Huy động vốn của ngân hàng TMCP Quốc tế Việt Nam-VIB Đại Kim

LI CM ƠN

 !"#$%&'()*+,-(./00
#+#!12
3#!456!"7859$40:;
0#3.<=0>#!1?@A3!9?
B!1 #CB5D'(#E>C!4'
#A(+F!)?D#GA+-&2
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<L3MN /!4FO'()#&0#/(+
>>(2
PQ6I19$4 ?<
3RSTU35V><WVX=?Y0C(8Y530(8Y0
@M0C# /'()?%>
"!"5(5?*Z([
+[%,D2
SM6I194B!1#/?E
 *+,?%>'()*+%+$O:#
1&A'()>(
2
P69\
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
1
MỤC LỤC
DANH MỤC BNG BIỂU
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
2
DANH MỤC SƠ ĐỒ, BIỂU ĐỒ
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh

Lớp: 45H3
3
DANH MỤC CÁC TỪ VIẾT TẮT
<@<<] <!4
<@3R] <!9?
<@3RRST] <!9?^(:
<@] <
VX= <3RSTU5V><
<@3_] <#!9
K`aSY] KbFCD0
`V<@] `C+[
3aYY@] 3%I;c?
3aSY@] 3%Ic?
3a33] 3%I0
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
4
LI NÓI ĐẦU
1.Tính cấp thiết của đề tài
d?+(0#<@3R;B(+8(;
-G!1*+[,"Q!
[,+#?*/23,+$%H#
G!1*!"d++4(."(e+^C
0Bd+8%#0^D5+F
!*d+(('+49$+!0(D:(0#
6 *+2
S0>#**?>J?#+%
+d$!"FC+[+;>ZG>&?
*GC(:"2F#/?*+([+[[
.F:*!"+#$42<d+0

*!"6$(0-%d0!d+5+O
d%I^D+F!2V$%*+>&;
+$%50&#C(:$#//.#C
+554%$^!> 0*5e!1I%
+B!b6$5;0*+2
`+>,D+%;0*d+%I?<
3RSTU35V><WVX=?Y*,:$(5'(
&#C+0&#C<3RSTU35V>
<WVX=?Y#,B(0(((:$!";
0*d+#,+>&?*F
2f$(0-BeF#,M>L#1
(?<3RSTU5V><5"(+45DA!"
A%]gHuy động vốn của ngân hàng TMCP Quốc tế Việt Nam-VIB Đại
Kimh>(2
2. Mục đích nghiên cứu đề tài:
 Mục tiêu tổng quát:
@*+*>(+[&#A+.&5C#?
*F2V/+[,^&0%(./
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
5
/*+<3RSTU35V><WVX=?Y#i
G+-&2
 Mục tiêu cụ thể:
J@>Be+%+%*+<3!9?2
JT.0/D*+00#?*V
<3RSTU5V><JVX=?Y
JY%6$(0(G!1*V?<3RST
U5V><JVX=?Y
3. Đối tượng và phạm vi nghiên cứu

J!",D?**+!9?2
JT?+,D#?*+?<3RSTU5
V><JVX=?Y1-Gjklk5Gjklj2
4. Phương pháp nghiên cứu
3#,9b(!9(0(mF+>D+F+C
I0(!9(0(!"IF[#&0#/>+G(!9(0(
(7+$%#,D,(.^"(0+0(!9
(0(0&5B+$%H##2
JT!9(0(^"(
3-0FB> (!"5^"(?0,D:
5,05&00,D!>/
/"6$0G5&00.n
JT!9(0(0]F#,000^"(0>D$(5
0D,>*^&0GB0,D#'#5
+%G#!b?*5+C#.&#A2%>
00>((M"(+%;1*F59+C
!1(!9(0(.0&;+%>F2
JT!9(0(&?(]C-B+$%75#d45
5+$%:(.2
JT!9(0(,]^"(0FB>9$(+D$(!"-
/,0>00$!"6!45
^2T.0;66o0*!90B05%
!4?*'!52T.#??*&#C##
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
6
.F[6>&;0&#C##.F[#?*+5
0*05;#!15;0&#C2
5. Kết cấu khóa luận
<(:b:5'>([[*F

!"5$i!9]
JS!9l]<B+$%9+%?**+
!9?2
JS!9j]3#??**+?<!9?^
(:U5V><JVX=?Y2
JS!9i]Y5+%6$ZG!1?**+?
<!9?^(:U5V><WVX=?Y2
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
7
CHƯƠNG 1: NHỮNG VẤN ĐỀ CƠ BN VỀ HOẠT ĐỘNG HUY ĐỘNG VỐN
CỦA NGÂN HÀNG THƯƠNG MẠI
1.1.Một số khái niệm cơ bản có liên quan tới hoạt động huy động vốn của ngân
hàng thương mại
l2l2l2Y0>+%<@3R
<!9?CI(0#-#$45+4&0#/
(0#%52<!9?*#B^
D&#A$%5+!15p#A4+%&;
C(:+!"02<!9?*C5.
F%>F!4/D*+:!+$(0FC+[
02
<!"Cm%.?0230
5A]g<!9?*#.+4DG
.+-!1;9*:!!19*:!-
!15>!1:,+!"(>+40#
.0bDG0#,!9?h2S0
&e/#Z]g<!9?*F>(?*#,m
+%>h2
3N0^D.F[!4S*86 *m
V><]g<!9??/^D.F[!">

*?*+0?*F0,&h#]
g@?*?*F%>+FC+[+4*
F!16,%IIF[%$(.F[+Dh2
l2l2j2Y0>d+!9?
q<d+
V;*#B5:+9&0#/?*
FF>(2S':rC#Z;>0
[,56 *!4Q!0[,F
F>(#,5!;+2S05 !#0>
+%+<@3R!]
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
8
gV!9?B0#C%>F
!9??(H*!"FM+:!H>0
FC+[F02h
q<d+bB
d+*&%bB.
&%IF[d0#5C9b+$#5CIn
d+0&#A#!45?..2<
s(%5/4?!"005FC2
+4d/+>(+[/?+#$F?
M.$bBG.,:+(0
#C#!12
<d+bBd]d+/:d+^
#&0#/?*0&td+"^^
(:2
q<d+*
V**(4$#^d+!9
?2V4+>*+!"&%IF[++#0>

(#O '?!1I2<*+
-F!0^D5J6 *n+4%/D02
Fq<d++
=,?+>*%I%'0Q(+
0F#B*nS0+b<@<<
+0^D.F[0+#,C#!1+
q<d+0
• <d+02
<>0FC+[0!0+0:!
0$((00+*222d+!"
F?ep00^D#+!4>:!
B!9#/F023#1+ !"5(
!!55?H++ d+%!!
5??:!!"*+F2RH
0>>(+[8!"!bd(.2
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
9
• <d#0
S00;FM%H!]NuS>>
n:#d#"Q'(Gd
+/2<B:#"(dd#"5F!
-%0+,+%>+2
• <d0
ad0(*((#!]35!*(!9!#nS0
d+0;%1IF[;#$
!+4d+;(o(.*9B
,%>(0#0>(+[+FC+[0([+[
:02
1.2. Sự cần thiết của hoạt đông huy động vốn trong ngân hàng thương mại.

<! %(#^d+*+bBv
5*(:#$78?*(d+*-0!"0
2T+*4?*/!1+(0#
bDG5d+bB+>+%v?
*2<!+#&0#/?*F0F
+d+bB!#0&5C5(M"(+40&
C(0(2S8d+!"IF[+0?*F
1*.-+*2<d+*%
GD+C(1%5-'w
G#!bQ!2<!+v+4+*
4DG#.F[JDG&5CF
#/+(0#d19b>0DG8?2
1.3. Hoạt động huy động vốn của ngân hàng thương mại
1.3.1. Khái niệm về hoạt động huy động vốn của NHTM
@?**+!9??*'%I
#,C#!1lxC#!10F>(^D56 *q+#,C
#!1jxC#!10^D.F[qF!40/D]%IFC%
Ic?%I5>(0$10n3#d+*
*(:;^CGFC+p> $$(y*
0?5GFC^C9+ $9yd+c
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
10
?F+60C#!4D $$2
<!+?**+*#B?*5+&
#A$!9?2@?*?d+0
>0?*F0!?*+:!+
$(0FC+[002
R[,&e+*Z+[,&e
!9?+1!"+$!"d+*

!b5!"+$!"0++:!2
1.3.2. Các hình thức huy động vốn của ngân hàng thương mại
qT?1
T?1em&#A+4+/,
&55.+G"d+*Q!
1(#0231/D*!"
]*?*#?*F?
qT?!"*
• @*+-F!
*+*:%G023*
(&Fb/#??1#0(.QIF[
#!90F(85000/!"I
++-9B*+-9 ?*(:(2
• @*+-0F>(+0^D6 *
d*!"00#$45p#A#^
d+25>1+(.#00F>(FM4
7%#2S0F>(0!"
%I%++#'#:2Sc#'%0F>(+
0^D6 *;2
qT?(!9D*+
3#&0#/?*0F>(01Q**
(%#?1!:IF[H000
F>(I0%+F!4/D%I
;c?+c?0
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
11
2G%I#;#!1?#+!"d%I
$!"0!9? !#+>%/D
*02S0/D*d]

• @*%IFC
• @*%Ic?
• @*%I5>
• T0$10
FqT??%*
• @*+Z*>
@*Z*>0:4(F!]5%I5>
d&;9$4#^d*Z*>!G
#!b;^C2<!"*%I5> $*
/&/?%IFm!1F!1x/?79
lj0q2
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&;9$4#^d*23%I!1%I
FCH/?!b $$(
3%IZ*>0^D.F[0]d&;9
$7#^d%IZ*>2<d%I0^D.F[
0!1D*G#!b0!5d#
0Q;IF[%d++:!2
@*Z*>0:4(F!]5%I
5>d&;9$4#^d*Z*>
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• @*Z?>
3%IZ?>0:4(F!5p#A72V>
*+Z?>;C0*?b $#,C#!1&5+
/#?5V<
1.3.3. Chi phí huy động
3(:9(.*+0>b
(.# x #%I+%+qM+4(.;
F!4F? $x(.( q(7#*+2
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh

Lớp: 45H3
12
S;0*+!"00$!"+>&
+%(!9F>(.?!"B".9]
3/5!"d+(.$($0(D:++
:!#+O7 !"0,:!96DB*++I
F[+%0(!9F>&;1?+.^C2
3G!"";$5($(B
##FDo(G(.+2
3M.$-d+z%D $Fm02
?#b#*d%0%0?#0!5
#,/# $?#2
1.3.4 Mối quan hệ giữa huy động vốn và sử dụng vốn
f$(0-5?IF[+5!"@V(M"(2@V
(M"(+4IF[++%?%c? $z((:?"
+>'5+402U;d+
*<@3R:(^C(M"(+4 $+c?2KG
d+,.*v,(0$!"?*
%>b#*&;?*.
+^Cd+2
S0F[:!"66oF!4*9$1
?60C(M"(+4d2
• 3#!45c?Fmd+
<d*!1+4/?$C!",
/?Fmd2S0/?Fm!1+4*D 
$$C6!4d/?FmF/ $
2Y/?Fmv*,.(0.^Cd+2Y/
?Fmem&#A+4?**2
• Yc?d+
3-/?Fmz!#/?*(M"(+4C

#!12<#$&4/?5d%b/?5
,&Hz4/?0+:!2
Y/?5d+1+d?,[?
*9+C2S0!b4/?Fm%0*4
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
13
/?52=,? $?#B0B0d
+:,*6$Q!b4/?2
• TG0/?0d+
V%,d+*?1?(+1
?23,#&0#/?*Q!#%>%5^
CIF[*(:d+1?:!+
01?F9!b*p>$C+/549B/5
*1(CDo(+%G0+/F!"+*
o7+F?*?o7$2
1.4. Các nhân tố ảnh hưởng đến hoạt động huy động vốn của NHTM
R?*F#%5%FL##*;#!1
%>$C2R;#!1%.H*H?%
>?*F!H0Q?5(0#
B?*2@?**+?*!16,,[
?*.&5CG?*F23#,
5;+>5;('QFL#
"C!b55d5.&+5
.0&2
1.4.1. Nhân tố chủ quan
*+%;#!1,#0<@3R/
#&0#/?*F0,&+%(.
2S0 5!"/G60700
&6$+G!1(000..2

a) R[,5!"F2
6F[,5!"F!1/00
0+C5>?/#>$!"B
?59*+0Dd1Q(F0
^;#!1//!4."(2S5!"
(#++>(0#$!"+&;d+H(#++>
'%IF!'#A++>++:!2<0
F%6!4?*GZ/5"(0#
#2R*5!"F'1QM+4*+>
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
14
&2=,?&;+bB+:+<@3RQ5
!b5&;*+2V/+<@3R:'#AG&;
+bB+/Q*#B.?
%02
b) S.0 $2
N $5$D0^DI%+%
&2N $*+"(e* $+-G$(FO0
!"I%+!d1Q(!"
F 2S.0 $>d+
<@3R(.7#"(e+O.?##>
2R*^'#.0 $zGd+
*+!"?2
c) R#2
S*?#B0#b,>+?z
9152R#*&0#/d-,DC
#!16F.0(0#54>5#!9(w
4#;'2@?*#;BGD?
?##8GG"+?

#F2
d) R?!4(8FC9b+$#5C+#/*A
;>2
<#1?;>(0#!+Q /+>0(F[
;>4+#?*F?>&$.
*,:$(0+4$0^D5D;#,/
0<@3R2<5!"#C0#5C>?;>,
5#/*IF[++0*>&/$!"
FC+[z!"0z$8+5I%+

R?!4*0!1!">;&0
&t5>(8FC2Y0%#A!1/5B
9FC:$I5>2R?!4*#*(z?%
>'%IF2V4M $!9b
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
15
+$#5C;>+?!49z5>!"1
0([+[!";09!+z'
!"%05I%9->&*+z!"
92
e) *Q0*+,2
@?**+.*/D0#
5(F+(00*#/*,;*Q ?+,
em+;M&#A2S0*+,#5(
5(6'+40?$!"+40.2*
Q0*+,>(+[,>(#(0
([+[0z!b#5(5>&*+2
f) {.2
R*.!1"5#+>*++/A

!1B!"*!"4B0#2<B0
'!"Z.!16!4F+4
+/A#Z;BFC+[$FA+d%
AZb;!"2R*.;BB
!"0>B8"5#+>'!"B0
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?+,Hzp*,HQ?
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g) S0FC+[FD2
S$*0#|##Z5M* $*
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+[vF?;v'('004
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1.4.2 Nhân tố khách quan
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0!9?v5+/0?500*,
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
16
';^0!"2
qR;#!15J6 *
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222
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8C!b05!*F!#C?*

(#/F!0^D5#,C222<5C
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66;2
<#8*5'Q:(5&,
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(0(ed5#+&x+40
(?+?*b#*#,4q2<!+*
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
17
!b&#A+4%5?*8.
6 *02V/+:(!"&e*0Hz,
H#0&05%52

q~5*;#!15&5
3#>0<@3RzH(%GF
!b554Q!?##,
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!;F:;222%B5*$!12<B5#,
 0*,5?*F>#,5
42
U0#/:05&5F0.0*!b
;75?*@V02Y#4+%5+
.B0&+F:Cs(/v:*5*#,5
4Q!7F%5?*@V*&*
2RD[^0^D.?Rt<
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6;#'%+.#BH!4:!2
Fq~5;#!1?#+"(0
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?#*0<@3R(.0t!)+F0
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;#!1?#<@3R(>0??G.D
#95C#!12=,?C#!1D0C#!1$*
Q5?#+4?*+?*
*+#,2
RH0:5H#!9+65(0#$5
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&5;>B0&++G
,D*([*OB0%5542@*(&5b#9
*#^"(0&5B0<@3R#?*F/,
%>&5++2<0<@3R;v?#+4
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh

Lớp: 45H3
18
H+40^D.08,50B5?2
S0<@3R,5+40;D0n*d
+-0;2<!"?0;Q/5"- 
$%I+0FC+[02<!+?#+-0D
+-9*'wA?*2
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
19
CHƯƠNG 2: THỰC TRẠNG HOẠT ĐỘNG HUY ĐỘNG VỐN CỦA NGÂN
HÀNG THƯƠNG MẠI CỔ PHẦN QUỐC TẾ VIỆT NAM – VIB ĐẠI KIM
2.1 Khái quát về Ngân hàng TMCP Quốc tế Việt Nam – VIB Đại Kim
2.1.1 Giới thiệu chung về Ngân hàng TMCP Quốc Tế Việt Nam
<3RSTU5V><x,AVX=q!"(
&5CjjuU`u<@•j•uklul€€•3<@<<V><2S^
;0(d<?!9V><<<;>(
+T0#;;V><00+F?#!4+
!42<l‚uk€ul€€•VX=:+?*+4+%>:
•kpd+4ji0*+,#[bH?l€‚=3K92U2J@
<*23.5Gjklj+%>VX= •2•kkpd2
2.1.2 Giới thiệu về VIB Đại Kim
<0}VX=?Y!"H?3:l38ƒN;l•=
Y;C4?YT<LS`CT!1?YU@R
@<*
N?/]T8FCJ&t5>2
VX=?YDG>0>(+[]
J3>0?* * +?# +F?F!4 /D
%Ic? ;
c

?Dv%
I
J3>+:!+(0#0^D#!4++0^
D.F[0
JS$(0FC+[0:5$!9(5#0(5+$
10
JS0FC+[0
2.1.3 Mô hình tổ chức
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
20
T8a0
T8a0
T8Y0@
T8Y0@
T8Y530
T8Y530
T8@S.J
<K
T8@S.J
<K
T8@3#"Y
`
T8@3#"Y
`
T8Ta0l
T8Ta0l
T8Ta0j
T8Ta0j
Sơ đồ 2.1: Sơ đồ tổ chức VIB Đại Kim

(Nguồn: Phòng hành chính – nhân sự VIB Đại Kim)
*Chức năng và nhiệm vụ của các phòng ban
JT80]SDFC+[0^D>0!9
#/Z(0#02
JT850]3>0?*^D;050(5?J
!00+$%+%5002
JT8.J]S>+[^D.+G!!#B
FC*?&e&e+>9&2
JT8  #" F] 3>0 ? *  #"; 0 
FG0222
*Bộ máy lãnh đạo
-VQ3C33Ja0] S>+[ ?C+5!"&e0
(,F>+&e.F[2
-T?3C3RJTa0] S>+[&ev?00+
#"A?*T8Y0+T8@.J<K2
-3#:RNJTa0] 3#5(([#0&e%?*
T8Y50=*(aFC+<&tT8@#"F
2.1.4 Một số chỉ tiêu tài chính chủ yếu của VIB Đại Kim
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
21
Bảng 2.1: Một số chỉ tiêu tài chính của VIB Đại Kim
Đơn vị: Triệu đồng
Chỉ tiêu Năm
2010
Năm
2011
Năm
2012
So sánh 2011/2010 So sánh 2012/2011

Giá trị Tỷ lệ
(%)
Giá trị Tỷ lệ
(%)
Tổng vốn kinh
doanh
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Tổng Doanh
thu
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‚•• l2l€k l2•€• ij… i„…l •k• …j•j
Lợi nhuận
trước thuế
•lk lk•l ‚…‚€ ……l „jj€ Jjkjl Jl€ji
3->$#Z-Gjklk5Gjkll/$0v,
.9VX=?Y%6!4G?H>^+
F^F+"#!4525Gjklj0v,%
6!4HGsJ$"#!45[l€ji†+4
Gjkll2
2.2 Phương pháp thu thập và xử lý dữ liệu
2.2.1 Phương pháp thu thập dữ liệu
qT!9(0((FB>9$(: T7+$,2

Bước 1]355(5(7+$
T5(7+$!"55dlk7#‚7#>+j
7b
Bước 2]NA!"(7+$
!"(7+$B,#m+D0
0(0+,?VX=?Y2
JK!"]lk
J*^]ikJ•k
J3p><u<B]•]•
J3,;0#m+]‡lkG2
Bảng 2.2: Danh sách đối tượng tham gia phỏng vấn.
ST
T
Tên Chức vụ Độ tuổi
l VQ3C33 a0 …•
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
22
j T?3C3R T0 …k
i 3#:RN T0 …‚
… N,f@8 3#!b(8@#"F i•
• <L  3C  R
@,
3#!b(8Y530 i„
• N,3#!1a 3#!b(8Y0@ ij
„ VQ3C@d 3#!b(8@.W< i…
‚ <;R3#. T(8Y530 …•
€ @  @!9
a
aFC+, ik

lk 3#:fK9 aFC+, il
Bước 3]3>(7+$]S07F00!">b0
10*F6&+$%*+2
Bước 4]3^"(5&
qT!9(0((FB>D$(
`B>D$(!"-dFB>**5"(+40
FB>5"(+40FB>,!]00?(.!9
?>I#>09&,D(!9>#%;
042S[]
ˆ=005&?*F-jklkWjklj005+%0
5,&50v.!]9$d++*n
ˆS0>+%0]0C#!1
ˆS0>+%5?(!9!4(0##
?4
ˆS0;#,0?(.,#%/?#n
2.2.2 Phương pháp xử lý dữ liệu.
qfIeFB>9$(2
T.005&(7+$,!#06o5
2
q fIeFB>D$(2
KIF[0;D0A#P66Ie0v,:(0
>*%I#00.-.,>>
!9p>†p#A-[Z([+[(.>&?
**+2
JT!9(0((.>&?**+d]
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
23
ˆT!9(0(FM9d(.]T!9(0((0
*0#&0>(.+4B(.!"5(

F8*o(0v,+>(.2K0>G
+4G#!4H00>+4v,^2
ˆT!9(0(0](!9(0(,DD!"0>
!"+;&&>5!9+>!"+4+
>!"0$!"D*Zp>†H,>
G2
2.3 Phân tích và đánh giá thực trạng hoạt động huy động vốn của ngân
hàng TMCP Quốc tế Việt Nam – VIB Đại Kim2
2.3.1 Tổng hợp kết quả phỏng vấn chuyên gia.
JK(5(0#]lk
JK(5+%]lk
JK(5"(>]lkulk
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
24
Bảng 2.3 Kết quả phỏng vấn chuyên gia tại VIB Đại Kim
ST
T
Câu hỏi Kết quả
Phương án
lựa chọn
Tỷ lệ
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9. Năm 2011 Ngân hàng Nhà nước đã ban hành văn bản yêu cầu tất cả các tổ
chức tín dụng phải ngừng hoạt động huy động và cho vay vốn bằng vàng. Điều này
ảnh hưởng như thế nào tới hoạt động huy động vốn của ngân hàng và ngân hàng đã

giải quyết vấn đề này như thế nào?
Bà Vũ Thị Thu Thủy#0+5*?0^
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587.05D?%:,(e!1
FA$,+%2R5(0
SV: Hoàng Thị Đào GVHD: Th.S Nguyễn Thùy Linh
Lớp: 45H3
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