Cho vay doanh nghiệp tại Ngân hàng thương mại cổ phần Ngoại thương Việt Nam – Chi nhánh Hoàn Kiếm

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LỜI CẢM ƠN
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MỤC LỤC
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DANH MỤC SƠ ĐỒ
STT Tên sơ đồ Trang
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DANH MỤC TỪ VIẾT TẮT
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n a a?I
q  !
‹ M "7>:I
• Z E%4:
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f• ‚a ‚5.\[
f^ ‚ ‚:)
f_ ZM 54575%
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f•  #,
PHẦN MỞ ĐẦU
G. Q!AB5]^__

1. Lý do lựa chọn đề tài
C4Q5#@<7X•"+7;+PC9:*G
+GC?7'@4*7><%-79G*.#[!)
CX‰X+)4!)!C?7XT.#[)"7>3%1<
C7G<).A7O46C/7*"7>+@I!<
4…7@."7>%+9•.[ +A.,,%‰
?RC#…I‰49+P+.I<+@I!.A.%>"
7>!+‰*.#[3E%4:*%C•R%C…."7@<
IQ+@+I#[+@I!3)7FR%"@:*
D5•[:)#•I.%:5RD@+2+QT!
7•@.F!!+RC3CI‰?%+7G<Ž.[KT
@7…%;#."GK#,RD)R%1+ @<+T79
T.#[+@I!7X75%45I‰+"C.[
 @.,77#[Z*%D%
7'
SP+T79?C?<E%7FD@*7B./79HCho vay doanh nghiệp
tại Ngân hàng thương mại cổ phần Ngoại Thương Việt Nam – Chi nhánh Hoàn
KiếmJ7<?;+9T.#["7>@3E%4:*%
+.%79:G. Q!%1
2. Mục đích nghiên cứu
QG.\. +9T.#[+@I!3Na%C•
C"T.#[+@I!"E%4:*%S7G7#C5
!)!Œ%T.#[+@I!")
3. Đối tượng, phạm vi nghiên cứu
 MQ#["7>+@I!"E%4:()*%

G. Q!AB5]^__

 "%+M9 !C?;<1%X$….\. <C"T.#[
+@I!"E%4:*%C•R%€ƒfƒ€ƒf€
4. Phương pháp nghiên cứu
Z?"P!#$!)!C@9Q#Q:?<%A5<)+!
<79LI‰!#$!)! !+!IP.;T!S9:?
A7X7"7#[%‰??;
5. Kết cấu khóa luận
.5%$<%‰.‰<I%‰45<I%‰4X7•<I%‰$7•<
I%‰S+*U<I%‰.%:5<!‰.‰<+:*. <>I
3:G. 7#[:*T.%•#$
Chương 1: Những lý luận cơ bản về chất lượng cho vay doanh nghiệp tại ngân hàng
thương mại
Chương 2: Thực trạng chất lượng cho vay doanh nghiệp tại Vietcombank Hoàn Kiếm
Chương 3: Các giải pháp nâng cao chất lượng cho vay doanh nghiệp tại Vietcombank
Hoàn Kiếm
CHƯƠNG I: NHỮNG LÝ LUẬN CƠ BẢN VỀ CHẤT LƯỢNG
CHO VAY DOANH NGHIỆP TẠI NGÂN HÀNG THƯƠNG MẠI
1.1. Lý luận về hoạt động cho vay doanh nghiệp của ngân hàng thương mại
G. Q!AB5]^__

1.1.1. Khái niệm cho vay doanh nghiệp của NHTM
ED@*7BQfn€q‘€ƒƒf‘‚M3Q7Q+9+4
‚@*+@3&;I‰7Q+,<+@.%>1;T!
I‰<E7G&;I‰LI‰%>:597XLI‰+
%‰7+T7BE0 +,@?UGC55Q+
.F
Cho vay doanh nghiệp là một hình thức cho vay của NHTM mà đối tượng được
vay vốn là doanh nghiệpE:5f79^a I!@€•‘ff‘€ƒƒ_+

:5f79€B7Bf••‘€ƒƒq‘M@ƒ_‘ƒ•‘€ƒƒq#,IY*
%>Q793a I!H!.&;:*G?
C?<G5<GC‰…IB&7B<7#[7R:\:IED@7B
3!)!. Œ%%‰7)"7>:I!4
•%A@C)%P"<A@&!'<A@[!I+I!
#<4•%5A@C)%P"<A@&!'7#[@X7&S
I!fƒƒ’+Q#,<I!3&;M5+3)&;
CB(KF><I!.?I<I!fƒƒ’+Q#,J
1.1.2. Đặc trưng của cho vay doanh nghiệp
 ‚@%A%-:5+@.,
)I!#+@+Q7X7'#5*OT!$…+ T<
C4B<%)@%G7X5KT@7'#I)%,+!C5P"7>
@:).,<+Q“G3'*)I!.":A9?'+@
+QP"7>@.CT.,MX4U:B!+,> !39
:*=#7)!;':)<)I!.A.A!57&
%,<7'#PI)<5!”%%,7XR;"CC?BC#7G<
G. Q!AB5]^__

'+@+QC…'3)I!<+1+ @&
D@%A+@I!.CT.,
 !%>:5+@I!.:A9+,)CB:5+@
M9@.ID@%A%-:5+@I!#.,<Q.#[)%G
+@:AD)9 ! )AI!=GX
G<7'@73+K)%:A%T9#+@)
+ @<D)C1+@S.6*! •$<”%7B:)<57*
.6[<•4,7#[%>Q:5!!‰C>
 a[ +9S"7>+@I!CT.,
,D@%A:5+@.,<:–"+@#$7QI<"7>+@I
!%+9P:5.[ CT.,1+ @<+@I
!.A.%>"7>7#[)7O46C/

 d#…C*!,@3N
M@.%>7OC#„G…+@I!N>N*GD
I‰Q+,9:)I!.,<G@1?&37G•
7#[!3GC>CF<@37#[.?<+*I@C1QP%Q
D7G<@•:A'37>". !%QDI‰+,)
:)<%)•37>79 !+T79@+,M@.%>.[*<
#=CTI—C…?4T.[+,:„':AI@C17#[%>C
P%QDI‰7G<O:7G.%R!)5< 1"
3:A„+994"%@3+,)=•5%6C'%
C/
 ‡3CI‰.,
):5+@I!799%”C3CI‰.,M9@KT
!)SCT9@?+9!I!<C3CS7"7;:I<
R.:I<:53I):I<++<+9!<C3
G. Q!AB5]^__

C@KT!)SC17><:%+7"7;3)4>I‰<D@C1
”%7B<D@C1•[<++
1.1.3. Quy trình cho vay doanh nghiệp của NHTM
‚@C1+@4•%97"%T.?<G
DO•+U4G+,<7#[E%>C1q4#,
Z#,f#,IY. !•$K+@
Z#,€*! <!+”%7B•$
Z#,•‚@*7B+:\[!7•I‰
Z#,^5
Z#,_X%C)%)9+@
Z#,n[Q+.F<KL.\P!)
Z#,q.\[!7•+@
'*)N79*:*%1D@C1+@‰X<4•%9
4#,7:)<D@C1+@I!=Œ%CD@C1+@

3+79AD)4#,#$7•
Hình 1.1. Quy trình cho vay doanh nghiệp của NHTM
G. Q!AB5]^__

G. Q!AB5]^__

1.2. Cơ sở lý luận về chất lượng cho vay doanh nghiệp của NHTM
a\. +9T.#[+@I!3N7#[K@IR;
+.\. +9+@I!3N7FC14@…C?4•%4>
I:)%+9T.#[+@I!3N<%>Q„?
7))+)Q5#…7*T.#[+@I!3N
1.2.1. Khái niệm chất lượng cho vay doanh nghiệp của NHTM
HT.#[J.%>:)%7#[LI‰CT!&4*<+ @T.#[.1˜
X%>):)D)<HT.#[.:5R3 ![!)7O3%>5
!”%<Q@D)C17X7)!;)@?'3:)+)4?G
.?DJEI5c•ƒƒƒ€ƒƒƒ3&;‚Q*+9?”)
cy
N>:5+@GT.#[.%>:5+@%%>"
+@T7B7F7#[5 C[!7•+@<•7#[5
Q+.FS:)+@+Q<D7GG !+75%457#[
C"7>ED@7B3!)!. 
Chất lượng cho vay doanh nghiệp của NHTM là thuật ngữ chỉ mức độ an toàn và
khả năng tạo ra lợi nhuận của hoạt động cho vay doanh nghiệp mà NHTM thực hiện
T.#[+@I!7#[7))AD+•[3N
7Q+,)I!*N•[QD7G%;7>3
+@I!7#[75%45+G7#[ !.,1797GG
V.T.#[+@I!3N.Q<+#[."<*
•[#%;7>3+@I!:A7#[75%45
+:AG !OGCT1;.T.#[+@I
!3N.:AQ

G. Q!AB5]^__

)N.AGK#,RD@%A+@I!D)R%
D@%A+@I!R.?1T.#[+@I!3
N=@7&+1+ @<)#K@I.?%>Q
)„?!5)T.#[+@I!7XS7G7))T.#[
+@I!3%1+7#C)4!)!5D@*:B!
1.2.2. Các chỉ tiêu đánh giá chất lượng cho vay doanh nghiệp của NHTM
S:)%T.#[+@I!3N7#[?C…C?<%>
Q„?!5)T.#[+@I!3N'7#[KE%K™
4•%
 #[+@+Ž.RC#…I#[
#[+@.Q9%72I!+@+
7X%Q:–4))šR%›#[+@T!7))T.#[+@3
NT!<:AG:5R%…C>"7>+@@?<I#
[+@#U7F!5)T.#[+@+1G2!‰>+
7Q•+Q@7>7#[37G
 Ž..
C7G<.[ '..[ S"7>+@I!%
+9C:–4))šR%›a[ 'XCŒT
.#[3"7>+@I!.Q<!40C7X7#[%>
7•.[ 3N.T!Ž...„?!™!K)7B
K)T.#[+@I!3N„?@1T.#[
+@I!3NQ+#[."
G. Q!AB5]^__
Ž..œ
a[ '
Q+@

 [KT+Ž.[KT

     E5‹<M9•<A#Qƒ€‘€ƒf•‘4@
€f‘f‘€ƒf•<H[KT.[>)G%•<^+_JE:5•<M9•3
A#@<HŽ.[KT.Ž.P[KT+,&[SG%f7*G%_J
 Ž.[KT.„?7)):)QT.#[+@I!3
N„?@4*:5R%T+Q3.4?C&
Q+Q%7I!+@*„?@1:5
R%T+Q3.,++1*T.#[+@I!3
T!+#[."
 2D@+Q+@
C7G<IQ[.Q9%7F7#[SI!
C:–4))šR%›#[41D.C41>3I#[+@I
!7':–+I#[+@I!Q:–2D@+Q+@.„
?7.#Q7>.@X+Q+@I!3<4*
•[37Q+,):5+@3I!.
@ %*+2D@+Q1•[U<
•GX7)!;:B!+@9'+@+Q3I!
 G%."<G9„?DC/:7))T.#[+@I
!3%>N-„?7#C%>:"7X K™<7))+
G. Q!AB5]^__
Ž.[KTœ
[KT
#[+@
2D@+Q+@œ
Q[
#[41D

)„?@79G%Q.?:).+,7G<:7))T.#[
+@I!<!5IC?&X)„?C?7XG:*. 
K)T
1.2.3. Các nhân tố ảnh hưởng đến chất lượng cho vay doanh nghiệp

T.#[+@I!3N.AB)7>39
QGX)Q5#…,T.#[+@I!3N
."Q3D+Q:)D
f€•f)Q3D
Q3D.PQKT!)S!<Œ%C:X%
)3+@5#…C*!7*T.#[+@I!
3)Q3D4•%
f€•ff)+@3
"7>+@3%-N79R;S)+@3
)+@GX##$.VC[3N<4•%)
D7X%<3C#$<7B#,<D@7B„7""7>+@3N
>I$453)+@4•%):)<)
D@%A+,"+@<.FT+!T+@<"+@+:1"
[<):575%45<)7Q+,)5G+T79)+@
"QTC"7>+@<"7##,<„IY)4>
I‰7G<%>)+@TD)+[!.\<;+,%AC#
:I<![!+,7O7X%3N•G!!'T.#[
+@G+T.#[+@I!GC?
f€•f€‚@C1+@3
G. Q!AB5]^__

‚@C1+@&[!%A5)4#,7‰XS:*! '+@
+Q3:)7*:CD@*7B+@<5+
.\[!7•*. !+:ASD@C1+@G\VCT
DC/7Q+,"7>+@39%OD5CB<D@C1
+@%>%O.%$…+!7BC)%<D@9"3S4>! 
.?D+„C•%Q.?P)4>! .?D7GC"7>+@<
%O:).%$…+*. !)•$+3‰+@+Q+9%O
7G<%>D@C1+@[!.\<O•+'+,A.DQ*•G!!'
T.#[+@G+T.#[+@I!GC?

f€•f•T.#[”%7B+@3
”%7B+@.%>:CTDC/CD@C1+@3
N‰73”%7B+@.7))%>)K)+C
:5RC5[3:)7X.%R;CD@*7B+@+ @<T
.#[”%7B+@G5#…CT.,7*%;7>K)3D@*7B
+@N>GT.#[”%7B+@Q•7#C7#[P
D@*7B+@K)+"979%>:5+@GT.#[Q
f€•f^C17>@?%A<:%+7"7;9!3)4>
I‰
C17><:%+7"7;9!3)4>I‰G5#…
CT.,,T.#[+@I!37@7#[.%>
Q:1DC/a\I.)4>I‰%+T5):3D@
C1+@S:#,IY:). !•$+@+Q<!C#,:
+@7*:D@*7B+@<5+)%)+1+ @<*)4>
I‰GC17>@?%A+P+<X4*C>+G7"7;9!
G. Q!AB5]^__

Q1•7#C7#[D@*7B+@K)<"979%>:5+@
GT.#[Q+#[."
f€•f_QAI‰
C"7>+@G+"7>+@I!GC?<
7X7#CD@*7B+@K)<)4>I‰:AX„I+)
AI:)+@+QT!%2'!5U%4U<KL.\)A
+9%/+T79.?D7*:)<!#$)‘I)+@+Q3:)
S9•:)+1+ @<*QAI‰GD5
;.G7#[)A+9%/+T79.?D7*:)<I
)‘!#$)+@+Q3:)<K)+:B!4
?1T.#[+@•7#[4T@?
f€•€Q:)D
Q:)D.PQŒ%D5.\3#

."5#…C*!O)*!7*T.#[+@3NP
Q@KT!)S%AC#:I3+S!:))
I!
f€•€fNAC#:I3N
 NAC#:*
N/"7>:I79B!Q3)):*+V%A
3#,<)D@. '<)4*7>+V%A3BC#Z5
.%>3X"7>:IC9:*•B5#…CT.,S
%AC#:*C?$…11:*+,P3C#$<)
!)CX3M5+#,1)N•R;+)„?@7XK)
7B$TI‰3%1%>)GD5T
G. Q!AB5]^__

 NAC#!)!.\
NAC#!)!.\.%>Q+R45!)!D@.?D7*4>)
"7>3G+"7>+@GC?%>Q!)!
. 7•4><![!1•"C7#[%>."7>3)
N<:A„"79:)NK@I)I‰<$T
+@%>)[!.\C:7G<%>Q!)!.\•™<:A7•
4>1•@CP:G:RC+)[!7•I‰+
•5#…7*:5R+@7Q+,)!':*
f€•€€!
 i@3I!C?BC#
 i@3I!7#[XAD)%QDPI
!+,)4"<D)I‰+,)&;I‰:)
*GN>I!G@•.AQU1%%/)7XC5[
76"@5:/O!:G:RI)7>3)@*Q4?<I
7G<*!'.,:)3.PI!G@1%;
7>C"7>+@3•.A7#[75%45<++1*T
.#[+@I!7#[#[."<PI!37B

.S75OQ1:AC5[+,+/GXD•[@
LI‰+Q+@.I•@C&TCT.,+)7>KT7*
T.#[+@3
 R.+R."7>3I!
R.+R."7>3I!G5#…CT.,
7*T.#[+@3NE7G<*I!GR.
+R."7>Q1:5R•[3.CT+79@
.%T.#[+@I!3N7#[.?<#[."<*
I!GR.+R."7>:™%1:5R•[
3C…?CT%%++1*T.#[+@I!3
G. Q!AB5]^__

N=4B5%KQ7G<C#,:D@*7B+@<!5”%
7B11I!%>)” +:V.#8C?$…
))„?#G%„?+9:5R)<G%„?+9
$T<ŽQ:5RC5.F+@<G%„?+9R."7>
+G%„?+9:5R.ž7XT@7#[R.+R."
7>3I!=#:5RC5[3:)CD):;+
"
 #$)5KT:IOI)7'#3I!
#$)5KT:IOI)7'#3I!.Q
:)D5#…7*T.#[+@I!3N+1:5
+D53!#$):IOI)7'#5#…,.[ 
3I!C#$.ž.[ 3I!C#$.."5
#…7*:5RC5[3I!7Q+,<+I7G5#…
,:5R•+Q3=#T.#[+@I!3
#+ @<%>!#$)5KT:IOI)7'#G:5
•"C.[ I!C#$.<75%457#[:5R
C5[3I!+I7G)7>7*T.#[
+@I!3

CHƯƠNG II: THỰC TRẠNG CHẤT LƯỢNG CHO VAY
DOANH NGHIỆP TẠI VIETCOMBANK HOÀN KIẾM
2.1. Khái quát về Vietcombank Hoàn Kiếm
G. Q!AB5]^__

2.1.1. Lịch sử hình thành, phát triển, chức năng nhiệm vụ và bộ máy tổ chức của
Vietcombank Hoàn Kiếm
€fffaBL1+!)CX3E%4:*%
@€f)ffR%€ƒƒ‹"><#$%"&!'"
#$%šE%4:›7F;:C#$"7>)
*%C?$…T!2IBQfC>…IBE%4:
E%4:*%.7"I!)!<GIT+457Q:*)
C?<")!‰>#$%"&!'"#$%
E%4:*%.);nƒ3QE%4:,7B4
"7> @PC%37A<$GC‰…39Z><Z
+)&A@.,<)I!.,C5#,<C7"
7>3E%4:*%.:…7>D)C1"C
;)IB+‰(5$:)I!+
I#C?7B437AE%4:*%7+"7>7F;
7'@73)5!”%<IB+‰#@7>+Q<•<:I"<)
KT   !  :”<  )  5 !”%      4)  .•++9  "  7>    I‰<
E%4:*%.A7”@%"+@)7Q#[:).)
I!+S+0<)<>5KT:I)XE%4:
*%.A.%>:?%,6!:$A•+QSE%4:,):)
#+Y4575%D5.\7#[C3Cž7•GCX:)5
!”%%,3E%4:")M*@<E%4:
*%"7>+,$€ƒƒ)4>A+?<4•%Z)%7Q<ƒq!2
4;R+ƒ^!2IBE%4:*%.?‰!)CX+
"7>D57"7#[P%‰?3#$%"&!'
"#$%79C<7"7#[94Œ:E+5#…C"

7>!+‰+!C7X#?
G. Q!AB5]^__

€ff€;R+%+‰3)
.%>&;C+,"7>3@*.@X*
:%7'#<E7G;R3@*+DC/3E%4:(
)*%.@7>+QC-CI#+)!':*7X
+@+)IB+‰3+,;R7G)
)%+‰
 @7>+QS)&;:*(KF><)<I#C?7B4D)
:59L*:%<:5+F.Ÿ
 M'#++@U<C+I"<+@C[3@)<45.FŸ7Q+,
+I#
 #+T+9.V+9
 )IB+‰:)
€ff•NA1&;+4>%)@.F7"3E%4:*%
 NA1&;3E%4:*%
CPR%D<E%4:*%G9@7&C+$
T."&;+A)D5.\7X7)!;'!)CX+%…C>D@%A
5  +9 Q .#[ +  T .#[   7@ .  $ 7• &  ; 4>  %)@ & ; 3
E%4:*%
Sơ đồ 2.1. Sơ đồ bộ máy tổ chức Vietcombank Hoàn Kiếm
G. Q!AB5]^__
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
(Nguồn : Quy chế quản lý, tổ chức hoạt động của Vietcombank Hoàn Kiếm)
 Z>%)@.F7"3E%4:*%
 )%7QS:. !7**@•f‘f€‘€ƒf€<)%7QE%4:

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+‰7G)%7Q);R
• &;<D5.\<79"7>‚@*7B*.#[<:*"
!)CX:I3)
• A%+‰<7A7Q<&;!Q[!P)!G)%
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 )G)%7QZ@—BŠ2+¨];
R3G)%7Q
• Š@I<!?I@<EI•+#$C1A)'<)<
D\<R%3)+E#$C1)%7QI@
• C#[!)%7Q7+U<%>!G)%7Q7#[3@D@97X"
7>3)šG+R453@D@9S.'›
2.1.2. Kết quả hoạt động kinh doanh của Vietcomnbank Hoàn Kiếm
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Bảng 2.1: Tình hình huy động vốn của VCB Hoàn Kiếm giai đoạn 2010 – 2012
Đơn vị: tỷ đồng

Năm
Chỉ tiêu
2010 2011 2012
Số tiền Số tiền
Chênh
lệch
(%)
Số tiền
Chênh
lệch
(%)
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Biểu đồ 2.1: Tình hình tăng trưởng dư nợ của VCB Hoàn Kiếm giai đoạn 2010 –
2012
Đơn vị: triệu đồng
(Nguồn: Phòng Kế Toán – Tổng hợp, VCB Hoàn Kiếm)
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