PHÂN TÍCH CÁC YẾU TỐ TÁC ĐỘNG ĐẾN HIỆU QUẢ HOẠT ĐỘNG CỦA HỆ THỐNG NGÂN HÀNG THƯƠNG MẠI VIỆT NAM LUẬN VĂN THẠC SĨ.PDF

:
: 60340201

TPHCM - 2013


Tr

PGS. TS Tr

ng.

Tr


TRANG PH

M CL C
DANH M C
L IM

NG BI U

U ......................................................................................................... 1

1.

.............................................................................................. 1

2. V

u: ........................................................................................... 1

3. M

u:......................................................................................... 2

4.

u:.................................................................................. 2

5. Ph

u: .................................................................... 2

6. N
7.

u: ........................................................................................ 2
a lu

........................................................................................ 2
NV

HI U QU

HO

NG

C A NHTM............................................................................................................ 3

1.1.
1.1.1.
1.1.1.1.

n.............................................................................................. 3
T ng quan v

i .................................................. 3

i ni m............................................................................................. 3

1.1.1.2. B n ch t c

i.................................................... 3

1.1.2. Hi u qu ho

ng c a NHTM .............................................................. 4

1.1.2

m hi u qu ho

1.1.2

ng ............................................................ 4

i hi u qu

u qu ho

ng c a h th ng

NHTM ............................................................................................................... 5
n hi u qu h

ng c a NHTM ................ 6


.................................................................... 7
ng kinh t

c ................... 7
............................................................................ 8

1.2.1.

ch quan: ...................................................................... 9

1.2.1.1.

a NHTM ............................................................ 9

1.2.1.2. Kh

i ................................................................................. 9

1.2.1.3.

c qu n tr

1.2.1.5.

, ch

................................................................ 9
ng c

1.3.

ng .......................................... 10
u qu ho

ng c a h th ng

NHTM ................................................................................................................ 10
1.3.1.

c ................................................................ 11

1.3.2.

............................................................... 11

K T LU

..................................................................................... 15
N HI U

QU HO

NG C A NHTM

2.1. Th c tr ng hi u qu ho
2.1.1. Th c tr ng hi u qu ho

VI T NAM ............................................ 17
ng c a h th

t Nam .... 18

ng c a h th

Vi t Nam

............................................................................................... 18
2.1.2. Th c tr ng hi u qu ho

ng h th

Vi t Nam giai

n 1991-1999 ............................................................................................... 20
2.1.3. Th c tr ng hi u qu ho

ng c a h th

Vi t Nam giai

n 2000-2005 ............................................................................................... 26

2.1.4. Th c tr ng hi u qu ho
n 2006

t Nam giai

2012 ............................................................................................ 31

2.2. Nh ng h n ch c a h th
ng hi u qu
NHTM Vi

ng c a h th

t Nam hi n nay ............... 37
n hi u qu c a h th ng
ng ......................... 40


u ....................................................................... 40
2.3.2. D li

u ................................................................................ 41
u .............................................................................. 41

2.3.4. K t qu

u th c nghi m .......................................................... 45

K T LU
CH

..................................................................................... 51
3: GI

U QU

HO

NG C A H

TH NG NHTM VI T NAM .............................................................................. 52
u qu ho

ng c a h th

t Nam trong th i gian t i .................................................................. 52
3.1.1 Gi

................................................. 52
......................................................... 52
gi

t Nam ............................................ 53

3.1.2. Gi

............................................................... 54
.............................................................. 54

3.1.2.2. Hi

n

ph m, d ch v

id
ng chi

k thu

n ....... 56

n ph m d ch v cung

c

ng ph c v truy n th
c d ch v m i ............................................................................... 57
c qu n tr
ng h th ng k

................................................ 59
p v i h th ng k

c t .... 60

........................... 61
3.1.2.7. X

m n x u ...................................................................... 62

3.2. Ki n ngh v vi c h tr

u qu ho

ng c a

NHTM

Vi t Nam ........................................................................................... 63

K T LU

..................................................................................... 65

K T LU N ........................................................................................................... 66


U THAM KH O
Danh m

u ti ng Vi t

Danh m

u ti ng Anh

PH L C
Ph l c 1: U

i u qu ho
n ph thu c (TOC) b

Ph l c 2: U

n

p c n hi u qu
u qu ho

n ph thu
Ph l c 3: K t qu
th

ng c a h th ng

ng c a h th ng

p c n hi u qu
u qu ho

n ph thu

ng c a h

p c n hi u qu theo l i

nhu n.
Ph l c 4: K t qu
h th

nhu n.
Ph l c 5: B

u qu ho
n ph thu

ng c a

p c n hi u qu theo l i


NHNN:


1990 ........................................................................................................................ 19

.............................................................................................. 21
-1999
................................................................................................................................ 22

1996 ........................................................................................................................ 23

1993 1996 ............................................................................................................ 23

1997 ....................................................................................................................... 24

1999 ............................................................................................... 25
-2005 ............. 27

2000-

............................................................................................... 28

- 2005. ................................ 29
t Nam
................................................................................................................................ 30

................................................................................................... 31

2006 2012 ............................................................................................................ 32


- 2012. ............................... 35
... 36
.............................. 28
2010
................................................................................................................................ 32


1

1.
H i nh p kinh t qu c t

ng t t y

i v i b t k qu
ti

n hi

c t o ra nh ng thu n l

tham gia h i nh

i nh

c gia

c nh

nh .
L

i nh p kinh t qu c t

hi p c

c gia

th
doanh m i v i nh

ng kinh

c c nh tranh gay g

i th

s c.
T th c ti

n

nh
u qu trong ho

n h i nh p hi
hi u qu ho

ng c a h th ng NHTM Vi t Nam trong giai

t

ng gi

ng c a h th

tv

ch

t th c nh
c p thi

U T

HO

N HI U QU

NG C A H TH NG NHTM VI T NAM

2.
u qu c
-

Hi u qu ho

-

Th c tr ng ho

nt
ng c a h th
ng hi n nay c a h th ng NHTM Vi

-

n hi u qu ho
Vi

-

Nh ng gi

-2011.

ng c a h th ng NHTM

i nh p?
n ngh

c a h th ng NHTM Vi t Nam?

u qu ho

ng


2
3.
T

i m t s qu

t ng h p l

ut

gi

n hi u qu c a h th

ng m

n hi u qu c

t

Nam.
4.

u:

Lu

ch y u s d

gi i

quy t v

d
n hi u qu ho

ng c

t

d
n hi u qu ho

ng
ng c a h th ng NHTM.

5.
c th c hi n d

n s li u v hi u qu ho

ng

c a 30 NHTM Vi t Nam t
6.
-

Nam.
7.
n vi

ng gi

t th c, kh thi nh m

b
m quy
hi u qu ho

ts
ng c a h th ng NHTM Vi

c gi i quy
n hi n nay.


3

1.1.
1.1.1.
1.1.1.1.

1.1.1.2.

-


4
-

ng,

1.1.2. H
1.1.2.1.

(i)

kh
(ii)

-


5

1.1.2.2.
NHTM


6

(i)

-

(ii)

1.2.


7

.
1.2.1.
1.2.1.1.


8

1.2.1.2


9

1.2.1.

1.2.1.1.

1.2.1.2.

1.2.1.3.

10

1.2.1.4.

1.2.1.5.

1.3.
NHTM


11
1.3.1.

s

1.3.2.


12

-

heo

Wahyoe Soedarmono, Fouad


13

Sophocles N.Brissimis, Manthos D. Delis, Nikolaos I. Papanikolaou (2008)

.
it


14


15


16

- 2011.