Nâng cao hiệu quả tín dụng tại Ngân hàng TNHH Indovina Chi nhánh Đống Đa trong tiến trình hội nhập kinh tế quốc tế











- 



: 60 31 07



 TS. 




 2013



 i
 ii
 ii
 1

1 








 









 






7

 7
1.1.1. Khái niệm Ngân hàng Thương mại. 7

1.1.2. Hoạt động tín dụng của Ngân hàng Thương mại. 8
1.1.2.1. Khái niệm về tín dụng ngân hàng. 8
1.1.2.2. Bản chất của tín dụng. 9
1.1.2.3. Các hình thức tín dụng. 9
1.1.2.4. Các chỉ tiêu đánh giá chất lượng tín dụng. 13
1.1.2.5. Các nhân tố ảnh hưởng đến chất lượng tín dụng. 19
1.1.2.6. Vai trò của tín dụng ngân hàng thương mại đối với nền kinh tế. 26
1.2. 










. 29
1.2.1. Khái quát về hô
̣
i nhâ
̣
p kinh tê
́
quô
́
c tê
́
. 29

1.2.1.1. Khái niệm. 29

1.2.1.2. Hội nhập kinh tế quốc tế là một xu thế tất yếu lớn của thời đại
ngày nay. 31

1.2.1.3. Lợi và bất lợi của hội nhập kinh tế quốc tế. 34

1.2.2 Hội nhập kinh tế quốc tế trong lĩnh vực Ngân hàng. 36
1.2.2.1. Yêu cầu cơ bản về hội nhập quốc tế trong lĩnh vực Ngân hàng. 36

1.2.2.2. Xu hướng của quá trình hội nhập quốc tế trong lĩnh vực ngân
hàng. 39

1.2.2.3. Tác động của hội nhập kinh tế quốc tế trong lĩnh vực ngân hàng
đối với các nước đang phát triển. 41


TNHH INDOVINA -        
 47


    ÂN HÀNG TNHH INDOVINA - CHI NHÁNH
 47
2.1.1. Lịch sử hình thành và phát triển. 47
2.1.2. Cơ cấu tổ chức. 49
2.1.3. Tình hình hoạt động kinh doanh nói chung của Ngân hàng TNHH
Indovina - Chi nhánh Đống Đa trong các năm 2010, 2011 và 2012. 50
2.1.3.1. Về huy động vốn. 50

2.1.3.2. Về sử dụng vốn. 53

2.1.3.3. Các công tác khác. 56

          
INDOVINA -  58
2.2.1. Quy trình nghiệp vụ tín dụng mà Ngân hàng Indovina - Chi nhánh
Đống Đa đang áp dụng. 58
2.2.1.1. Quy trình nghiệp vụ tín dụng với khách hàng cá nhân. 59
2.2.1.2. Quy trình nghiệp vụ tín dụng với khách hàng doanh nghiệp. 60
2.2.2. Thực trạng hoạt động tín dụng tại Ngân hàng TNHH Indovina - Chi
nhánh Đống Đa - Phân tích theo các chỉ tiêu định tính. 70
2.2.3. Thực trạng hoạt động tín dụng tại Ngân hàng TNHH Indovina - Chi
nhánh Đống Đa - Phân tích theo các chỉ tiêu định lượng. 71
2.2.3.1. Chỉ tiêu doanh số cho vay. 71

2.2.3.2. Chỉ tiêu tỷ lệ nợ quá hạn. 75

2.2.3.3. Chỉ tiêu vòng quay vốn tín dụng. 77

2.2.3.4. Chỉ tiêu thu nhập từ hoạt động kinh doanh. 78

2.2.3.5. Chỉ tiêu hiệu suất sử dụng vốn tín dụng. 79

          
INDOVINA - 
2012. 80
2.3.1. Những kết quả đạt được. 80
2.3.2. Những hạn chế và nguyên nhân. 83
2.3.2.1. Những hạn chế về chất lượng tín dụng. 83

2.3.2.2. Nguyên nhân của những hạn chế. 86

           
NGÂN HÀNG TNHH INDOVINA  
 90

INDOVINA   90


3.1.1. Dự báo các yếu tố tác động tới hoạt động tín dụng trong thời gian tới.90
3.1.1.1. Xuất hiện các nhân tố thuận lợi cho các doanh nghiệp Việt Nam
và các doanh nghiệp có vốn nước ngoài. 90

3.1.1.2. Cơ cấu thành phần kinh tế thay đổi. 90

3.1.1.3. Chủ trương nâng cao quyền tự quyết, tự chịu trách nhiệm của
các NHTM trong đầu tư cho vay. 91

3.1.1.4. Nhu cầu vốn của nền kinh tế là rất lớn. 91

3.1.1.5. Mức độ cạnh tranh trong cho vay giữa các NHTM ngày càng trở
nên gay gắt. 92

3.1.2. Phương hướng và nhiệm vụ của tín dụng. 93

NGÂN HÀNG TNHH INDOVINA- 94
pma
HÀNG TNHH INDOVINA- 96
3.3.1. Giải pháp về marketing. 96
3.3.2. Chính sách tín dụng. 97

3.3.2.1. Chính sách khách hàng. 97

3.3.2.2. Chính sách lãi suất. 99

3.3.2.3. Về phương thức cho vay vốn. 100

3.3.2.4. Về chính sách đảm bảo tiền vay 101

3.3.3. Quy trình tín dụng. 101
3.3.3.1. Kiểm soát hồ sơ cho vay. 101

3.3.3.2. Nâng cao chất lượng công tác thẩm định 103

3.3.3.3. Nâng cao hoạt động kiểm tra, kiểm soát của Ngân hàng. 107

3.3.4. Phòng ngừa rủi ro ngoại tệ. 108
3.3.5. Nâng cao trình độ cán bộ công nhân viên, có định hướng phát triển
nguồn nhân lực 108
3.3.6. Chính sách huy động vốn. 109
 111
3.4.1. Kiến nghị đối với Ngân hàng TNHH Indovina. 111
3.4.2. Kiến nghị đối với Ngân hàng Nhà nước. 113
3.4.3. Kiến nghị đối với Nhà nước. 116
 117
 118




i

& 
TT


1.
AFTA

2.
APEC
- 
3.
ASEAN

4.
ASEM

5.
ATM

5.
CNH - HDH
- 
6.
EU
Liên minh châu Âu
7.
GDP
 
8.
HNKTQT


9.
IVB
Ngân hàng TNHH Indovina
10.

Ngân hàng TNHH Indovina - 
11.
L/C

12.
NHNN

13.
NHTM

14.
PGD

15.
TNHH

16.
USD

17.
VND

18.
WTO




ii

STT

Trang
1
          
Indovina - 
51
2
          
Indovina - 
53
3
- Chi phí - 
56
4

72
5

75
6

77
7


79


Tên hình
Trang
Hình 2.1
hàng TNHH Indovina - 
78





1

.


  thành


 






















 










 y: T        
             
ASEAN (AEC); K 13/07/2000 và 













(WTO) 11/01/2007.


 

            
.



g 

           







2

nay.



 


       


          
TNHH Indovina   
- 
ngh IVB 


 IVB       

              phân tích
  
hàng Indovina - 
 







,  




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


Ngân hàng TNHH Indovina  


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
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








 



.

3



              


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
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
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



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
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
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



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
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
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


: C


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 mang tên 
 ,  


 
S.Rose- 


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

,  : 

























  






, MS: B2001-22-09  (2003). 































sau



 































.
Hai là, 
              
Trang  ; 
pháp - 
- 

Tuy nhiên, 


















 


4


  tr











 , 










, 















 








 - 




 










.

3.1. Mục đích nghiên cứu:








 


IVB 
KTQT 

3.2. Nhiệm vụ nghiên cứu:


 








:


, h
IVB 


, IVB 

, 


4.1. Đối tượng nghiên cứu.


 
hàng TNHH Indovina - 


5
4.2. Phạm vi nghiên cứu.













 IVB  trong






 g 
  2010, 2011 và 2012.

 
- 
 
- 


- 

Ngân hàng TNHH Indovina - 

  

- 


TNHH Indovina - 
6. N

IVB 


NHTM 


6


- 1: 





 




.
- 2: 








 






 .
- 3:  








Indovina  





 .

7









  








 










          

1.
 





 [7, tr. 03]


pháp l


 




.






8

             





               ,




 

1.1.2.  
1.1.2.1. Khái niệm về tín dụng ngân hàng.
            
và nghi


  
h




- 




9



 
    




 

1.1.2.2. Bản chất của tín dụng.



n






1.1.2.3. Các hình thức tín dụng.





10
- 






 

  








-  
 ho vay k

-   

 

tho
 




11
-  










- 
 

 







 
       

           




12
         


  
 

 



 
 


              

và uy tín.
 
 


 




 



13
1.1.2.4. Các chỉ tiêu đánh giá chất lượng tín dụng.



-       


- 




-            

úc
  















14
 




               


Bank Khách


úc.








 



K 






15

.
 
mình cho ngân hàng

                  




 an toàn 





 
 









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


16

á
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17
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         


ó.

             








18




 


     
 













hàng. 





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* 100%



19
ix) Lãi treo.
  
 Lãi



 


1.1.2.5. Các nhân tố ảnh hưởng đến chất lượng tín dụng.

chính ngân hàng c
khách quan khác.





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              


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
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
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