XÂY DỰNG NGÂN HÀNG TMCP CÔNG THƯƠNG VIỆT NAM TRỞ THÀNH TẬP ĐOÀN TÀI CHÍNH - NGÂN HÀNG.PDF

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ậ NGÂN HÀNG





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TP.  N 2012
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




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MCăLC





PHNăMăUă Trang

CHNGă1:ăTNGăQUANăVăTPăOĨNăTĨIăCHệNHăậ NGÂN HÀNG 1
1.1ăNHNGăVNăăCăBNăVăTP OĨNăTĨIăCHệNHăậ NGÂN HÀNG 1
1.1.1ăKháiănimătpăđoƠnătƠiăchínhăậ ngân hàng 1
1.1.2ăMcătiêuăvƠăcácătiêuăchíătrăthƠnhătpăđoƠnătƠiăchínhăậ ngân hàng 1
 1
 2
 3
1.1.2.4  3
 3
 4
 4
  5
1.1.3ăVaiătròăcaătpăđoƠnătƠiăchính - ngân hàng 5
 5
 6
 6
1.2ăMỌăHỊNHăTăCHCăCAăCÁCăTPăOĨNăTĨIăCHệNHăậ NGÂN HÀNG 7
1.2.1ăTheoăsăchuyênămônăhóa 7
1.2.1.1. Chuyên môn hóa theo vùng lãnh th 7
1.2.1.2. Chuyên môn hóa theo khách hàng 7
 8
1.2.2ăTheoămiăquanăh,ăphơnăquyn 8


 8

- công ty con: parent  subsidiary relationship) 9
 10
1.3ăCÁCăNHỂNăTăNHăHNGăNăVICăXỂYăDNGăTPăOĨNă
TÀI CHÍNH ậ NGÂN HÀNG 14

1.3.1ăăNhơnătăvămô 14
1.3.1.1 M 14
 14
 15
1.3.2ăNhơnătăviămô 15
 15
 15
 16
 16
 16
 16
 17
 17
 17
1.4ăKINHăNGHIMăVăXỂYăDNGăMTăSăTPăOĨNăTĨIăCHệNH
ậ NGỂNăHĨNGăTRểNăTHăGIIăIăVIăVITăNAM 18
1.4.1ăMtăsătpăđoƠnătƠiăchínhăậ ngơnăhƠngătiêuăbiuătrênăthăăgii 18
  18
 ngân hàng Oversea Chinese Banking Corporation 
OCBC (Singapore và Malaysia) 19
 - BOCHK 21
 ngân hàng HSBC Holdings 23
1.4.2ăNhngăquyăđnhăvăthƠnhălpătpăđoƠnătƠiăchínhăậ ngân hàng 24


1.4.3 BƠiăhcăkinhănghimăkhiăxơyădngătpăđoƠnătƠiăchínhăậ ngơnăhƠngăă
VităNam 25
KTăLUNăCHNGă1 29
CHNGă2:ăTHCăTRNGăVăKHăNNGăTRăTHĨNHăTPăOĨNă
TÀI CHÍNH ậ NGỂNăHĨNGăCAăNHTMCPăCỌNGăTHNGăVITăNAM 30

2.1ăTNGăQUANăVăNHTMCPăCỌNGăTHNGăVITăNAM 30
2.1.1ăGiiăthiuăvăNHTMCPăCôngăThngăVităNam 30
2.1.2ăLchăsăhìnhăthƠnh 31
2.1.3ăVnăđiuăl 32
2.1.4ăCăcuătăchc 33
2.2ăSăCNăTHITăCAăVICăXỂYăDNGăNHTMCPăCỌNGăTHNGă
VITăNAMăTRăTHĨNHăTPăOĨNăTĨIăCHệNHăậ NGÂN HÀNG 39
2.2.1ăPhnăánhăxuăhngăkháchăquanăcaănnăkinhăt 39
2.2.2ăNhuăcuăniătiăcaăNHTMCPăCôngăThngăVităNamă 40
2.2.3ăLiăíchăcaăvicăhìnhăthƠnhătpăđoƠnătƠiăchínhă- ngân hàng 40
 40
 41
2.3ăTHCăTRNGăVăKH NNGăTRăTHĨNHăTPăOĨNăTĨIăCHệNHă
ậ NGỂNăHĨNGăCAăNHTMCPăCỌNGăTHNGăVITăNAM 41
2.3.1ăThcătrngăhotăđngăcaăNHTMCPăCôngăThngăVităNam 41
 41
 44
 53
 54
 55
 55
 56
2.3.2ăKtăquăđtăđc 56
2.3.3ăHnăchă 58


2.3.4 Nguyên nhân 60
2.3.4.1 Nguyên nhân khách quan 60
 60
2.3.5ăánhăgiáăkhănngăNHTMCPăCôngăThngăVităNamătrăthƠnhă

tpăđoƠnătƠiăchínhăậ ngân hàng 61
 63
 64
 64
KTăLUNăCHNGă2 66
CHNGă3:ăGIIăPHÁPăXỂYăDNGăNHTMCPăCỌNGăTHNGă
VITăNAMăTRăTHĨNHăTPăOĨNăTĨIăCHệNHăậ NGÂN HÀNG 67
3.1ăMCăTIểUăCHINăLCăCAăNHTMCPăCỌNGăTHNGă
VITăNAMă 67
3.1.1ăMcătiêuăchinălcătngăth 67
3.1.2ăăMcătiêuăchinălcăcăth 67
 67
3.1 67
 67
 68
 68
 68
3.1.3ăăMtăsăchătiêuăkinhădoanhăVietinBankăđăraăđătrăthƠnhătpăđoàn
tài chính ậ ngân hàng 68
3.1.4ăăLătrìnhăthcăhină 69
 69
 69
 69
3.2ăXỂYăDNGăTPăOĨNăTĨIăCHệNHăậ NGÂN HÀNG NHTMMCP
CỌNGăTHNGăVITăNAMă 70


3.2.1ăMôăhìnhătăchc 70
3.2.2ăCácălnhăvcăhotăđngă 72
 72

 73
 74
 74
3.3ăGIIăPHÁPăXỂYăDNGăNHTMCPăCỌNGăTHNGăVITăNAMă
TRăTHĨNHăTPăOĨNăTĨIăCHệNHăậ NGÂN HÀNG 74
3.3.1ăiăviăNhƠănc 74
 74
 76
 76
3.3.2ăiăviăNHTMCPăCôngăThngăVN 79
 79
 79
3 80
 81
 81
 82
 85
 87
ng 88
3.3.3ăiăviăcácăcôngătyăconăcaăNHTMCPăCôngăThngăVităNam 89
KTăLUNăCHNGă3 90
KTăLUN 91
TĨIăLIUăTHAMăKHO
PHăLC




DANHăMCăCÁCăCHăVITăTT
 

 
 
H 
IPO 
KDBH 
NH : Ngân hàng
NHCT 
NHNN 
NHTM 
NHTMCP 
NHTMNN 
PGD 
 
TCTD 
 NH  ngân hàng
TNHH MTV 
TNHH 
 
UBCK 
UBNN 









DANHăMCăCÁCăBNGăBIU,ăHỊNHăV

DANHăMCăBNGăBIU
  2
-  11
B 33
 42
 44

 45
B
 46

 47
 48
  48
 49
 50
  50
 51
 51
 52

 52
DANHăMCăHỊNHăV
 9

 con: parent  subsidiary relationship) 10
 11
 19

 20
-  21
 22
 24
 33
 34
 35
Hình 2.4:  36
- công ty con VietinBank 71

PHNăMăU
1.ăLụăDOăCHNăăTĨI





              


- 


- inBank, VietcomBank, BIDV,
- 

 NH


- 
 

       ắXơyă dngă NgơnăhƠngă thngă miă că phnă Côngă
ThngăVităNamătrăthƠnhătpăđoƠnătƠiăchínhăậ ngơnăhƠng” , làm

2.ăMCăTIểUăVĨăIăTNGăNGHIểNăCU
Mcătiêuănghiênăcu:

- - - NH
- 
Nam.
- 
- NH.
-               
- 
iă trngă nghiênă cu:        
- NH.
3. PHMăVIăVĨăPHNGăPHÁPăNGHIểNăCU
Phmăviănghiênăcu: 
  Công
- 
- NH.
Phngă phápă nghiênă cu:ă         
 phân tích, so


4.ăNIăDUNGăCAăăTĨI
 
:
Chng 1: Tng quan v tp đoàn tài chính – ngân hàng
Chng 2: Thc trng v kh nng tr thành tp đoàn tài chính – ngân hàng
ca NHTMCP Công Thng Vit Nam
Chng 3: Gii pháp xây dng NHTMCP Công Thng Vit Nam tr thành tp
đoàn tài chính – ngân hàng
5.ăụăNGHAăKHOAăHCăVĨăTHCăTINăCAăăTĨI


     

                 
- 
    

























1

CHNGă1
TNGăQUANăVăTPăOĨNăTĨIăCHệNHăậ NGÂN HÀNG

1.1 NHNGăVNăăCăBNăVăTPăOĨNăTĨIăCHệNH ậ NGÂN HÀNG
1.1.1ăKháiănimătpăđoƠnătƠiăchínhăậ ngân hàng
h - 
        -       

 





      -           
- 


  
1.1.2ăMcătiêuăvƠăcácătiêuăchíătrăthƠnhătpăđoƠnătƠiăchínhăậ ngân hàng
1.1.2.1 V t chc hot đng
T chc hot đng ca T TC – NH bao gm Công ty m đóng vai trò ht nhân
và các công ty con. - 




2

C cu s hu ca các T TC - NH thng là đa s hu 


Các thành viên trong tp đoàn nhân danh công ty/ngân hàng m khi thit lp
các quan h vi đi tác bên ngoài



 

T TC - NH thit lp h thng nguyên tc qun tr thng nht cho c tp đoàn:


1.1.2.2 V tim lc tài chính
Tim lc tài chính ca T TC – NH rt mnh- 
         
và phát

TC - 
- 

Bngă1.1:ăTngătƠiăsnăcuiănmă2011ăcaămtăsăTăTCăậ NHălnătrênăthăgii
n v: Nghìn t USD
TênăTăTCă- NH
TngătƠiăsnă

2,8

2,6


2,4
Mi
2,4

2,4
3



2,3

2,1
Ngun: www.thebanker.com
1.1.2.3 V phm vi hot đng
T TC - NH có phm vi hot đng rng ln

- 


T TC - NH không ch hot đng trong lnh vc tài chính, ngân hàng mà còn
thâm nhp vào hot đng sn xut kinh doanh.  


1.1.2.4 V ngun nhân lc
Ngun nhân lc ca T TC – NH rt ln thành viên

- 

- NH.

1.1.2.5 V sn phm dch v và doanh thu hot đng
Sn phm, dch v ca T TC - NH rt đa dng
- 

 NH.
Doanh thu hot đng ca T TC – NH rt ln- 



- 
4


1.1.2.6 V kh nng tp trung và điu chuyn vn
T TC – NH có kh nng tp trung và điu chuyn vn, khc phc đc s hn
ch và thiu vn ca tng thành viên riêng l.  

               




1.1.2.7 V phng thc hình thành
 



 -

Cách th nht, con đng ni sinh- 




- 



Sau kh


Cách th hai, con đng ngoi sinh 

5





1.1.2.8 c đim ca T TC – Nả thay đi theo tng quc gia
- 

 M



 Nht Bn

 
 Châu Âu



1.1.3ăVaiătròăcaătpăđoƠnătƠiăchínhă- ngân hàng
1.1.3.1 i vi nn kinh t
- 
 -

   -   


- 
 -  

- 

6


1.1.3.2 i vi th trng tài chính
 
 

 NH phát


1.1.3.3 i vi đnh ch tài chính

 -


 




- 






  -      


- 

viên v
7


1.2 MỌăHỊNHăTăCHCăCAăCÁCăTPăOĨNăTĨIăCHệNHăậ NGÂN HÀNG
 

1.2.1ăTheoăsăchuyênămônăhóa
    

- 
1.2.1.1. Chuyên môn hóa theo vùng lãnh th




 M





ngân hàng [3], [4].
 Thy S
 



 Vit Nam


[4].
1.2.1.2. Chuyên môn hóa theo khách hàng
8


 
 



1.2.1.3. Chuyên môn hóa theo loi hình dch v cung cp

ách hàng. Tuy




 M


           St    


 
 
1.2.2ăTheoămiăquanăh,ăphơnăquyn
- 
  mô hình

- 
- 
- công ty con: parent  subsidiary relationship)
- 
1.2.2.1 Mô hình công ty m nm vn thun túy (holding company)
9







- 

Hìnhă1.1:ăMôăhìnhăcôngătyămănmăvnăthunătúyă(Holdingăcompany)
1.2.2.2 Mô hình công ty m va nm vn, va trc tip kinh doanh (mô hình công ty
me – công ty con: parent – subsidiary relationship)



        



  




Công ty boăhim
Côngătyăchngăkhoán
Ngân hàng
Cácăcăđông
Côngătyăm
10

Hìnhă1.2:ăMôăhìnhăcôngătyămăvaănmăvn,ăvaătrcătipăkinh doanh (mô hình
côngătyămă- công ty con: parent ậ subsidiary relationship)
1.2.2.3 Mô hình ngân hàng đa nng (universal banking)



     
 
     













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Hình 1.3:ăMôăhìnhăngơnăhƠngăđaănngă(universalăBanking)
Bngă1.2:ăSoăsánhă03ămôăhìnhăTăTCă- NHătheoămiăquanăh,ăphơnăquynăă
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