1
0
TNHH Trách nhiệm hữu hạn
SV: Nguyễn Thị Thúy Điệp Lớp: K45H6
X
Khóa luận tốt nghiệp GVHD: PGS.TS Nguyễn Thị Phương Liên
PHẦN MỞ ĐẦU
1. Lý do lựa chọn đề tài
8.)*E.5$&<$$&(<
.1<$&..!%&./3=Y$;;$)*;$
?!1:U3C<&J%EMY($#.GT&#:&
+<<#O(/(O*?'O$5;T&
538.#CP8I$&O."(O%&./!
%EM;&E$3C<;&(0&&
Z#CP8IM9&!(T&[O.!$
%9$!$&38. !J:[$&(
O\./.!&3$0<G!$&.T&$&(.!%&

./;$CP8I]*#$&$;(3
RU$+;CP8I.PQN&*LR#PS
'<"O.(O*:&%9$!
$&(]&#*G3C5<'6#2
6$&$;#$:&+,^_.O?!3
81.;**<*`+&
PQN&*LR#PS$F>)#2$Y(O
;(3C$*%(O."`6<G!O
;$!)6*[.5&3=<.(?!
(Y/a#`.>:U'JM?b7$F&(
16%#(#.(?!($F\
./&.c%#(3=);%&*9dT&
.1$#*#+($)`T&3=G
*E$Mc$&J_.OE6.1E.5$!
)&!$&<$&(<.1T&PQN&*
LR#PS)26G##.G)$"3
SV: Nguyễn Thị Thúy Điệp Lớp: K45H6
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Khóa luận tốt nghiệp GVHD: PGS.TS Nguyễn Thị Phương Liên
f!#a7:.1.5&M0(PQN&*LR#
PS'%E/)g “Chất lượng cho vay ngắn hạn tại
HDBank – Chi nhánh Hoàn Kiếm” )*<&0;+T&3
2. Mục đích nghiên cứu
g8.1 _.h"$!)70$JM
.(!$&()?!#&!$&
((PQN&*KR#PS3
gP+;<&O;$!)70 $)$&
($!$&(T&CP8I3
=##M.(!$&(T&PQN&*KR#
PS38.1 _<.,.&"G$(.$+%7!

$&(i.&1:F"(.!
$&(PQN&*KR#PS.5&1
23
=&.&O;#$*E[G<J*G&!
$&(T&<PQN&*KR#P
S<.1a<&+%(O*:&T&3
3. Đối tượng và phạm vi nghiên cứu
R#1J##$#;_
!$&(T&CP8I3

)>*9&gS<&012(PQN&*KR#
PS3
)>5&gS<&00;+T&.&(
a`jklkLjklj3
4. Phương pháp nghiên cứu
S<&0b:[ #12 #:D
G<GG$)!$&((%&<#
SV: Nguyễn Thị Thúy Điệp Lớp: K45H6
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Khóa luận tốt nghiệp GVHD: PGS.TS Nguyễn Thị Phương Liên
 $)+$[($7'/3SU
$ #0$?b7:"+3
 
 @ #0:"+ !
nf#EF).&g[1$O:12M.(
!$&((PQN&*LR#PS3@).&
#;#*#$&)$5(:lj#
(#3;jk#jk*#G).&.
*ajloWojklWLWkoWojklW3
n40).&g@).&&Y#<$_

1%&$!)123
K R#<gR<p.5Y#(&3
qR#:!;.:&#gQ(&&
.&p#:&## #.55.5r#:!$#[
U$/3
qR:(0&gRb:[&2MG$)
2O.T._!J:[%&G*#3
K R_gR#*9<!.,p# #.5
*#<G.57/#.5c"7*
;&3
n@#$).&g@.&#.M*#
,*#GM+$+$&$;$(**#
.&$)3
n8c7*gC"7*T&*#r;*1c
"<<.57*;&3
nS0gQM&.1";+'?b7c_&.&
"*0 O$)!$&(T&PQN&*LR#
PS3
 @ #0:"+2!
SV: Nguyễn Thị Thúy Điệp Lớp: K45H6
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Khóa luận tốt nghiệp GVHD: PGS.TS Nguyễn Thị Phương Liên
Q"+2!0a)Y*#&&Yg
K N##J.&`jklkLjkljT&PQN&*LR#
PS3
K R#:"+0a##(J1.
UO;+*#3
  !
 @ #?b7:"+ !
B&*0:"+ !12c;+

?b7*#%#";";_!
$&<$$&(<.1(38a<&.&"
##!$&(T&PQN&*LR#PS3
 @ #?b7;+2!
B&*0:"+2!//Jc
9%&#d11%&M.(!$&G%&<&.&
0E$1Y(($)!$&(T&
#3Q"+2!0.W`6ajklkLjklj3
 "# $%&'()*&'*+
0:[# ##J;*1J*$
J*:&GJ##M.((O$&(
$!$&((PQN&*LR#PS.1 _#
;+2!'c3
Bb:[# #+;$# #JG#
#M.(%7(O$&(Y($"1
_!$&( _$+)?!#<
#&!$&(T&PQN&*LR#P
S.5&3
5. Kết cấu khóa luận
N;[JT&0$`Y<W g
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Khóa luận tốt nghiệp GVHD: PGS.TS Nguyễn Thị Phương Liên
Chương 1,#-!./01%2.345(
Chương 2(6$1%2.35782)9,
5%:;/
Chương 3<=&2%1%2.35782)9
,5%:;/
SV: Nguyễn Thị Thúy Điệp Lớp: K45H6
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Khóa luận tốt nghiệp GVHD: PGS.TS Nguyễn Thị Phương Liên
CHƯƠNG I: CƠ SỞ LÝ THUYẾT VỀ CHẤT LƯỢNG CHO VAY
NGẮN HẠN TẠI NHTM
1.1 Một số khái niệm cơ bản liên quan đến chất lượng cho vay ngắn hạn tại
NHTM
1.1.1. NHTM
C ('Y($#.G.``
)$M#.GT&*#3BM#.G+;CP8I'<
#O.!$%&./%#.#.GT&)*#
(*##.G(r&(&!)*
E.5CP8I]+$._"E
J*9G3
=Ev&$)CP8I_O;g
• wIxgCP8IO9*:&1!:E$[J
$(O.:E$[J3
• wy=OgCP8I _0#*)bG$&.63
• w@#gCP8I"?J+5?10T&9,:
2)b&2*#$/:U$+$[*!J
:[&:E$[J3
R#Ev&.1<#:D(*#&,)&
Y#>. &g
K 4Oc20)b$.#+.3
K Bb:[)bG$&*!$63
K 8M+#:E$[&#$#:E$[*#T&C
*#3
C"c2J:[<6TW>..1
CP8I3
C<<(gz45(:>%2)%2$%?609
'*@%">AB.:0 *%2.:1
C&:%0)/D&{3

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Khóa luận tốt nghiệp GVHD: PGS.TS Nguyễn Thị Phương Liên
1.1.2. Cho vay (tín dụng)
;ER$&&:E$)|)><&}"&1
$&|$#EJ*#}38.<1$&G
&1$&b:[.O5(!E&0
1$&<.#+.$9)*+$;;$'1$&*
(&#3F4G(HIJ(K7*FLMMMN*<%$O'&
:*48(;N
;LR$&%&+$&|}:M&.1 __$J
+"&1$&$1$&38<1$&G&O
$;)+|}G1$&b:[<5(3S(1$&<v&
$[.$;|}&6$'!3F4G<%$O&:*
"PD25:4>*48PD25:4>*QLMMRN
S#+WgR$&2!J:[<c2J:[
&*#b:[O*)Gb:[$[J$5&
!E&0$1<.;$'3|8.Jg%E
lmjsojkklo~=KCPCCWloljojkklT&8;;CC}3
H/*#+W*#+$&$<O$`:CPCC
%E3
1.1.3. Cho vay ngắn hạn
R$&("*$&<5(;&lj#:<
*$&5:UG#26$;(5[
$[&#<&.c$;O&&#(
 $[$[6(3
1.1.4. Chất lượng cho vay ngắn hạn
R<G<!T&O^&O:E$[)G
+_2O&'6T&*#$J$)>J
!38#<.*:&J:[!$&

G+_M&'6$&$;T&*#U$M#
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Khóa luận tốt nghiệp GVHD: PGS.TS Nguyễn Thị Phương Liên
.G*K?'OT&!Y5MY($#.GT&
3
8•*:&gzR!J:[O(.U#2O.T
..c$&T&Oc2J:[3R!J:[G
+_)d1<5&5%&g\+?!.1
c:\+$ !3{
=;$$&(|#*$&<5(:O`}
##<!;*$;$&b:[,[J(+
%.,($a&UJ$a&<0$a&
(+%*K?'O3
#Ev&$0&!!$&(
##.1&<OgCP8I*#)*3
• =;$CP8IgR!$&(G+_($2O(
J:[U$*`MM5JMT&
$J(.&.1E.5$1.,(
$<'3
• =;$*#gR!$&(##J!U
$[Jb:[T&*#$2'!7T[$& 
0,)*#$F1J
:3
• =;$)*gR!$&(##%&2[$[
?!$9<&<6%9`$+*&##
*`.)*,^%#.?!%;;%&+
"&`._J:[$`._*&0$OY%;3
1.2 Cho vay ngắn hạn và vai trò của cho vay ngắn hạn
1.2.1. Các hình thức cho vay ngắn hạn

• R`2$[Jb:[gR$&(&Y$&1:U$
$&*:&3
SV: Nguyễn Thị Thúy Điệp Lớp: K45H6
lj
Khóa luận tốt nghiệp GVHD: PGS.TS Nguyễn Thị Phương Liên
KR$&1:Ug+$&(T&€#2
61:UT&#&#15?1b&"&
b&&•
KR$&*:&gCr#:&+O?!*
:&$&(G#26$;*:&(T&/34v$M
*:&(T&*#&Yg
 qR$&9+$ (gA,*#.&.#
*J(OJ&. •
qR$&?:M(g8(2$;19.&
(9#9.?:M3
qR$&9+gC€Z.9:.&(.Y
%^3
qR$&#c2J:[
qR$&*#gN&Y#2*:&2*#•
• R`2$)$&gR$&(&$&(<
$$&(*9<3
KR$&(<g47:TO*$&
(€()*+.T.!
$;3R$&(<&#:(6;!
'€T&52&a$;$&3
KR$&(*9<gR$&(*9<
:M&.1J$JT&5$&2<G<.
 &$..3
• R`2$Y)$&gR$&(&Y$&€YO+
$$&€Y(+3

• R`2$ #$&gR$&(&$&
a6$&(2$*!!5<#3
• R`2$;b:[$;$&gR$&(&$&
.M$$&#3
SV: Nguyễn Thị Thúy Điệp Lớp: K45H6
lW
Khóa luận tốt nghiệp GVHD: PGS.TS Nguyễn Thị Phương Liên
KR$&.Mg8)$&#.M5$&3
KR$&#g8)$&#Oc2.&&<
&5$&3
• R`2$ 2&#gC5&&$&($&
(.O6$$&(.)63
1.2.2. Các phương thức tín dụng ngắn hạn của NHTM
8.(O$&(T&CP8I<) 2J
:[!g$&a6$&PI8Q*!!5
<#$&(2!$&PI8Q:M$&%&
+$[#$b:[‚J:[381&d)0
" 2J:[c9:[$&a6$&
PI8Q*!!5<#$$&!3
• R$&a6|$&a<}
@ 2$&a6 2$&Z6$&$;
5$&$c2J:[)T[$&$;6$*7*Y
J:[38a*$&OYJ:[$$O #b
:[$;[G3R`2$Y ?$&rJ*#$
*7*Y$&?#E%9$&5(5&.
'!$16)$&3
• R$&PI8Q
= 2$&$*#?#E&
0OPI8Q:..O*5&!E95
*9%#lj#3

S#$ 2$&a6. 2
r*9?#E*ƒ(a<)$&d*;PI8Q
<v&$O5G<:$&T&*#12;
&*<r*9#)$&*#3
SV: Nguyễn Thị Thúy Điệp Lớp: K45H6
lX
Khóa luận tốt nghiệp GVHD: PGS.TS Nguyễn Thị Phương Liên
• R*!!5<#
R*!!5<#+$[$&(.<*#
G%)_"#!5<#&(G
0O*)€2*!T&!5<#.a'!*!3
• R$&(2!
R$&(2!O2$&2.>+
<*#$2$&PI8Q$#*)*#.,.1
*]<J!#*1T&*#d*.1
*T&*#?!+:*)</*$&3
1.2.3. Đặc điểm của cho vay ngắn hạn
8J:[O2#.G&T&J:[3C< 
""!T&J:[.&<O;>G&g
ST$%'313Q*$&d!.5&
$$0JE_T&MO*9G5.T&)*
#*$&.$:(3C.&#*$&!
# $E?!*:&2*!#!5<#:M&
.1'r<*U. &$
$0.T.&5!3
JU#1134'!$&G*J5$&.
6b:[)(5T&5*#3RJ$.T.&(T&
*$&5*9&:<'!5$&.953
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$;$&53
(AG2*#VD2.'03;J:[
(5b:[GU"[.(
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#.T.Y5G`52(.&.1E.5J:[#
CP8I*9a#.G#2$&(T&3=)<
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.+$[!+$[*!•
1.2.4. Vai trò của cho vay ngắn hạn
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$#.G3R]#(J:[*#$&(<$&.M*ƒ
%&./3=>+.;+C&O.&(&
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• =;$)*
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CP8I38.*E.52*##c2J<
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JCP8I9 !Y$;.!)*3

• =;$:&+
R$&(Y$;c*E5#6$)$;
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?!*:&>#-*<*`(5$)J38.O;
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Khóa luận tốt nghiệp GVHD: PGS.TS Nguyễn Thị Phương Liên
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:&+3R#)*+.$&((#MO#:&
+*:&<+%3IO."1 $&<
.;F'&O5&!E3Q$0<G.,(
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• =;$
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1.3 Chất lượng cho vay ngắn hạn và các nhân tố ảnh hưởng
1.3.1. Các chỉ tiêu đánh giá chất lượng cho vay ngắn hạn
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Khóa luận tốt nghiệp GVHD: PGS.TS Nguyễn Thị Phương Liên
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Qd1##.!*<?#ET:M&$*+T&
5#OJ:[$5%7]#;%&+T&/$*#
1M*<!$&(5,7#d
1&JE3
 Đứng trên góc độ khách hàng
 R#d1EJ
K8T[$& &2(<.h.&*9†
K85&^EY T&:&†
K8#O[$[T&#O$1†
K8$!$) O*:&$!%7JZ.#-*<
*`T&*#†
 R#d1E
K4'!$&†
SV: Nguyễn Thị Thúy Điệp Lớp: K45H6
jk
Khóa luận tốt nghiệp GVHD: PGS.TS Nguyễn Thị Phương Liên
KRJ'†
Q$0*b:[#d1G##!$&(
T&62.1<OT&$*#G<#
*#%&6%&J"&$*#3=G!
J:[(&O#:+ 3
1.3.2. Các nhân tố ảnh hưởng đến chất lượng cho vay ngắn hạn
1.3.2.1. Nhân tố môi trường kinh doanh bên ngoài
4&\$A?\
• I9.5*
P(OJ:[<$J:[(<.1<+%&
)*cE3P(OJ:[(Oz&G$&{3
S)*#.GcE#:&+(O?!*

:&5*<6$)$;J:[T&:&+MM
cE$&3I>*#]<GO)Y
$;_.O(O$&[$[$+#.G*3
• I9.5#0
P+;#0r(.&9.5#7((O
BfSQ.G0$(+%3C$0G!$&
(T&#+;#0$)J:[<$J
:[(<.1&6T$YO3
BM&c.#T. J#T&C]
_#*J:[3C!$) !*#J#?!0
*^•N_<M&cOOr?#.O.BfSQ1[
^T&:&+> #*:&r*9U•C
*9*E5Gc:&+r*9BfSQ$*9G&
#:F%#(*<T&`13=)
_*9;!J:[T&3
• I9.5J.EL?'O
SV: Nguyễn Thị Thúy Điệp Lớp: K45H6
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Khóa luận tốt nghiệp GVHD: PGS.TS Nguyễn Thị Phương Liên
IO?'O6.F"!c$)J.E(O.&•
 1r*99.50(OT&F
:&+38<(O$&"&$:&+]r
E_3
• I9.5M1
I9.5M1<O_*9!J:[
T&<$J:[(<.1_$1&O
;!**#,&*9G:M#O#*"
1&'][(#(:E+•r?.&$2O
_+(T&,3895*1&?.&<
5+(.!#?!:E$[.&#O

?!:M*.;%&+J:["&$#*#
T&$;T&6$#:&+rJ)E
_$:F.T.!J:[3
4&\$A:
• =;T(.&
S:&.v$M)+v$M*:&.!(E
#O_.!);*J.E?'O7.);$`
<&•ZO;<M&;:U])#O.!&
<$(r9.5*:&3RJ$$0.*
:&#CP8I$a&(.&Ga_.O*#_.O
E6]*9G(.&€/#!!#0G9
J;TT&_$;T#CP8I*#E:F[
c"0%(5.!0J:Fc$-9J
CP8I:#O:)3
• S#
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Khóa luận tốt nghiệp GVHD: PGS.TS Nguyễn Thị Phương Liên
S#5.M0*$&T&:<.
#;_!$&(*9G*9
;*#3
K C`ME.5T&*#
C`ME.5T&:&+*`J2T&:&
+$E.5G+2O!0T&E.5;$^
T&:&+3C`ME.5T&:&+&66
.T.T&:&+;&!$&
(3
K C`MJT&*#
C`MJT&:&+G+_*;$;M<$\
./$;M<.cY$;T&:&+3~9$\./$;M

<&!`MJ(3=)*+J:[(
5%EO\+[G3Q$0`MJT&:&+
&*`#2#)*+J:[<6$$+
&!$&(3
K C`M%7T&*#
BM(.*:&[O$`M%7T&#
'(.:&+3IO:&+%7;r*:&
<+%$(3*&.&%E$&#OJ:[
??`M%7T&:&+3
1.3.2.2. Nhân tố môi trường bên trong
• RJ#J:[(
S9"d<!##v$M
;(O+%GY($#.G)6<O
U$M3Q$0<G!J#J:[(<
_!$&(T&3
R!$&(;&?!UO$J#J
:[&'(?:M&<,&*93
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Khóa luận tốt nghiệp GVHD: PGS.TS Nguyễn Thị Phương Liên
CJ#J:[((EU$Mr,
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