Tải bản đầy đủ (.pdf) (135 trang)

Tiểu luận nghiên cứu nhân tố tác động đến năng lực cạnh tranh về dịch vụ ngân hàng bán lẻ tại các ngân hàng thương mại trên địa bàn hà nội

Bạn đang xem bản rút gọn của tài liệu. Xem và tải ngay bản đầy đủ của tài liệu tại đây (2.48 MB, 135 trang )

1

9





34678

!"#$%&'()*+,-.0102-34567#89:;<:=-+
>?@@3A@8"STOH+B-3.HB+EUV5DB@+WX7"N:O[9\]7X,-.C-31-.+K<^+_@_-3>N:Q`D+N:OdG+B-3.HBDB@+WX7"-.DPf-+7!' &W9R<^+_+gh:iD@B@+-33EZ]]8D+WN:Ob
jklmlnop
):c-B-+EU[`<iqD3rA+s-.@3qt9uv:[]7w!7];Gxy@3EF-.
Z9<=VY[]7wX,+YHDEU9uvqIPA-.+_
9`61ĂÂĂÊÔƠƯĐăâêôơăưđÔ
ĂƯĐđđàƠảãƯơêáôĂạ9`6{ằẳẵẵắ9`6ză9`6zăĂÊãặầẩẫđàđƠắ9`6z1ấậèẽéèéẹề
lno
ểễễẵếẩĂÂĂÊ
Pf-@Fệì9uv:<=N:79g:<9#9M:ỉ#9uN:7g\&'()


-e-.058DP,-3-e-.0588ỏóQ\56ọ}"&'()<8H@B@ĩíồDPf-+7!' &W9b
ỏổ^6ọ}9uv:R#:c"T"<<:Q`<g"ĩíồDPf-+7!' &W9b


1
356789

 

 
 


   9
!9"9#$%&'(&')  *+$+,*-.988/$0(9&')(817 293.94566789
.!97.
8 899' 293.965!97. 8 :;::<=>
?@ABCE@FG@HIJKMNOPQGRSGRTGUVWGXPYBC@HZB[\P]
3^_ `a 293.96b(9&')("(8/$0899' 293.9"$+,*-.988/$0(9&')("
6&c  *d8(9$)()69 ,ef gh
 


   9 !9>

:7&9$899' 293.9"(i88)(%&0(9./j89k(9l' 293.9((.9l(65 293.9
/# 8m=.9n.(op-894q"(5$89r.9"&'(r."(sr(&t"uv8($).w."x0.!9y " 9 z$
45p-894q0 a *) { 6889.9(s7.9(sk./p-894q|}~5(9$}5|$>
3i)(%&0(9./j 2(089k(9l'oz$ &/# <%&7.x("48/$z$(r.9
>165.">=65.7 48*(&*(&$(i1">8m(&$(i
"<>(sj.(&$48_f *9
84l _f *9$9
8(sa6j."898m
1>165(s3.9*(s&./8l
h*./48(9&.9c
 $(9&.9c!(i<
1(s$t&"1>(9&.9c!(i1(s$t&"<1>(9&.9c!(sj.(s$t&48(9$/$7.x
pq./88p-894q    $>=xpq./(i< {,Ă`pq./
_ {,
3Â)(%&0./9$j.8&89k(9lÊÔƠc'"%&7)(%&0899' 293.98m(9+(9l'
8m/$0(9$)(81,ef *d889l!.9c Ơ{ 6889.9(s7.981788./n.95./
 ,9$8m  Ư Đ z$')&(81 { 6887.9(s7.9w7k/# o
89ld./p-894q"89l(d./uv8($)."($8 668(5$89r.9"&'(r../n.95./"89l(
d./82././9t45 9 z$!9n.!9^_h *Ê)&(65ă1â89ld./uv8
($).ê45ăâ89ld./4.(sr(&tô*./ 9.9.9l((z { 6889.9(s7.9817
./n.95./>
Â)(%&0.5'8m(9+*- z h    ,9$}5.$87.!90$
(r8986*7hh9*./uv8($)  ,9{ ./%&0./w93.90.945
*#./(9{  *7h* ơ ư"9k9*././9$j.8&!9((s$+.88
x0.!9y p-894q z*+8m(9+{  { 6889.9(s7.9459$t&%&0$.9pk7.9817
./n.95./>
^_ `a)(%&0./9$j.8&"6&c  *8u&l(/$0

hƠđ^ _ *-7
w5.}5|$(sk./89$) d8$.9pk7.9817 3.9>



1

346789
9 

 !"#!$!"%&'!%(")*+-./01213456127819:1;<=>?@A
BA<47?C-3)%)(DE!FGH4-I12J8/K! LI412M17A1247N812OPQRSTU!"#!$!"%&'!%(")*)$%&G!"VWXJ-.Y7Z445+[!GH4-I127N*!"
47\6-]+4N^12_7ZJ77A12`-MCBAa>7N*!"%b%c(Wd!e-KLfKGgWK!hi&)&G%]%
781`JZJj-N^W!"bDLI%%]%!b%G%k12-]+4N^!"V$!"l
m!"%V)!G!l%45Nn!"loK!DpLLJ4+q>Jr-177N*!"&s&$!"")tD!"#!
7A12-H4-N^)uWgWKV)!G!%]+N>vwk!x12Byj645q1`J8bW%3zGH%
-I!"WK!"#!$!"eoX47?C-3+`47\6-r`JZJ12M17A12@*))(1BN^V)!
j6?17BA{2M17A12/Z1/>|1}-N^)[Wh$)uW!"bD%m!"gW %&W!"
2+?14A+J7~171?C-.J7>C[1€?12B17@XP"#!$!"f!h‚O%zh$)uW!"bD
%&X%)(YJ7612Nn)%)'Wƒ!"h$G!!")uD$!#!!x!"")G!„h‚TU
…†445q12rJ-I%$)‡!$gWK!%&!"#!$!"lP"#!$!"f!h‚OPQˆ‰T
L !"hH)!"WŠ!%W31-!l‹‹!lH!(&)&G%HGfŒ)!#!%]f'!!"G$)$
-MCBAB17@X‡%WK177NŒ!" WVV)!%(UP"G$)&lPQˆ‰")x)
%&ŽgW!%&!"%&G!")uLŒ&I!"%45Nn12`1M12J?61;12BXH!%&!l%HG!"WŠ!
]!%&W!"$$)H!-HGGP"#!$!"l"eDD1-?jH!"e GH4-I!"P"#!
$!"U
w5N*J-MCJZJ{‘w’“+u%P L”%EY45>12@A6B17@X!"#!$!"f!fWm!
%zh$%ED%&W!"$G!x!"V$!"h*117N1247X%(G%bCB17@X!$cVm!"
fF!le!)FWPQRS •)u4{?<-.4k12-+q>-z!"dV$!"h*!V)&)&G
–Kc&UVh*!%dH!(1q1JZJ12M17A1247Nn!"%dLL)%&!")$!l
J7;<€rJ1q15)&Gh*!l%‡!f)(1-I!"GU—)Wc[!o!"f!h‚l!"#!$!"o˜
e%45Nn!"h*1781`4+F<1;12Y7Z445+[14;12Bq1@AJr_7K1;12Y7M14Z15)&G

%&G!"V)!j6?17vw7\6-Z172+Z4k")*)Wc'!") %$)‡!lH!%&!")x 
PQRS !"$c$!""c"‹%l!b%h$%H+JZJ-|47hGH)™$hGH+9`18+4ED%&W!"V
$!"e%)F<1;124A+J7~17B*!$LE4-I12M17A124;127A121N*J126A+-?1"GH4-I!"%H)•)u%P LlQšˆ$)%)f!Vh$)!"#!$!"!3)
%)(!"%G$!WFV)!G!PQˆ‰l*))(1BN^%[-[D%%&)[!V)!
G!PQˆ‰UR&G!"f])K17-r`_7])PQRS •)u%P LVm!"%[!"Š+Cq17NŒ!"


1
3456789


575 

 7 7!66"5#$7%&'()*3+
,-6.- 7/06"126"32758 44 7!66"5#5678
9
:47-66"/6;8
,5<.=2=>,-? @ A
BCD7 E F
D#36"327G2
E7DBDHIAJ A
CD7 E E >23KL6AM26"3273M-2
57$372+;+2,M7,NO.PQ6RKLP,.PS
-DC46R!67
T2,56R%5U! $&2V227U%+KW$&27U67X26M3"75KY 7Z,
$7%&,DBF
S 
[ 7\ 7X575U0YBE T2,X507U25G7!7
7+2%52\7+2]

(5U 6:B^6 4_
M356`

 
S 7M5a 7Qb'(cdefg
h5U`67I7,&65i73M-26D E7jkjk4>67+72\7+2.!
3lB
2657!77+2!7\7-D68
mAn6

DU %R%+7=6"32
%5U7;# 96  

 @
6 E opqrBst
n7^6 uvvvwvq`

 

S 7MD`
 o`xsy``wz _767T2.!3l6"32873M7
S?3M52\7+2a 7Q
C6 

 96I E7jk{kv|6I E7jk{}B
T2
.!3lKN3+67T275Mn7 

  23+5KN7567!,M7K75
_~67\%G27P%+367T2h5U6',]cR27U67X `xsy7758

4467L75U$7%&2\7+2.!3lbh'()*g$L%+3€f7!66"5#,M 45
5,7O7!66"5#!$7%&,5$L6"iV227UO7!66"5#!7!7$7%&
~.5U63+!i7 7\ 7X5O6M3KL7!.5U6%‚ƒ`xr„9q`xsyH .+
(+'-5…758 44S X5"†"+2%758 44 7!66"5#h'()*6MD@
6736"i6Y2V227U32? $7%&6+57‡76"12…5737!7
 v`
m/;>6Q,758 447/67[%‚ƒ`xr„_
8


7
Q786
 

 n  ID
tn# 7&%&XD4 
S ˆ‰DUI TDA
vŠ#
67L75U 475844+;!2\7+2Q 875;86X35i0]
Š[ KLM76"72;2PC_Mn6S
-573!'(cdh5U6',
7!66"5#%+6L7‹ 
78
B9n  Cz M3"7G267!767[3,+!
2\7+2 7YDX5,~6€c7T2$+773h'()*>h5U6',75U;3+67
T275U7G%+K573T57[7V2<>$M2657 E  G]e758 4457
$375h'()* 7YD
265!73M-257$37K5734575I
S B
25Y,675#"55"3]h678,X6Œ6M5%+ 7!66"5#67!'(cd 7Y5275i[I



1
345655789

5573477757




5573477
!"54#$%795&4 '73(7%)*
+",-./7607581
234586789:;<=
?@ACDECFGHIJKL=9KM==N=9OP??QCDFRSCDTUVW?DTXYZECD[CZ\]C^_FQ`?]?
89a=:b=9H:cd=9eQ;Hf<=KWS\[Cg[YL;h
557i

jkl
m""78(5n.,

oprstvwxyz{|wxzt}y

~ €"78(5n."‚.4$46"!75"ƒ6„…3


55
l)*
l)*


†
l
$5ƒ6„…‡5657!ˆ)‰Š
9



557347$4‹%57$Œ€Ž,
~ €"78(5n.753
kl‘
ll
)’l


5573475&4565€"!
lj
)l
“
k8”8•€4 ‡7!–577—"˜9‚.™)
5‡7—"š8$5
".›(7!5&4š8,œ023žŸ"  7'7"78(5n.5657!ˆ)‰Š"
9



557347$4‹%57$Œ€"!75"ƒ6„…¡‰¢
lj
)l
“
k8

)*£
%4ƒ55€Š8,
~ ¤8k%7  7'7"8™7.›9)‰%75657!ˆ)‰Š
9



5
57347$4‹%57$Œ€"!75"ƒ6„…¡‰¢
lj
)l
“
k¡)*£
%4ƒ55
€Š8,
~ ¥*£
“¦§˜9‚.™"78(5n.$45657!ˆ)‰Š
9



557
347$4‹%57$Œ€"!75"ƒ6„…34¨./565"8™¡l‰l‰¢
lj
)l
“

¡)*£
%4ƒ55€Š83#"$8•





557347$4%57$"!
75"6,

âpêôy|ơwz{|wxzt}y

3(ƯĐ 58(."78(5n.5&4585655!.7ư8"78(5nđ
34

l
Ưđ
7!7àk2)
9"557347$4%57$7"ả
ã7!%57$2)
9"557347$4%57$7"ả
á7! "
m82)
9"557347$4%57$7"ả
ạ7!)l
lĂ.2)
9"557347$4%57$
7"ả
17!84 5585772)
9"557347$4%57$
7"ả


1

3146789

9   997 97
!"7
#$%&'()*+
3,46789
-. /9 9997 97
!"7
#$%&'()*+
3046789
1997 9997 97
!"7
#$%&'()*+
324$997 97
!"7
#$%&' 9997
345)()*+

679:;<=>?@BCDEFGBH?@EHI?JKL

MNOQRSTUTUWXYTZ[\]$)^)_3
9999``)345)a
b"`)a#$%&'c
dWefgXTUWXYTZ[\ghiWjTUUXkT])lm`no3/9897p9 7qr9sl
tl 6s u9"5vw%w$l]`x`897p9 7qr9sltl3$5yz_)w
7qr9sl`{|)}9sp97p9q~`y`{|)}`)l|)
/
p6897p9 7qr9sl
`{|)}tl3$5y()x``€34#‚`)ƒ)3l%w$lz()*)lm`no`x`$_)w
9q~`„wlaw`x`$_)w…lmb„5)‚tl3$5yc†^…lo)lm`nq‡`3)o

3)ˆ‰ Š9‹ 79!q~lb|)lo34Œ…l34`3l|aw34Œ…lŽo5y5l…3`x`()x`)
)w`‘9897p9 7qr9s/ u9"5vw%w$lz3ˆ|34oaw„`x`()x`))w
…w`x`)wŽoŒ34"b„5))l|aw_)wc
dWefgXTUWXYTZ[\gh’W“XUXkT]”

×