Phát triển dịch vụ ngân hàng tại chi nhánh ngân hàng công thương đồng nai

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

 !"#$%&'()*+
,,*-+./)
0+*12+1*+
2+&
345637189:;:1<=.!>
#$?#@A12+B8,(+#
$?#@AC(++A
(DE%?@&'(AFG55850
5#$,(5(&
3,H1IJ(F"$
+1(F(?#@)2,(<(<
%2K&'C-L1)'03*$
-1ME1(F?#@)F@@
5(1NO)L&
PQ2#)5?&A
)*++#*(F&3%89::R
AM#SPQQ9TA3U@(F
D#1-+M<5%#$%
S1(A3UM#PQNN#VWVM,Q
A,&'C%L<.+N()?X
5(H2MG+&PFFNNK#"
L2Y.G2?#@HM-/
()A'03*PQ+H2,
(F(?#@C?+(2+L?#@F
1
85,85(1B-"5(1
8?C#M#SPQ&PC22Z?
0[\(F?#@)+()A'0

3*PQ]228"L&
 !"#$!
^8(FG2Z2(?#@")
*+&3 )%.+(F(?#@)
1((NGFQ++)'03*
_'(PQ1(,285#Q
(5#`(2+L?#@F5(
LE?#@`?+),C(
F(LE?#@+()A'03*PQ&
%&'(")"
3<(LME28<>?@*(?H
E1*(DK1)%5M1<<(
`<2.(H1J>2Zab5&cM+
(*(28da5K
<((+.X&'0LMEdK. 
)%(/1 2(F@
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Chương 1: Tổng quan về dịch vụ ngân hàng.
Chương 2 : Thực trạng dịch vụ ngân hàng tại chi nhánh NHCT Đồng Nai.
Chương 3 : Các giải pháp phát triển dịch vụ ngân hàng tại chi nhánh NHCT
Đồng Nai.
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cnf9&9&;&9 3LL?K+(A'3PQ&
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cnf9&9&;&T l<KJ/5o(A'3PQ&
cnf9&9&;&h 3LL<>?@pq3U+(A'3PQ
cnf9&9&;&r 3LL(++(A'3PQ
cnf9&9&;&s 3LLG+(A'3PQ
cnf9&9&;&R 3LL,2"(A'3PQ
cnf9&9&;&t 3LL,5"(A'3PQ
cnf9&9&;&;: 3LLHF?"(A'3PQ
cFQ<; 3#-H"(AM#SPQ
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/5u.F&'50%`SN+
6
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1101xU<5(2+`/,+"
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dịch vụ ngân hàng&
34^(3DE%?@?A1dịch vụ ngân hàng
C50K#Y,%@F&3+5,;5,s1
9:L+5?lA,W?e
>1/%?@El(1)25
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%/%K/!/l%&l
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5(&32L"1A#3*+z
U{2>(-MZY1L?"H
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.(5w&341(5!>lAK.
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S5#$&'(lA14fq3k12e>1'H1
'M%1'HF(1p1<41x1c,2
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1|,2Z<,1l(I 1'/HF
0%1l/13}K%&
7
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()&
D:QR2!9
c!IO)!O
dc!IO
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5M,1282)HF
50$&3 ([5]/!M<

*1?HF *H*5(1 5(H<5(
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8
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2)HF&
30(lH1A3Ua(?
HFD*/<,J/1?#HF-1D#1
01`+(<,o1)<E+1/2
+55.H&
c!I9
l#@)42+)(5,2
%?#@&\(F?#@)?+1%4

,*E(1*,"@1!+
2+&&&cM+)F(FN?#@D
K?#@,2*N$5,+)
5(1HFGH$<=aH
5()1 28Q?#@"
)&
c`(lA1A3U?@KQ
("5(25ZM5,(15ZCH&N
5,H)50,,2G,2/2%-
"QH,J1+M22N2</
L)H<2</L)>&
9
g(A3UJ)H?.K+25(?+1
5b<=2,F(F(?#@)&
A3U85,8+(E(-5(1
 8?-5,8%E1+"()*+1
-2N+M%&
%-)e4#R2!9"Kfbg
%5ghi!4!g
 
Q.v2({w1+H
ZY)*++2
QF+5?&3+H1)*
+K<>?@(0@((2OFH
(Q}J2Q%?@H
(E-"5&A+H")
*+Qe
_>(/H$(&
)*+K>"(DE1()
(DE%?@5(?LE>505u+1>

5u+(2+>5(F@@-+5?&
k5K)/1)*+
KO((ES>1(/H$(5(
FH"(DE1()&
QH >(/H$(2
Q"H")*+12<,`"(
"F5)+$,2Z<>?@
Y@,5#$1-H"5(4a5&
_AH5(&
10
)*+FQ (DE%
?@1)<(1(DE%FK(*
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)*+dHKQ(
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11
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3(`"H13(`"H13(
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12
34(("cS+\(Fl#@PQ1?#@
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<(*s9ƒD*(&
!$#%&'(
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(&PFIK%?+a"
*+(1$*E
(5(e
•\*EHFe
\*EHF2*E(1
5(v$,wHM-A@@LHF<
/#$5(v$!2Kw!#F/#&
\*EHFFK`LEHF
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HFK.0k6…•3&
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(&
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\*E$2*E(1$

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13
'(2+$e$*$5mE &
•\*E%?@E v^„'we
3%?@E 2*E(K<>?@D
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2+(5,,(< 1(K
M(MBKQ1(&'@
Fe3+5?1(0H*L
(F+M@1(#(
2((!M@(,/&
3HM1K,$)H558
%*#(1#12+<.(F"0
5?&
PF5b@L+H1(0H($AK?
LE(&P)H2l?0H[‚]v-
(A2l‚(5(?10$

0H_0H[‚]w.`a(?
14
(N5,K"LF&'0H[‚]K
(5,KJ/LMKvAw1QZK1M<=5Z
KQ[‚]&N5,K[‚]$4HMb
XHd10H[‚]<=#(QK&H0
H(50bKA1C50,4?yK*#1
0HF5)<,J/(&
c(Q(2+(#(J/
5o&
%*=2!9kl
+$-&.
)Gvl+w (5(
-AF>51>5,(1,K
H1HF,1D+x+-H?#&
)Gvl+w(5(-a
51a 5,(15,Hx+-H?#
"A&
+!$
)HG5(F.@5(
 $1?#@xG,2*1,
("5(&
l#@F.`GG`*
EHF5,v5,()Gpq3Uw&
%8=2!m
3p(K(?@!8;tt:2p…kq1
U<4'?p‡'c&PH1-(A3U1D-
(A#$pvpq3Up%
15
?@…kq1Uqk3~ˆ1xw&Ap.AA;W

Md%.2M5F(FlpA&
_3p(2*(50?IG"
pF<>?@FaG1HF5,1/<?x+)
+2Z1((Ha.vq3UwG(1
?#@&P)*+((p2
+Q(@H1H1(
&
_l#@p?.M2+p%2p#p&
‰3p(2*(50?IG
K2MD!((F&A
H(2+pMF+e3p<?c5‚
q4(vH0(F/w†3pU<4'??T
)'2‚DM64<4k4<c5'?q<<
v6kcqw2M5(†3p‡'c?)kŠc,(
†3pq4~J4<<?DEq4~J4<<(&
‰3p2p(?)(
(5(<>?@F,1?#@1(5,
(5(aG+)+2Z1(Hq3U+2
D&AH()*+(
2+p%epK1p%?@1p5Z{(&PF
("p1<)(pKQ$
/M+E/5(<>?@p&
_l#@p-)*+H
1?#@)L,")*+
0a&k,o?#@p2E?@0")
*+5,82M5N)*+5
16
(#$?@*<!+-00&
%J=2!9bi
_…44c5e

l#@…44c52?#@)5(
?#)0…44&g(F5F(0
5,1<?1>1H.(?#
HF1(*&&&A+1!<)
>@@5(?#@Hec…l1
451451q'c1345&
_34244c5e
l#@34244c522+L?#@5(<>
?@+<(H#")/?#@
F.(?#G5F05,vIH
?#@)/w&A<)/?#@
34244  c5  e  45  AQ  '%  U1 k51  q'c1
3451~J5&
_U24c5e
l#@U24c522+L?#@)?#
+?&U24c5O5(0
+?FH(05,()G.
(?#((*0‹((1(
,#$12</5&&&A+1?#@HK<)
/ec…l1451q'c1345x
_A4c5e
A4c52?#@)(?#K
+0(H%(H%")&
30?#@A4c515(F.(?#
17
HF1‹(12</1(K1(&&&A+1?#@HK
/!<)ec…l13451~J5&
_\'c5e
\'c52?#@)/-G+
(H"5(15(FH5,"L

?4.<?#2M+"5,&
%M=2!OR4b
).(@5?+M#$
+2M)v(1Dw(?#
vH1HwM#$2M) N8;ttW_
;ttT&
/$01023#-41
3#$+2M)K2(;:„;ttT1(
?/G2#<>(LL(F"#$
+4(o.&3HM1#$H
jd!L/F!?<(+"(A3U
M#$+2M)‹5,9h_W:ƒD
?#("(A3U&P)H2<(/<‹
H!#$+2Rhƒ&A*N1#$+2M
)"50+$JHM12+S+N
<!%"(A3U&
/!$0102341
H:s„;:„;tt91#$2M)!$4'S
#<:s„'3_A;"3A1O(3'3lK.
HH2j`Ib-){"
L&3(:s„;ttW1#$2M)%E+
b2(+")(I &P)H2*
18
.(?#*,N()10$(
?#HK.05,>"()+
A&
%P=2!,"W 
A233)303%?@v'…'wF}
K%?@1d +"5?&'(
A3UC2(64<4M"L`/0

5(,(*
%T=2!f34en9
c,2)C22+%?@K(?@D1
??+N5ZvKH%")0N5ZJ(w
(<?#`&PF,,.Y@"
5(1)E,25(`(
(E,2&
'E,22/H5")<=.Y
@H$K,2$H50.Y@&
c,2)(2+0?@<e,2?.-1,
2.KQ1,2,1,2(1
,21,2Hx3<(LE,21,
2.KQ,2?.-20‹/&
%U=2!O4)
'()HH5H5?DKF
/(?#@%5(&)<Œ<
/?#@0-E5(5(&3HM1
u42("}/?#@HF2.
G(&•1)50K/?#@0
E5(.1K20HE5(.
19
F2?#@0E5(1/-E5(1,
2(&
%-)R2!O)
567
l#@M8"<b%2?#@,,
(&l#@HKA3U. 2)$+#
BM$5(?&'0,,(K
95(e
gO<b,,5Z(eK2F5(M&g(

KH5F<,("/5u$F&)
S*-/5,,&
3.,,(/H$(#e).,2Z
+2Z5(&
!%
l#@"H(2?#@,2Z<,,2Z+
%()?&l#@H(F+5$<
K)#$%(F&l#@Ha5(
5%,2Z<,),<>?@Q%
"L&l#@"H(Q(2+%<e
Ž •H(,2Z<,.?a&
Ž •H(,#?@-E5(&
Ž •H(.,2*&
•H((D1(1(2GDE
(5((+
)%
)d/(?#@5(e/1,51
-1,F10#1HF?x
20
*&):oR2!9p$hqc'I:I
*+)k)"):oR2!9p$hqc'I:I
d-e'j"):oR2!$h9l
'13%U{2/2"<!N"
)*+5D2Q'5#`')•_3(cL
l*2#$/?#@E5("
'M(F!2+L0H
+5.Q$}K(5(M5.&'5
2KC`)/2K5?
?#@E5(!')•_3(cLl*e
_UC-M2)`?@-(?#@2M

E5(+/,(("'&
_UCE28$?#@
N<,oF(E-H8"#$&
_UCE2!(F0+}
K?#@E5(5.&
d-e'j"):oR2!$h90N
HH1(DE%/-5?
0&•‘c5FK0$%@)
1%HaK<.D,@)
5{801LF4(,()
N?@%K2Z5("L&•‘c520b
45(<.,?#@1@F2,(
)?#@.Hnhanh, an toàn, mọi nơi, mọi lúc:
rS4R29kb4#G'(Ep/F
?#)&g(S-<>?@+4
?j2$+1/E2a1HHMF5F5,1
21
HF1B02</‹((&g(?X?
5,10(?#@,2Z9T$}
H1sH-&AH?@2$+*(N%F,
*1HFJ4(?#"5,&(
*,H15(F.(?#)
`H(N&'<?+()"5(
v<\…w,,`?#"5(K,&
rS4R29:s:sG2(E2K
5(?#)M…44&g<>?@
…4481H()<>?@(64F
/<,o?#@"LG8$5(
&…445,8/((E/F(
?#@%?#)/E2a&3H

M1?#).H2+42++2.
NH#a+5K%((+M
G(K,Nd2&
rS4R29kb4#RhGHH1!-
(#$(F1$<=<>?@+?
*+#&N?<>?@N?#@
%?<=%E/N#$H&’H#
F28<2K$<>?@?#@H2,2<
FK<>?@?#@H20*,&30(
?#@5OoHK/H15(?
<=EK2K%"?#@H&
•-e'j"):oR2!$h91)&
_)c552KK2<)
2/+3(^&34<25M1Er$3(L;
22
$!5,?#+)c55&UG?I)H
+2(+)c55j
@(F((BF}K(? B1
5(()M5b/&'(B")
c55K!+<M#^<!ˆ1c55*;R(
<1)H!MWr(!(<M#21(
$+!$22M,-F@@(K
5(?#&g,"!+28
$@@1((B2+0?
8/s2-8Mr:ƒ5(<-&
_0(F+21)c5550
? 2+!1@50@2+((!(50#2
`@@*-"5(&1)c55
C!MW9)5?&'()5?
((@@M?I2-2K")

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5(%v? B!(IF15(
()!0#1(K<1<Mw&
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@G.((!/S0#%&PQ$
F5?#@<O1)c55CF5MH0
2(pKM#$15,)H
99ƒ#-pK#&
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23
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)"1)"3(^Fa(
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/?#@E5(1#`2
#$8 N2K@FF(F
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5L#$8 
2K(F?#@4)/2K?#@H
(F(?#@&
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,?#@.H&HH0+L,
HK()*++5(2
5,&3HM5()*++
-2-,J)H?.2K(F0)

F@@0(5?1,2ZQ
1,2Z"1(2M)1?#
>&&&
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3(^()+-B5
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Tóm lại, chương 1 của luận văn đề cập đến một số nội dung lý luận
liên quan hoạt động của ngân hàng thương mại, giới thiệu về các sản phẩm
24
dịch vụ của ngân hàng thương mại. Đồng thời trình bày kinh nghiệm phát
triển dịch vụ ngân hàng của một số ngân hàng hàng đầu ở một số các nước
để rút ra những bài học kinh nghiệm cho các ngân hàng thương mại ở Việt
Nam. Các nội dung trình bày là cơ sở cần thiết để tiếp tục nghiên cứu các
chương tiếp theo của luận văn.
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{5LH1'(td@M+h{
25