Nâng cao hiệu quả hoạt động cho vay khách hàng doanh nghiệp tại ngân hàng TMCP dầu khí toàn cầu – chi nhánh quảng ninh’’

Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
LỜI CẢM ƠN
 
!"#$%&'()*+,-(./00
#+#!12!03#456789.69
:60;<=(>
4#!?@A!"BC@=$?09D0#
4.<+E0F#!1GH4!=5G #3
I@J'(#KF3!?'#H(+L!)
GJ#MH+-&>
NFAO1=C@=?D0:4P><Q43
5RG /!?LSAT0(U'(
FL9/>
V2AO1=$? G++,
<456789.69:60;< /'()G
%F"!"@(@G*
W(X+X%,J>6YAO1=?I
!1#/GK *+,G%F'()*+%
+$S9#1&&0#/M
H(G#!1GH4!=5G>
VA=Z
[
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
[
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
MỤC LỤC
\
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
\
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
DANH MỤC BẢNG BIỂU, SƠ ĐỒ, BIỂU ĐỒ

]
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
]
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
DANH MỤC TỪ VIẾT TẮT
STT Từ viết tắt Giải thích
1 GP.Bank <!=G^(989.469
2 TMCP 4!=G^(9
3 NHNN <!?
4 NHTM <!=G
5 KHDN _0LF(
6 CBTD 60D.LX
7 NH <
`
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
`
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
LỜI MỞ ĐẦU
1. Tính cấp thiết của đề tài
4#&0#/9LQ#Ga+?IA@+*
+#0&%@@?+++?I0*
//@.#3A *b#0B3XcF<J
#!?1=+0J?>+?cF<#%F-%
@=@@G(#@3#!1GA$(0
$(*M#!d@!!$!?(0#
e3f(0**g1#g,h
+?0LF(g+i&0#/
LLF(!"LQ#,X+d#*&D9
!+9!+IG*0LF(9(*+
-,><9@0LF(OLX++!*g

+D@#^+L(X+XA$>_0L
F(9+H!1*-0g!00LF(
0/GK+*g+#$&#H-0<R45>RG*
+<R45.DX#"LF(@X+
L>RG*DjUk+?%@+?0LF(
++CUk&@3@gG+(0#->
4!.0d!?FG*+G?lmn"
L#+0LF(@?omn>
RG*!"%"!2%pD.##
+?>60J#!?=*+0J?@
+#C/+?L(0#@$(%=
0LF(I++F&$g1X,
G*L+M(>62!
0F&G*+M"M
.*#IF+X&#H9@+$(0G
456789.469:60;<>
;&0#/(G456789.469:60;
<W+F,J+%G*+G*
o
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
o
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
+#,$!"+#C&#HGD+#
!=G2!+?=+3(>4#`M/+(0#
G*+ +!"F I@!"
W'+pGG*+>4,+SCgGD.
IG@qF"A$"&0GMF&+!L!"
+2!q#H++?g+*C$(NF
+?0LF(j@*q#H#$,#^L!"
0"+0LF(CB>4#!?F#G

WI@J !"HG#!12!3!?'()
9D+03#60H%,J
fNâng cao hiệu quả hoạt động cho vay khách hàng Doanh nghiệp tại ngân hàng
TMCP Dầu khí Toàn cầu – chi nhánh Quảng Ninh’’ W,J#G
G*+0LF(GI@& G
!"IG@MCN((W%A$!"!?(0#
G*+L+">
2. Mục đích và nhiệm vụ nghiên cứu
5X.,J%rf<F&G*+
08F(G456789.49:0;
<ssr
t RFU=+%+0LF(
!=G>
t <,J+(.#GG*+G 4567
89.49:0;<
t 7.0D#!1L0*?G*+G
456789.49:0;<
t <LG0D0+$%gG+,#G*
+G456789.49:0;<
t 4#,=d(.0#G@"(+?(.0@D#!1
L%A$!?&@0+$%gG#G*+G
456789.49:0;<>
u
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
u
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
3. Đối tượng và phạm vi nghiên cứu
 Đối tượng nghiên cứu:
t<,J#GG*+0LF(G
456789.9:60;<G-M\m[\:\m[`

t<,J0@D#!1L0*?G*+
G456789.49:0;<>
 Phạm vi nghiên cứu:
tc%Dr_!"JG456789.
9:60;<
tc%N1r<,JFJ$(r00.G-
M\m[\t\m[`+3!?G*+60#IM?>
4. Phương pháp nghiên cứu.
cF,J%OLX%(!=(0(!r
t7!=(0(3.r(LIF+@(.LIF-
!#AT>P@!#/vLLF(M
L&D+Mw@(.LIF+0+?U@>
t     7!=(0(3!"r(0LIFWgLIF#
(!=(0(,J3.gLIFJ$(+=$(>POUF
(!"WOLXA.0#%>
t7!=(0(0r0FI0M++?0j,+?
t7!=(0(L+FJr#+LX0&0&
LF3OAAT0+$%X>
5. Kết cấu nghiên cứu
Eg]!=r
6!=[rxU+%G*+0LF(
!=G>
6!=\r4#GF&G*+0LF(G
456789.469:60;<G-M\m[\:
\m[`>
6!=]ry(0(F&G*+0LF(
G456789.469:60;<>
z
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
z

Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
CHƯƠNG I: LÝ LUẬN CHUNG VỀ HOẠT ĐỘNG CHO VAY KHÁCH HÀNG
DOANH NGHIỆP CỦA NGÂN HÀNG THƯƠNG MẠI
1.1. Khái quát về hoạt động cho vay của ngân hàng thương mại
1.1.1. Khái niệm và phân loại hoạt động cho vay
1.1.1.1. Khái niệm hoạt động cho vay
4#&0#/(0#%@A$(0-9++
+I!1@++-+#Y*1 /,
&F+!"S>&F@+?*L+!"L3
-=G1L!-=@X+?%F+!"#K
*"-+FOLX++
4^J.LXK;[u\z{\mm[{;t<RR
][{[\{\m[[3krf6+*/J$(.LX^
J.LX0*%OLX+X1
$3B+?,#S h
+?0<R45cF</G*+k+G
@q#H-zmtlmnL>RG*+<R45L3+%
#,=d#+INr
t4L3#&F+@FL!?/J%
F>G/(^@G0(J9H!"#%
@>
tc+<4R5@W+*-,JD
+dI>
t|$(0-,#+/+
0(=d#W0a#'G>
ty0#3#(?=0#3'+000
(#,(#,(9 +>
tx"!"" #-$0(.>
K+?"##.LX>
1.1.1.2. Phân loại

 Căn cứ vào thời hạn cho vay: gồm có cho vay ngắn hạn, cho vay trung hạn, cho vay
dài hạn.
l
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
l
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
t6+GrxG+1GD&0[\0!"LY
^g+!*8<+(X+X9@X+0
+>41G+#0!"## $G(0>
t6+#GrxG+1G-[toM@!"O
LX3OIG3@+^?
}d#*A$AL0L0&DB>>>1Gg
+>
t6+LGrxG+1GoM#d,!"OLX
$(+AL=9!AL0A.F(?(0#=dG
9@+d#*A$L+?&D?>41GOLX+
L+F&9!jL.,G+J%##>
 Căn cứ vào mục đích sử dụng vốn vay: Gồm có cho vay sản xuất và cho vay tiêu dùng
t6+,LYrx0+#"9,LY(X+X
1>!"!"+00+*/+(X+X0
X.!rDDLHL3>>>
t6+A$L!DrxG/++?0
L09!(!=(0(A$L0^J>60+
!1!"OLX+X.0@3#"+!
*L#I,+F(.A$>>>
 Căn cứ vào mức độ tín nhiệm đối với khách hàng: gồm có cho vay có đảm bảo và cho
vay không có đảm bảo bằng tài sản
t6+WrxG/+I
!1+AOUg"!1+DF0k+X
 !"@#"(g.LX>yg\Gr

~_+!"W0+
~_+W/-g#">
t6+DWrxG/+D
9@$(+jL+.0>
~6+W.!1+>
~6+W.,J>
~6+DWj36.(>
•
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
•
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
 Căn cứ vào đặc điểm luân chuyển vốn: gồm có cho vay vốn lưu động và cho vay vốn
cố định.
t6++!*rW#"g+LF(9^
+!*!r,{,+FL#I#"0
0##!=DF!?>>>
t6++3rW#"g++?8<99!
3r{OI0@3(!=F+>>>
 Căn cứ vào đồng tiền được sử dụng trong cho vay: gồm có cho vay bằng đồng bản tệ
và cho vay bằng ngoại tệ.
t6+WgFrxG/+$(%
0Wg%!?/><!?&3+0
#!?/j!"Wc<>
t6+WGFrxG/+$(%0
WgGF><!?&3+WGFj(X+X
(p+?0A$p/+W
GF!(0D+LYc<A$p>
 Căn cứ vào phương pháp cho vay: Đây là cách phân chia thông dụng nhất mà các
NHTM hay sử dụng. Cho vay được phân chia thành:
t6+$rxF(+X+(T(!1+!"

+!"#,L!%O0@*?G$3+#
1A03>y?GJ$>_0%(+
%Oa"+ >4$/J.LX
GGX=(9?D!10(LX
+?0.*(^3>
t6+#@(-9rx/J++?0
D9+!1A,D%F$(GJ$>
<F(+X+-9=LQ0-+#,€>4%+
!"$(L#,0#3>
t6+GJrxF(+XB$(
0*GJ.LX#*1$3>c?GJ
0a!"+%9#1+?%F9+
[m
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
[m
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
+"(U+D+!"&0GJ>R/J+(Y"(+?0
9+!1A,++!1A,+&0#/
A$L>
t6+rxF(+X+L#,>
4MJ+•++
">R/J!1!"0(LX+?LF(A$L
•,X&F+!"!1A,+?>
t6+#(rx/J(T(#
%9#1G.LX>R/J!10(LX+?0+
#+LG+3>
t6+L09!r_09+,+(X+XL
09!AT$L0F&/a!#&@3
+>
 Căn cứ vào xuất xứ tín dụng:

t6+#@(rxG+$(+#@(!1
9g1!1+#@(#"+>
t6+0@(rxG+!",D&+FG0@
!?NJ-" (0+C#1G0>60<R45
+0@(0Gr@$J-+#(0
"LF(>
1.1.2. Vai trò của hoạt động cho vay
1.1.2.1. Đối với nền kinh tế
RG*+<R45G#(@+#$?
Gg0!?v4D&@4<8<w>;!?
,gF0X,^3+(0#@A *
$!?>
4D&+F+0L0G*+0@(((9G#
+FM(!1*FX,AK+
J!1*>5&@+FA
K/DL++F(0%N#D1+0%
+!?>c/@+#C+0<R45Uk&#H#
[[
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
[[
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
+F9!0L0(0#A$LG+FG+M
(H9?(L!+0(9@>
RG*+<R45((9JA *L!?0
/J!+#(+0G/J+0>;/J
+#(!1+OLX#!?0@%
>cF+-!1,LY%FOLX,%
L3+XH!%0N0G.'p+F,
LYM!"0LF(..(0#%
@>

c?JM#.X+(#+G!?!?+H
%@>RG*L<R45&0#/A$
LLQ#!1A,,XCp@0LF(0^
J@00OLX+F&F0$d#*J
LX},@FGM$+F&@G#,
%(p,LY>y((91+$A *>
c#CG*++?&F&@r9!+#!?
+LA$(pk+"(0@
DLX+(0#I0!?><+?MNF/
=$(+0G*+D&((9d#*&
F"(0@+M+?0!?>
;G*++?%@<R45FJMG%
/+#@(%j!"%!D#%@><
!?0@(F^!"%#!DW.
0%jqFL#I*NGJ++?0<R45>;
!?F.0%F/^3+
(0#g%2!%@>
4D&6.0!?G*+a((9=$G
%@&LW+F<R45F.0+% $1G
+J++?--+Y@b4G%F"
$!?FX,0!!,9!(0#I
[\
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
[\
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
+Y@#H^3+(0#$!?>5N0
+((9M!1@*G0@0LF(
1.1.2.2. Đối với hoạt động của ngân hàng
6+G*=<R45G*!1A,$+
"%$gG+(0#<R45>

4D&G*+<%C+G@##+%+
##0bRG*+2((92&FI0
+<#"+Y(0#>D&G*+
</,!"I0?d#*,0G/
L3+X00! L3+X000
0$10+0L3+X0>c?G!?0#*?<R45C
G%F0D^(9(0^(@+0$10
OLX!"+?A *0(J09+%+0L
F(#,=dd#*A$L>
RGD+C((9+3@.#/
*&UM0*+,<(MA$
G%F(0#@DM+Fb
1.1.2.3. Đối với hoạt đông của doanh nghiệp
c?(0#,@9@0LF(D
+F0G*@/9+0L
F(#$?>8F(OLX+@A$L+0
G*@0>RG*+<R450(J!"9
+%+0&D+++.#
+0>G##!=#!1F0L
F(9GT3#!1X,A$0/‚6‚ƒ
!"0H‚5@3(1G*A$L
LF(9@G+?+^33(10@
9+>6.+/++G*+<R45#dCp+DY9
@G*A$L+9,LY0>
[]
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
[]
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
1.2. Chỉ tiêu đánh giá hiệu quả hoạt động cho vay với khách hàng doanh nghiệp
của ngân hàng thương mại

1.2.1. Quan niệm hiệu quả hoạt động cho vay
RF&+M0(J0,90+%++
(Y"(+?3!?(0#@3(!=2!<!?
#,=dgG+(0#+I0(J9
3(1+9++"(ULF(2!GU
0LF(#!?#+L3+?>
RF&+!"ATd0Nr
t+?rRF&+!"AT#,\(!=LFM
++Mg+>_F+
!"%+Mg"-0J !"
F&++!"G>
t+?LF(++r*+F&(
0@+!"*+3(1-'(G
*A$!"G*'@*@G N#!D
!"#D'(LF((!=0A$L
ML"+#"'G>
t+?%@r+F&a((9&@DM+F
!1*'pL3+-0d
#*A$LI0%&@M#!dI
M#!d.LX+M#!d@>
1.2.2. Các chỉ tiêu đánh giá hiệu quả hoạt động cho vay với khách hàng doanh
nghiệp của ngân hàng thương mại
1.2.2.1. Nhóm chỉ tiêu định tính
_+0(J!"9+0
D‚4X++=D‚7!=J+"
G%F0+M^"
D‚_0C+?(X+X+,
D‚6$!".LX(gG+(0#>
60+(Y"(+?M.+3!?L
[`

SV: Nguyễn Thị Thu Hằng Lớp: K47H4
[`
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
D‚69+'&#/.LX&
#/p3=&&U!?D‚
c%(.A *rG*.LX((+M
#!d(0#@A *F!"0X,!? %
#>60+(Y"(+?#!=(0#j,3
(!=D‚6((9&@DM+FL!#+Y
D‚60!"I%M 3(!=+'$@
3(!=(0#D‚
1.2.2.2. Nhóm chỉ tiêu định lượng
 Nhóm chỉ tiêu về tăng trưởng tín dụng-
- Doanh số cho vay: x^%L!?/J@
NN#*1$3>8+FA
!?G*+d#*„(!D(
j,e3!"F&+<R45+/%L
+M&0J"(UaLS@$M>c$%C(X
*+%@!%%F%@#
*1•$3>
- Doanh số thu nợ: ^%^-0
#*1/$3>
- Dư nợ cho vay:% !^+%>
8!"+…8!"9•~8+#•t8"#
•
- Tốc độ tăng doanh số cho vay được tính theo công thức sau:
4*ML+…vw†[mm
- Tốc độ tăng dư nợ: j,(0&D+M#!dG*
+,LY>4^L!"++M#!dD&-
1•$ G!".+?0>4,JM

#!d+((Y"(+?M+%+&U0
#Y#2!0g+%!1DF>cFM#!dL!".
LX+!"&0Mg+%!1DF>cFM#!dL!"
.LX+!"&0Mga%p#Y#+%
++FD%F+%g0Na0
+a!dA$@$!"+>
[o
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
[o
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
4*ML!"…vt[w†[mm
 Nhóm chỉ tiêu phân tích chất lượng tín dụng.
- Nợ quá hạn:%0!#+ 
0G"(g.LXD=AGN%j•G
+?,"(U><@"&0G@qF#^L!"%
J##(a3>
6j,"&G*#Ij,&#H00$!"
+>6j,?FX+%
L$!".LX3'>6j,‡[>
4qF"&0G…
4&3<R<</qF"&0G#,^L!"ˆzmn!"A
@T@jdJL!?on!"
00F(+X.LX$!"+>
Phân loại nợ
<"[v",pwrg"#G!"00M
^+ 'G+0"(0#!=!r0
# @+$(00"&0GL!?
[m>
<"\v"9'Uwr0"-[m@L!?]m‰+0
"=$G1G#"99>

<"]v"L!?,pwr0"&0G-]m@L!?•m‰
0"=$G1G#"99&0GL!?]m1G#
" !"=$G99‰+0"!"QN L
DM# 9"(g.LX>
<"`v"1$+wr0"&0G-•m@L!?[lm
‰0"=$G1G#"99&0G-]m@L!?•m
1G#" !"=$G99‰+0"=$G1
G#"9J\>
<"ov"M$+wr0"&0G-[lm#d,‰0
"=$G1G99&0G-•m#d,1G#"
!"=$G99‰0"=$G1G#"9‰0"
=$G1G#"9J]#d,!3&0GN &0G>
[u
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
[u
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
- Nợ xấu: G&@3`•]{\mmo{;t<R<<\\{m`>\mmo<R<<!
rf"A$I"!"(G+]v"L!?,pw
`v"1w"ov"M$+wh>
4qF"A$…A[mmn
6j,00F&.LX!1$!".LX>
j,$($!".LX>
- Chỉ tiêu vòng quay vốn tín dụng: cC&+.LXLY!1*
+.LX><$1g"
>P+?•#!?@+C&+.LXN*+C
&+.LXJB*&+C+.LX#•M
++F!++A$LGF&>
cC&+.LX…
- Chỉ tiêu: doanh số thu nợ/ doanh số cho vay (%): C!"HF"
+Y00M"0#"02!

+FOLXG#*1$3>6j,
(0M">
- Hệ số khả năng bù đắp các khoản cho vay bị mất
RFMY(0
+3$
=
60F(?=NW[><@‡[FDY(
!""DMg>
- Hệ số khả năng bù đắp rủi ro tín dụng
RFMY(##.LX…
 Nhóm chỉ tiêu phản ánh khả năng sinh lời từ hoạt động cho vay DN
- Thu nhập từ lãi trong kỳ
- Mức tăng trưởng từ lãi ttrong kỳ
tTỷ trọng thu nhập lãi/tổng thu nhập
4qF1-+
_R8<
…A[mmn
6j,@J[gL!"+08<aG#,
g(9<>6j,(0#@(F&+
8<@M1G*+8<><@j,
[z
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
[z
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
JB0+8<GM1<R>c!"G
@j,$(JBG*+8<!>
1.3. Nhân tố ảnh hưởng đến hiệu quả hoạt động cho vay khách hàng doanh
nghiệp của ngân hàng thương mại
1.3.1. Từ phía ngân hàng
 Chính sách tín dụng

6.0.LXF0+M(0!=k#"
*W!?LS0*.LX++,
M!1,D#(..LXG#$#
G*.LXWG@##+0M1>
+?.LXDG*@q#H$
#=$+=$(!2g1G*(JG(
+%p%##$>Ed+X,MF&
0##>70#%+I0(J0,p(0(.$@
(AL*.0.LX$&0+"(U+?N*G+
.NYF(0!"0@G(X+G@!"0
@WX,+">
6.0.LX=d0*.LX+0&U
#0&@3++LX+>
4-+#C&#H+?G*.LX.0.
LX!d?@F&+>5*.0.LX(Y"(a
'(G*+##$!"+
LF&0+!"‰!"G*.0.LX
@.A0+"(Up+/#GN=
(0>5*.0.LX!"00F@!"AL
(Y"(+?X,^#-1/F!"+#C
3!?G*.LX0(J!"9+%
@>
 Quy trình thẩm định cho vay, thời gian xét duyệt khi nhận được đơn xin vay
vốn của khách hàng.
[l
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
[l
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
4p3+&#H$#&#/++=d
0*.LX+=&&U&@#&@3+D>8+

$!"p3+=d9,00$!"*+
-a&@3.F&+>
41ATLF!"=A++0r1
ATLF!"=A++*#I@
00$!"G*+0*#@(,!1O
LXL3+X>41ATLF$(+a0
C=>4,D+/@!"B&0!?#&#/ATLF>
Š'1ATLF!+S(+
>
<!1#+/!1H
*>4#G*.LX2+0*.LX!1+#C&@
3@..A00&@3++/H!1#@(#‹+%
0$>c/@0*.LXa!d@$!"
++L+!d@F&+>
6$!"0*.LX!"00#,,.#/*F(+X+G
J%F(r
t 4#/*F(+X0*.LX*#%F9F
&+>4#/*F(+Xg@J,D+F
Q>;!d@Mp3.LX+#&@3
+>
t GJ%F(0*.LX%F,&@G
*+GF&>
 Chất lượng hệ thống tín dụng:
4D9+HG*>+?GD.LXD
UkC>8+$!"D+#C&#H#+F
A03..A 0(.+=d+F#&@3>
6$!"D!"00&M(D*.A0
g>
 Công tác tổ chức và quản lý
[•

SV: Nguyễn Thị Thu Hằng Lớp: K47H4
[•
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
4^J+&U&#H#HG*>c?G
*.LX^J+&U+#C&@3@.,
F(+F&G*.LX>
6D0^J+&U@!"("(FNaa((9
##+F&>
 Cơ sở vật chất trang thiết bị, sản phẩm dịch vụ của ngân hàng.
6=d+$#@3*@0&#H#G*
!=G><!' @LL3+XN
FLk+%F,9.A0
FD!"N##$0k+G*>8+
0#@3FGa'(.#$%G*(
(9$!"L3+X/„(+%
0>
P(pL3+Xr0L3+X#IM9
(0#0Ga'!"%0OLX0L3
+X>+?G*L+F,J/
@(0#0(pL3+X?#$%Uk><'(
L#/^3!"02+'!"%=
!"0?>4-!"!1LY@@%=+
L>
 Tình hình hoạt động sản xuất kinh doanh của ngân hàng trên địa bàn hoạt
động, khả năng cạnh tranh với các ngân hàng khác cùng địa bàn hoạt động.
6G#@DD.@#&0#/G*
>x*L#k+L3+X,G#LQ##$
>8+0D-!#0(pL3+X?@
=$!"L3+X/MG#'
0/>

1.3.2. Từ phía khách hàng
_0.0"#G*
+>8+0!d?@F&G*+
\m
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
\m
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
>!d0AT#,.GM+U.#
"0>
_M#"gr%.#G+@&G*
L0LF(
Œ.#"+GJ0r+FLF(OLX++
'X.D‚_0#F.#+F$(0
DD‚
1.3.3. Nhân tố khác
 Môi trường pháp lý
t 5D#!1(0(UgF0.0(0(!"
WG(0(U+F&UG*0^J>
t+?*k+L!d?#%@
L+G*D300@J0(0(>
t5D#!1(0(U0*#$?@G*!0&
3+%0jF&D?G+>>>
 Môi trường kinh tế
5D#!1@!d#$?@G*#,+
G*+>8N.*^JL
#,k+%FG*L#$G+?I@
*@+kD>
+?G*+#,D#!1@0*
@G*!?r
t4J$0*#@(@!d@M++

* A$++*.0+>
t4J0*@0.">8G
*LH30*#@(dD#!1@>
P(0#%@!d#$?@G*L
+G*+#,G#D#!1#$"
d#*G*+>E$J*<23(
0•@>4#G%@(0#^3LF(
M/A *%9d#*G*A$L,9
\[
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
\[
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
++M><!"G%@0LS@%@M$(
X+%@LL!-JH+DIG*
+D!"d#*C3„(>
8<D(L‹I@*@!#3
!?@!"L(Y"(#-1•
 Lãi suất cho vay
<LG0J $(Y"(+?-G0
-•G++.00$(LS/'!"0
X,d#*G*+><!@ $D(Y"(
&0&0$(D $! /aD'!"%0
+!+aG@G*+>
 Đối thủ cạnh tranh
60<!=GG*#D#!1%G
#>6G#**F+/
(0#/D(D/X+?
G#+(M!10G*/+!"G
#>4,0H/O%OLXL3+X+
+%"H><@!G#@!@

=/a'%0=.02
G#>8d#*G*+/+F,
J/G#@!@=+DY&#H>
\\
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
\\
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
CHƯƠNG II: THỰC TRẠNG HIỆU QUẢ HOẠT ĐỘNG CHO VAY KHÁCH
HÀNG DOANH NGHIỆP TẠI NGÂN HÀNG TMCP DẦU KHÍ TOÀN CẦU –
CHI NHÁNH QUẢNG NINH GIAI ĐOẠN GIAI ĐOẠN TỪ NĂM 2012 – 2014
2.1. Tổng quan về ngân hàng TMCP Dầu khí Toàn Cầu – Chi nhánh Quảng Ninh
2.1.1. Giới thiệu chung về ngân hàng TMCP Dầu khí toàn cầu – Chi nhánh
Quảng Ninh
Tên đầy đủ: Ngân hàng Thương mại Cổ phần Dầu khí Toàn Cầu
Tên giao dịch quốc tế: y7>Eƒ<_>
Loại hình: <!=G^(9>
Thành lập:mz{[[{\mmo&@3]z\{;t<R<<mz{[[{\mmo
Trụ sở chính:P[m•4#9R!G;R_@R<*
Websiter•••>(t>>+, V: Ž•(t>>+
<456789.469vy7>Ew%!=G
DD<E/ .J^D/G*-*
DDD3-mz{[[{\mmo>4-*^D0R<*!9
[m+,0[[{\mmo@y7>E AL!"**2[`mm
+,#€#,F(+F#FG!?glm
0{(CL3y7>E#,&G0j{(@#H
rR<*4(Rg6.5<E/R7Cc24<ib4
1y7>E e3#!d+GI$!"„(+%
N/G3#!1.:%FcF<>
<!=G^(989.469t0;<=+3
#*<456789.469>

3j: !1\o0`7!1EGW4(RGx4j;
<cF<
5 @r\zmm[[]uo[tm\u>
y$(T(Lr\zmm[[]uo[tm\ut$(r\u{m•{\m[[>
<!=G^(989.469t0;< 
0?!"!+G*L +($$-!?
\]
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
\]
BAN GIÁM ĐỐC
Phòng hỗ trợ n dụng Phòng hành chính – tổ chức
Phòng kế toán tài chính giao dịch & kho quĩ
Phòng quan hệ khách hàng
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
AL+#!dLF#,0N*g+M#!d9
!+$!".LX%Nd#*&F@
G+0G*0>
2.1.2. Cơ cấu tổ chức
Sơ đồ 2.1: Cơ cấu tổ chức của GP.Bank - chi nhánh Quảng Ninh
Các phòng ban có các chức năng, nhiệm vụ cụ thể như sau:
 Ban giám đốc:
t y00%HG*E0y0
0FF+X&%G/&3(0(+
$(#,+3#0F+%HG*L0>
t70!1+$!#"'(y0#&0#/&U
%G*L#(G+(T(!"OFy0
>70&%Ny0#&@3+3#0F
(0(U#!?0&@3>
Phòng quan hệ khách hàng:
Egr.LX0&@g+L%F>

t4! G0AL@GL&U
Mg1%A$0F(0($(>
\`
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
\`
Khóa luận tốt nghiệp GVHD: TS. Nguyễn Thị Minh Hạnh
t4#@(F0F(+XL(G+(D
Phòng hỗ trợ tín dụng :
t63#0F#.LX!+$0OLX(p
.LXL3+X+LX+%0+$%,&>
t<,JAL@!"0.LX(G0+%
A$0.0! +?-G0>
Phòng hành chính – tổ chức:
t4! GALg0D&+F
%A$%#0,pLX0*Gg(X+XG
*LAL0@*&U0*&U@*
!dq0*D+,>
Phòng kế toán giao dịch và ngân quỹ:
t4FD00%#!?+&@‰G0
%O%+•(@#0(@+F0L3+XGU0I
0+0^J.LX0^J@"(g'@*
g1$(DFD00#0>
2.1.3. Đánh giá chung về tình hình hoạt động kinh doanh của ngân hàng TMCP
Dầu khí toàn cầu – Chi nhánh Quảng Ninh
2.1.3.1. Tình hình hoạt động huy động vốn
<!!=G0G*@+‹
!=G^(989.9:0;<G**
++>RG*@q#H?#^+g+
>RG**++#C.#+FMg
+LX>

60DA03!"9&#HD0*+>0(
J9+A$L0(9@#,3
0 .*#0g+!#%/J
*(Y"(+?H9?(L!OLX%/J@(30
\o
SV: Nguyễn Thị Thu Hằng Lớp: K47H4
\o