Luận văn Thạc sĩ Phát triển hoạt động cho vay khách hàng cá nhân tại ngân hàng thương mại cổ phần kỹ thương Việt Nam

B

O

NG
IH
-------------------------------------

H

: Nguy

c

N HO
T

IC

PH N K

LU

CS
:

N

i-N

5

1

T NAM


B

O

IH
-------------------------------------

H

h

: Nguy

c

N HO
T

IC

PH N K

LU

T NAM

CS
:

N

M

: 60340201

NG D N KHOA H C
PGS.TS. Tr

i-N

5
2

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M CL C
M

U ................................................................................................................1
:

B N V
I ...................................4
m i ............................................................... 4

i............................................ 4
i ............................................................. 4
i .............................................................. 5
nc

i ....................................... 7

ng v n c

i ................................................ 7
nc

1.1.2.3 Cung c

ch v

i ................................... 8
......................................................... 8

1.2 Ho

i .............. 8
i ..................... 8
i.9
i ..................... 10
i .......................... 12
i ...... 12
i

............................................................................................................................. 15

1.1.3

i .......... 17

i........................................................................................................... 17

1


1.1.
i .................................................................................................. 20
ng t i ho

a

i ......................................................................................... 26
ch quan ................................................................................. 26
............................................................................. 34
: TH C TR

C A
I C PH N K
i c ph n k

VI T NAM ...........39
t Nam............ 39
i c ph n k

Vi t Nam ............................................................................................................. 39
u t ch

i c ph n k

Vi t Nam ............................................................................................................. 42
2.1.3. K t qu
k

ng ch y u c

i c ph n

t Nam ............................................................................................ 46

2.2. Th c tr
k

i c ph n
t Nam ............................................................................................ 53

2.2.1. Th c tr
k

i c

ph n

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

2.2.2.2 S

....................................................... 53
................................................................. 55

2.2.2.3 T tr

..................................................... 58

2.2.2.4 Th ph n cho vay

.................................................... 58

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2.2.2. Th c tr

u cho vay c

i c ph n k

Vi t Nam ............................................................................................................. 59
2.2.3. Th c tr ng ch

u qu cho vay c

c ph n k

i

t Nam .............................................................................. 66

2.2.3.1 N x u ..................................................................................................... 66
2.2.3.2 Thu nh p t ho

ng

.............................. 68

c tr
c ph n k

i
t Nam .............................................................................. 69

2.3.1. K t qu ...................................................................................................... 69
2.3.2. H n ch

........................................................................... 69

2.3.2.1. H n ch ................................................................................................... 69
.......................................................................................... 70
: GI
T

IC

PH N K

VI T

NAM .....................................................................................................................76

m i c ph n k

t Nam ....................................................................... 76
i c ph n k

t

Nam ..................................................................................................................... 76

m i c ph n k

t Nam ....................................................................... 78

3.2. Gi
c ph n k
3.2.1 Gi

i
t Nam .............................................................................. 80
i .......................................................... 80

3


3.2.2 Gi

n s n ph m.................................................................... 81

3.2.3 Gi

ng .................................................... 84

3.2.4 Gi

t

...................................................................... 85

3.2.5 Gi

n ngu

c .......................................................... 88

3.2.6 Gi

ng ho

ng marketing ............................................... 89

3.2.7. Gi

r

................................................................. 89

3.3. Ki n ngh ...................................................................................................... 93
3.3.1 Ki n ngh v
iv i

c ........................................................... 93
...................................................................................... 94

K T LU N ..........................................................................................................97
DANH M

U THAM KH O ....................................................99

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DANH M C B NG BI

ch c c a Techcombank....................................................43
Bi
Bi

2.1: K t qu ho

Bi

2.2: Th c tr

a Techcombank .......................50

Bi

2.3: Th c tr

ng v n c a Techcombank ..................................52

Bi

2.4: Th c tr

a Techcombank 53

Bi

2.5: Bi

Bi

2.6: Thu nh p t TDCN c a Techcombank ...........................................68

s

ng kinh doanh c

ng

.....47

i Techcombank ................56

B ng
B ng 2.1: T tr

a Techcombank...................58

B ng 2.2: Th ph

a Techcombank ..................59

B ng 2.3

u cho vay KHCN theo s n ph m c a Techcombank ................60

B ng 2.4: N x u trong cho vay k
B ng 2.5:Thu nh p t

a Techcombank ...........66

ng

n 2012 - 2014 ...........................68

5


DANH M C VI T T T

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p thi t c

u

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cs

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2

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ph n l n

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Vi t Nam.
nh nh

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3


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1.1.1.2

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6

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ng kinh doanh c a NHTM d

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1.2.1.1
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nm

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c th

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ph c v

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Theo Lu
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kho
v

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kinh t

p, t ch c
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tr ng l n.
d)
iv
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.B

14

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15

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b) Vay s n xu t kinh doanh
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m c nh

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nh,

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nh

p.

vay v n ng n h n. Hi

16

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th c hi

tc

d) Cho vay theo h n m

ng

Cho vay theo h n m
a thu n m t h n m
th

n m c cho

m h n m c cho vay b

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iv

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ts
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1.1.3

i

1.1.3.1

tri
i
c hi

n m

c.
bi n

17